... with broader cover and greater flexibility.
- Aviva launches refreshed three-tier Direct Line direct home insurance range: Silver, Gold and Platinum
- Enhanced protection includes higher Home Emergency limits, increased alternative accommodation cover, and no excess for emergency access claims
- Student belongings cover increased for those with family members studying away from home
- No admin fees for mid-term policy changes across all three product tiers
Aviva has refreshed its Direct Line branded direct home insurance range, introducing an updated three-tier product structure – Silver, Gold and Platinum – now available to new customers, with existing customers moving onto the updated products at renewal.
The products include a range of enhancements designed to provide customers with broader protection and increased flexibility, including increased Home Emergency cover limits, higher alternative accommodation cover, no excess for emergency access claims, and enhanced theft from outbuildings cover.
These enhancements strengthen protection across a range of areas, from home emergencies and alternative accommodation to student belongings and outbuilding theft.
Increased student belongings cover is also included, providing greater protection for customers with family members studying away from home, helping to safeguard their possessions while living in student accommodation.
Dan Simson, Head of Direct Line Home Insurance at Aviva, said: "Home insurance shouldn't stand still. As our customers' needs evolve, it's important that our cover evolves too. These enhancements strengthen protection across a range of areas, from home emergencies and alternative accommodation to student belongings and outbuilding theft, helping ensure customers have the support they need when the unexpected happens."
The new home insurance range, available to purchase directly from the insurer, offers customers a choice of three levels of cover – Silver, Gold and Platinum – each with a comprehensive set of core features and additional benefits tailored to different needs. The core benefits across all tiers include:
- No excess for emergency access claims
- Increased alternative accommodation limits for buildings and contents cover
- Enhanced theft from outbuildings cover
- A reduced £50 excess for frozen food claims
- No admin fees for mid-term policy changes continued
ENDS
Additional information:
About Direct Line
Started in 1985, Direct Line became the first UK insurance company to use the telephone as its main channel of communication. It provides motor, home and pet insurance cover direct to customers by phone or on-line and is part of the Aviva Group.
Customers can find out more about Direct Line products or get a quote by calling 0345 246 3761 or visiting www.directline.com
A comprehensive list of the changes can be found below:
| Cover | Silver | Gold | Platinum |
| Buildings: Alternative accommodation, kennel fees and lost rent | Increasing to £50,000 | Increasing to £75,000 | Increasing to £125,000 |
| Emergency entry to buildings and gardens claims | No excess applied | ||
| Money in the home | Remains at £350 | Increasing to £1,000 | Increasing to £2,000 |
| Business equipment | Not covered (no change) | Increasing up to Contents Sum Insured | Increasing up to Contents Sum Insured |
| Visitors' belongings | Not covered (no change) | Increasing to £1,000 | Increasing to £3,000 |
| Contents outside | Not covered (no change) | Increasing to £2,000 | Increasing to £4,000 |
| Garden plants | Not covered (no change) | Increasing to £2,000 for the overall limit | Increasing to £4,000 for the overall limit |
| Theft from outbuildings | Increasing to £1,000 | Increasing to £5,000 | Increasing to £7,500 |
| Contents: Alternative accommodation, kennel fees and storage | Increasing to £30,000 | Increasing to £50,000 | Increasing to £75,000 |
| Food in freezer | A reduced excess of £50 introduced for frozen food only claims | ||
| Religious festivals and wedding gifts | Increasing to £2.5k | Remains as an automatic increase of the contents sum insured by 10% | |
| Contents at university, college or boarding school | Not covered (no change) | Increasing to £10,000 | Increasing to £15,000 |
| Downloaded content | Not covered (no change) | Increasing to £2,500 | Increasing to £5,000 |
| Home emergency limit | Optional cover: Limit increasing from £500 to £1k for Emergency call out | Optional cover: Limit increasing from £500 to £1k for Emergency call out | Cover included: Limit increasing from £500 to £1k for Emergency call out |
Media enquiries:
Emma Robinson
General Insurance - Direct Line, Churchill and Green Flag
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Phone
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+44 (0) 7353 101 853
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Email
Notes to editors:
- We are the UK's only diversified insurer and we operate in the UK, Ireland and Canada. We also have international investments in India and China.
- We help our 25.3 million customers make the most out of life, plan for the future, and have the confidence that if things go wrong we’ll be there to put it right.
- We have been taking care of people for more than 325 years, in line with our purpose of being ‘with you today, for a better tomorrow’. In 2025, we paid £31.9 billion in claims and benefits to our customers.
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