Silver, Gold and Platinum home cover
OUR ASSESSMENT
Direct Line uses three direct home-cover tiers, with materially different buildings limits and optional-benefit treatment. Compare the exact product and selected options in the side-by-side category table, then check the accepted quotation and policy schedule.
Features to compare
- Published buildings limits are £750,000 for Silver, £1 million for Gold and unlimited for Platinum, subject to terms.
- Platinum includes accidental damage, home emergency and family legal protection.
Limitations and checks
- Silver and Gold do not inherit every Platinum benefit; confirm optional additions.
- Overall limits do not remove item limits or eligibility conditions. Direct Line is part of Aviva.
The question to ask
Which tier and extras reproduce the protection in the other quotation, and what excesses still differ?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
