Direct Line is a one stop shop for a broad variety of insurance policies, including not only many different types of business cover, but also cover for breakdowns, cars, homes, Landlords, pets, travel and vans.
It does business both online and on the phone and maintains a strong ethos of customer care and quality of service. It was amongst the first insurance companies to save customers money by cutting out middle men in favour of dealing directly with end policy holders.
At the very core of its customer focused philosophy is its commitment to pioneering new and innovative ways to continually make its customer lives easier with increased access, approachability and user friendliness.
History
Direct Line has enjoyed a stratospheric rise in the world of insurance since its formation by Peter Wood and his initial team of 63 in Croydon in 1985. It rapidly expanded, building its success on its simplistically human style of dealing with customers and reducing their costs with the exclusion of middle men and their hefty commissions.
As it is a part of the Royal Bank of Scotland’s insurance services, it effectively became a national concern alongside the bank following 2008’s credit crunch. In addition to Direct Line’s core insurance business, it also owns Green Flag, the UK’s third largest accident and breakdown roadside recovery company.
Today it employs over 10,000 staff across Germany, Italy and Spain besides in the UK, where it Head Office remains in Croydon, but its other sizeable call centres can be found in Birmingham, Bristol, Glasgow, Leeds and Manchester.
Accolades
2006 was a very good year for Direct Line, when it received awards from Your Money for Best Direct Pet Insurance Provider and Best Direct Motor Insurance Provider, the British Insurance Awards E-business award, the FS Forum’s award for innovation in car insurance and the IFS awards for corporate social responsibility and innovation in car insurance.
In 2009, it was judged Britain’s Most Trusted Insurance Brand by the Reader’s Digest’s annual survey.
In Focus
Types Of Liability Cover On Offer
Often rather than sector specifically differentiating between business liability insurance, Direct Line’s policies are designed to suit particular business types. Their standard range of liability cover on offer encompasses:-
- Commercial Landlords
- Guest Houses
- Home Businesses
- Landlords
- Offices & Surgeries
- Restaurants & Pubs
- Tradesmen
- Shops
- Vans
If small businesses and self employed operations are unsure about which policies are best befitting for them, they simply need to ask for guidance.
Policy Information
Direct Line are expert at including sector specifically designed elements of public liability cover in to the policies they offer to various types of businesses, thus cutting down on premiums that might be inflated by the inclusion of any unnecessary elements. Business and sector type dependent, the inclusions that can generally be taken as read are:-
Employers Liability
Offering financial safeguarding by way of compensation payments and legal expenses that result from successful claims made against small businesses by staff members who suffer accidents or damages directly attributable to the carrying out of company business.
Products Insurance
Offering financial safeguarding by way of compensation payments and legal expenses that result from successful claims made against small businesses by customers who suffer accidents or damages directly attributable to products sold or supplied to them.
Public Liability Insurance
Offering financial safeguarding by way of compensation payments and legal expenses that result from successful claims made against small businesses by third party concerns, such as customers, suppliers and the public who suffer accidents or damages directly attributable to the business.
Optional Extras
Due to the way that Direct Line’s policies are structured, there are many additional aspects that may or may not be pertinent to specific small business sectors. These can be either included or overlooked as dictated by the individual needs of small businesses. They include many comprehensive features such as:-
- Buildings Insurance
- Computer Insurance
- Contract Disputes Insurance
- Debt Recovery Insurance
- Events Insurance
- Home Insurance
- Home Contents Insurance
- Landlords Contents Insurance
- Loss of License Insurance
- Portable Equipment Insurance
- Tenants’ Improvements Insurance
- Van Insurance
Insurance advisors are able to offer their expert insight to self employed and small business customers regarding realistic basic packages to suitably insure them against the specific risks they might face whilst fulfilling their work.
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