stairpost
Average at best.
I spent a year working in amendments at Direct Line a few years ago, I have to say that my experience of their cover was very positive, to the extent that I switched to a policy with them.
From memory, you have to declare that the contents policy cover is adequate for your entire contents, usually £50k on a standard policy and £100k on a plus policy. The only items that then have a single article limit is valuables - Jewelry, watches, coin collections, art and the like, and these can only make up a certain percentage of your overall contents value (£15k if memory serves). Despite the price hifi is not classed as a valuable, so you can have £40k of hifi covered on a standard policy as long as you are under the limit in total. I'd say it's definitely worth putting them on your consideration list and maybe even ringing them as you might be pleasantly surprised at how easily the cover suits your needs. Obviously there can be endorsements applied but that is the same for everyone and very much dependent on underwriting risk assessment criteria.
As I say it was 6 or 7 years ago that I worked for them so my experience (and memory) could well be out of date. but as someone that's been on the inside of how they treat their customers I'd definitely recommend them.
From memory, you have to declare that the contents policy cover is adequate for your entire contents, usually £50k on a standard policy and £100k on a plus policy. The only items that then have a single article limit is valuables - Jewelry, watches, coin collections, art and the like, and these can only make up a certain percentage of your overall contents value (£15k if memory serves). Despite the price hifi is not classed as a valuable, so you can have £40k of hifi covered on a standard policy as long as you are under the limit in total. I'd say it's definitely worth putting them on your consideration list and maybe even ringing them as you might be pleasantly surprised at how easily the cover suits your needs. Obviously there can be endorsements applied but that is the same for everyone and very much dependent on underwriting risk assessment criteria.
As I say it was 6 or 7 years ago that I worked for them so my experience (and memory) could well be out of date. but as someone that's been on the inside of how they treat their customers I'd definitely recommend them.