Direct Line's new Business from Home Insurance is designed for self-employed people who run their business from their home address such as professional consultants and light manufacturing (e.g. potters, woodworkers).

Direct Line's new Tradesman Insurance product is designed for traditional building and allied trades (established professional tradesmen and craftsmen with up to ten manual employees).

It could take one small mishap to jeopardize a decorator, electrician, plumber or builder's ability to earn an income. Direct Line's Tradesman Insurance protects tradesmen in such situations, providing a comprehensive standard policy. This gives up to £1 million public liability cover, with the option to increase up to £5 million and add additional covers, allowing the customer to mould the insurance to their needs.

Standard cover:
•Public liability
•Optional cover
•Employers liability
•Tools and equipment

The top Tradesmen professions who bought Direct Line's Trademan Insurance are:
•Builders PDHs (prof. development hours)
•Painters and decorators (excluding heating)
•Carpenters and joiners
•Plumbers all other work
•Carpet/upholstery cleaner
•Gardeners
•Cleaning contractors
•Painters and decorators (other)
•Bricklayers
•Double glazing installers

Other key selling points:
•£100 excess in respect of damage to third party property
•Free 24 hour advice lines including legal advice on any business problem including Employment, Tax, Contract Disputes etc, stress counselling and health and medical assistance

Direct Line's new Office and Surgery Insurance is designed for professionals and businesses that are run from office or surgery premises. The key business types suitable for this policy would be good quality provincial/suburban professional offices (e.g. solicitors, accountants, chartered surveyors, management consultants) or surgeries.

Direct Line offer a range of discounts and product innovations, all aimed at bringing down the cost of car insurance.
You'll also benefit from no claims discount for named drivers, further discount if you insure a second car and the Direct Line uninsured driver promise - if you're hit by an uninsured driver, we'll cover your excess and it won't affect your no claims discount.
If you choose one of our repairers, your car will be collected and delivered for free, cleaned inside and out and the repair work will be guaranteed for 5 years.
Direct Line car Insurance - a good deal better.

What makes Direct Line Pet Insurance a good deal better?
• 15% discount if you insure more than 1 pet online (If you are entitled to more than one discount, each will be deducted consecutively from your premium)
• We cover your pet per condition so there's no restriction on the number of times you can claim
• We can pay the vets direct
Affiliates can earn up to £45 per policy sale - Commission as follows: £35 - Essential cat cover policy, £40 - Essential dog cover policy, £40 - Advanced cat cover policy, £45 - Advanced dog cover policy.

Earn £100 per sale from Direct Line's LandLord Insurance, designed for properties owned by the policyholder and occupied by tenants solely for domestic, residential purposes.

Properties can be single and multi-location portfolios of houses and modern, purpose-built blocks of flats, occupied full-time by professionals, and ideally managed by the policyholder or professional letting agents. All could be at risk from fire, theft, malicious damage, and public liabilities, amongst others.

Direct Line's Residential Property Insurance covers landlords against each of these risks as part of it's basic standard cover and offers the opportunity to mould their policy to suit them best by adding optional extras or increasing cover levels.

Standard cover:
•Buildings including equipment breakdown
•Public and Property Owners Liability
•Business interruption
•Loss of money
•Personal accident (assault)

Optional cover:
•Loss of rent receivable
•Landlord’s contents
•Employers liability
•Personal accident

Key selling points:
•Alternative accommodation costs up to 20% of the sum insured on the damaged building
•Damage to gardens caused by emergency services with up to £25k for any one claim
•Free 24-hour advice lines including glass replacement and legal advice
•Equipment breakdown including landlord’s contents contained within tenanted property

Please find below the top residential property owner types who've bought Direct Line's Residential Property Insurance:
•Single tenant
•Occupied as 1 or 2 flats
•Occupied as 3 or 4 flats
•Purpose built flats
•Occupied as 2 flats
•Occupied as 5 or 6 flats
•Occupied as 4 flats
•Occupied as 3 flats
•Occupied as 7 or 8 flats
•Occupied as 6 flats

Earn £120 per sale from Direct Line's new product specifically tailored to give retailers the cover they need.
Whether the retailer runs a tobacconists, clothing or health food store, each could be at risk from fire, theft, malicious damage or personal assault, amongst many others.
Direct Line's Shop Insurance aims to cover retailers against these risks as part of its basic cover and then allows them to mould their policy to their requirements by adding optional extras or increasing cover levels. See below for more details.

Standard cover:
•Contents including engineering breakdown
•Employers liability
•Public/products liability
•Business interruption
•Loss of money
•Personal accident (assault)

Optional cover:
•Buildings (all risks)
•Loss of licence
•Personal accident

Further selling points:
•Business interruption included as standard. (Up to £500k loss of income sum insured)
•Free 24 hr advice lines including glass replacement, locksmith services and legal advice.
•Emergency assistance (rapid response from reputable local contractors to deal with emergencies on your premises e.g. burst pipes, drainage problems, gas, electricity failures, serious roof damage)
•Goods in transit in own vehicles up to £2k (£750 for tobacco, wines and spirits)
•£15k cover for loss of perishable goods following breakdown of the storage equipment
•£200 standard excess for Contents & Buildings
•Engineering breakdown

The top ten retail trades who have bought Direct Line's Shop Insurance are:
1.Hairdressers
2.Clothiers and outfitters
3.Grocers and provisions
4.Sandwich bars (no cooking)
5.Carpet and floorcovering
6.Fancy goods
7.Furniture dealers
8.Newsagents
9.Butchers and poulterers
10.Florists

What makes Direct Line Home Insurance a good deal better?
• Buildings cover - up to £1,000,000 as standard
• Contents cover - up to £50,000 as standard
• Receive a discount if you don't make a claim, when you renew next year
• UK only call centres for all sales, service and claims lines

Earn £150 per sale from Direct Line's new Commercial Property Insurance from Direct Line gives you the cover you need as the landlord of one or more rented commercial properties.

Whether the rented property is a single office or a portfolio of commercial properties, there's a risk for all of fire, theft, malicious damage and public liabilities amongst others. Direct Line's Commercial Property Insurance covers against each of these risks as part of its standard cover and then allows the policyholder to tailor it to their individual needs by adding optional extras or increasing cover levels.

Standard cover:
•Buildings including Equipment breakdown
•Public and Property owners liability

Optional cover:
•Loss of rent receivable
•Landlords contents
•Employers liability
•Personal accident

Key selling points:
•Alternative accommodation costs, up to 20% of the sum insured on the damaged building
•Damage to gardens caused by emergency services up to £25,000 for any one claim
•Free 24-hour advice lines including glass replacement and legal advice
•Equipment breakdown, including landlords contents contained within tenanted property

The top commercial property owner trades who bought Direct Line's Commercial Property Insurance are:
•Offices
•Motor dealer
•Hairdressers
•Light engineering
•Estate agency
•Café
•Clothing retail
•Public House
•Beauty Salon
•Sandwich bar

Direct Line offers a range of discounts and product innovations that are aimed at achieving one thing – bringing down the cost of van insurance. These include:

•Named Driver No Claims Discount
•Matched No Claims Discount
•Multi-van Discount (currently 10% discount)
•Breakdown Multi-van Discount