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How to Cancel Direct Line

Direct Line provides car, home, pet, and travel insurance. Cancellation requires a phone call. Cancellation fees and refund amounts depend on how far into the policy term you are.

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Insurance

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Quick Facts

Cancel online?
No — phone/letter required
Pause option?
No
Notice period
14 days
Refund policy
Pro-rata refund minus administration fee (around £50) for mid-term cancellations. Full refund within 14-day cooling-off period minus days used.
After cancellation
Policy and claims data are retained for 6 years per regulatory requirements.

Cancellation Steps

Go directly to Direct Line cancellation page

  1. Review your policy documents

    Check your policy for any cancellation fees and notice period requirements.

  2. Call Direct Line

    Phone 0345 246 8704 to request cancellation.

  3. Provide your policy details

    Have your policy number, personal details, and reason for cancellation ready.

  4. Confirm cancellation terms

    The agent will confirm any refund due or cancellation fees. Get written confirmation.

Tips & Things to Know

  • If within the 14-day cooling-off period, you are entitled to a full refund minus any days of cover used.
  • Cancellation mid-term may incur an administration fee (typically around £50).
  • Make sure you have replacement cover in place before cancelling motor or home insurance.

Your Consumer Rights

  • Under the Insurance: Conduct of Business Sourcebook (ICOBS), you have a 14-day cooling-off period for new insurance policies.
  • Cancellation fees must be fair and reasonable under the Consumer Rights Act 2015.

Frequently Asked Questions

Is there a fee to cancel Direct Line insurance?
Yes. Mid-term cancellations typically incur an administration fee of around £50.
Will I get a refund from Direct Line?
You receive a pro-rata refund for unused months, minus the admin fee.
Can I cancel Direct Line insurance online?
No. You must call 0345 246 8704 to cancel.
What about the 14-day cooling-off period?
Within 14 days of purchase, you get a full refund minus a charge for days of cover used.
Do I need replacement insurance before cancelling?
Yes. It is illegal to drive without motor insurance, and mortgage lenders require home insurance.

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