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Direct Home Insurance

Direct Home Insurance

Find home insurance cheaper by going direct. Getting a direct quote for home insurance means you benefit as your insurer doesn't pass on the costs of comparison sites

Direct Home Insurers

Post Office
  • Highly Competitive Home Building and Contents Insurance
  • New for old cover
  • Matching sets covered in gold level policy


John Lewis
  • Unlimited Buildings and Contents cover with Premier policies
  • and a single valuable item limit of £3,000
  • New for old cover
  • Includes Garden cover


Getting home insurance through a comparison site is for many the standard way of finding their ideal policy, but those willing to put in a little more effort can find that going direct to an insurer can deliver big benefits.

Why buy Home Insurance Direct?

Save money - The big comparison sites charge insurers a significant commission payment and, particularly for those with a more modest premium (say under £400), the payment of this commission can result in insurers having to add it to the cost of the policy. Insurers who choose not to be featured on comparison sites avoid such fees and can offer cheaper premiums.

Better cover - insurers know that unless they are in the top five companies on a comparison table they are unlikely to win much business. Therefore they often 'strip down' their policies removing elements that many of us might miss until we come to claim. We have found in a number of cases that standard policies not offered through comparison services offer better cover.

Who offers great Direct Home Insurance?

Post Office Insurance

They offer:

  • Under the Gold policy unlimited cover for rent and alternative accommodation if you cannot live at home.
  • Option to add extra cover for legal costs, unexpected accidents and more
  • Accidental damage as standard with the Gold policy
  • Contents replaced on a new-for-old basis
  • 24/7 365 days a year claims helpline

Getting a quote from Post Office takes only two minutes so its a really quick process to check whether they are the company for you.

John Lewis Home Insurance

John Lewis have narrowed down their insurance portfolio but still offer a great option for home insurance

They offer flexibility to build your home and contents insurance to suit your particular needs. Choose between three levels of core cover and then there are optional add-ons to complete your package.

Optional add-ons include:

  • Accidental damage for contents
  • Bicycle cover
  • Gadget cover
  • Up to £5000 of contents cover for family studying and living away from home
  • Accidental damage cover for buildings
  • Personal Cyber cover

This content was last reviewed on 26/10/2021