My policy

Your current cover

We've read through your policy so you don't have to — here's a clear, plain English summary of what you're covered for.

Direct Line

Policy DL-8821-4432

£487/yr

annual premium

Renews

14 March 2026

Days to renewal

-29 days

Buildings excess

£250

Contents excess

£100

Renewal coming up. Your policy renews in -29 days. Now's a great time to check the market.

A couple of things worth knowing

Accidental damage isn't included

Things like knocking a TV off its stand or spilling a drink on a laptop aren't covered by your current policy. It's one of the most common reasons claims get turned down — and it's an easy thing to add.

Your contents limit might be a little low

Your £50,000 contents limit is below the UK average for a similar home. It's worth doing a quick tot-up of your belongings — if you're under-insured, you may not get the full value back after a claim.

Good news — we've found policies that address both of these and cost less than you pay now. Take a look →

Cover breakdown

Buildings cover

£300,000 rebuild value

Contents cover

£50,000 — may be undervalued

Personal liability

£2,000,000

Alternative accommodation

Up to 20% of buildings sum insured

Not included in your policy

Accidental damage

Not included — most common rejection reason

Legal expenses

Not included — sold separately

Home emergency cover

Not included — covers boiler, electrics etc.

Bicycle cover

Not included