Leading the market

We use multiple brands, products and distribution channels to reach our customer segments for personal lines and commercial insurance in the UK, as well as multiple distribution channels for motor insurance in Italy and Germany

Our business divisions

We tailor our products to target specific market segments effectively.

Contribution to Group ongoing operating profit pie chart
Personal Lines

Motor

We are the UK’s leading personal motor insurer with a 16% share of the market’s in-force policies. Mainly represented through our highly recognised brands, Direct Line and Churchill, we insure one in six cars on the road, representing 4.1 million in-force policies. We also sell motor insurance through partners such as Sainsbury’s Bank.

Gross written premium

£1,623.5m

In-force policies (thousands)

4,050

Combined operating ratio

101.6%

Operating profit

£261.8m

Home

We are one of the UK’s largest home insurers with an 18% market share of in-force policies. In addition to selling home insurance products through our own brands, we also distribute home policies through partners such as Sainsbury’s Bank, RBS, NatWest, Nationwide Building Society and Prudential.

Gross written premium

£989.0m

In-force policies (thousands)

4,239

Combined operating ratio

96.6%

Operating profit

£93.3m

Rescue and other personal lines

We are a leading provider of rescue and other personal lines insurance in the UK with 9.4 million in-force policies. This includes Green Flag, the UK’s third largest roadside recovery provider. We also have an 11% share in both the pet and travel insurance markets.

Gross written premium

£389.8m

In-force policies (thousands)

9,431

Combined operating ratio

82.7%

Operating profit

£84.4m
Commercial

We provide commercial insurance, focused on SMEs and micro businesses, in the UK through our own brands NIG and Direct Line for Business, as well as through RBS and NatWest.

Gross written premium

£435.6m

In-force policies (thousands)

466

Combined operating ratio

108.2%

Operating profit

£2.2m
International

We are the largest direct motor insurer in Italy and the third largest in Germany, the two largest motor insurance markets in Europe. Private motor insurance is sold through the Direct Line brand and we have around 1.5 million in-force policies.

Gross written premium

£552.7m

In-force policies (thousands)

1,462

Combined operating ratio

103.3%

Operating profit

£19.5m

Multi-brand

We sell our products across a range of brands. Over 25 years, these brands have fundamentally changed Britain’s insurance industry, making it easier for millions of customers to get good value cover.

Image of Direct Line Group logos