Is Dial Direct a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Dial Direct and are wondering if Dial Direct is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Dial Direct: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Dial Direct.
Who is Dial Direct?
Dial Direct Insurance is one of the insurance brands provided by BISL Limited. With a customer base of over 1 million, Dial Direct Insurance offers Car, Home and Van Insurance products. Their insurance products are underwritten by a panel of leading insurance companies in the UK and they are authorised and regulated by the Financial Conduct Authority.
What are the main insurance policies available at Dial Direct?
Let's discover below main insurance policies offered by Dial Direct.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Home insurance | Get to know more |
Dial Direct expert and consumers reviews: Defaqto, TrustPilot
Dial Direct is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Dial Direct.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | 3 |
Is Dial Direct a good car insurance company?
4 Safe overall rating for Dial Direct car insurance
Dial Direct offers 2 types of car insurance: Standard Car Insurance and Premier Car Insurance that are available across Comprehensive, Fire Theft &Third Party and Third Party Only levels of cover.
This insurance company is suitable for people looking to get several benefits across any of the 3 main levels of cover.
In addition to typical car insurance coverage choices, Dial Direct offers, among other options:
Breakdown cover
Dial Direct Insurance offers RAC Breakdown Cover as a standard across all level of covers: Comprehensive, FT&TP, and Third Party Only.
Breakdown Cover is not available as an optional extra. The following are the benefits that come with the standard cover:
- Roadside assistance in the event of your vehicle breaking down more than 1/4 mile from you home
- Transport cover for you, your vehicle and up to 8 passengers to a destination of your choice in case the vehicle cannot be repaired on the same day.
- No call-out charge.
Windscreen cover
- Windscreen cover is only available as part of the comprehensive level of cover. It is not available as an optional addition.
- Unlimited cover subject to an excess of £75 unless you get it repaired at a repairer that is not approved by the insurer. In that case, you'll get a cover limited to £150 less excess.
Motor legal protection
Up to £100,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn't your fault.
Personal injury policy
Dial Direct (Budget Insurance) Personal Injury Policy covers the following:
- Up to £30,000 in the case death and permanent total disability
- Up to £50 per day for hospital up to 80 days total in case of hospitalization due to a car accident
- Up to £22,500 in case of permanent loss of sight or hearing
- Up to £750 for whiplash as a result of the accident you were in.
Besides main car insurance coverage, you can also get extra car insurance options at Dial Direct. Get to know more, read our complete review on Dial Direct car insurance.
Is Dial Direct a good home insurance company?
3,2 Safe overall rating for Dial Direct home insurance
Only one level of home insurance cover is provided by Dial Direct. Dial Direct insurance was underwritten by BISL Ltd which is part of the BGL Group and they have a 3 star rating on Defaqto and a 4,5 rating on TrustPilot. This alludes to their financial capacity to pay out claims and the ease of their claims process. Little or no information however is provided on the company's website and more details about the insurance policy can only be gotten from the policy documents which is only available to policyholders.
You can insure up to £1M for building insurance, and Up to £99K for contents insurance. Dial Direct will provide up to £15K alternative accommodation in the case of damage
Home emergency, legal protection and keycare are available as optional extras.
Their services are recommended for people looking for reliable insurance services.
Dial Direct building insurance
You will find below building main insurance details for the Home Insurance cover at Dial Direct:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £15 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £5 000
- Keys cover: £500
- Subsidence excess: Only stated in policy document
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
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| Boiler cover |
|
| Family legal protection |
|
Dial Direct contents insurance
You will find below contents insurance details for the Home Insurance cover at Dial Direct:
- Maximum sum insured for your contents: £99 000
- Alternative emergency accomodation: Only stated in policy document
- Single item limit: Only stated in policy document
- Contents in the open: £1 000
- Contents in outbuildings: Only stated in policy document
- Money / credit card kept at home: Only stated in policy document / £500
- Items temporarily removed from home: Only stated in policy document
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Not stated |
| Personal possessions cover | Only stated in policy document |
| Mobile cover | Only stated in policy document |
| Bike cover | Only stated in policy document |
Standard excess to report a claim at Dial Direct is Only stated in policy document.
You will find exhaustive cover details, administration fees, contacts etc. on Dial Direct home insurance on our review below.
>> MORE: read our complete review on Dial Direct home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Dial Direct discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Home insurance | No discount available. |
How to contact Dial Direct?
Find out how to contact and log in to Dial Direct on our contact page.
