Updated September 28, 2026 · AssureCue Editorial Team
Direct Line for Business vs Gigasure
Direct Line for Business vs Gigasure: the differences
| Compare |  Direct Line for Business |  Gigasure |
|---|---|---|
| Insurance types | Van, Auto, Landlord, Home, Home emergency, Breakdown | Travel, Van |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | App, Website |
| Age range | Drivers must be at least 21 years old | 18-75 single trip, 18-70 annual multi-trip |
| Premium from | Not confirmed | £36.35 |
| Excess from | Not confirmed | £0 to £10,000 |
| Cover limit | Not confirmed | Medical expenses trips abroad: GBP 10,000,000 (Core) to GBP 20,000,000 (Max) |
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Key differences
- Direct Line for Business scores higher overall: 9.2 vs 8.9.
- Insurance types: only Direct Line for Business offers Auto, Landlord, Home.
- Insurance types: only Gigasure offers Travel.
- Claims channels: only Direct Line for Business offers Online, Phone.
- Claims channels: only Gigasure offers App, Website.
Our verdict on each
Direct Line for Business
Direct Line for Business is an insurer rather than a broker, writing through U K Insurance Limited and holding a Prudential Regulation Authority licence. It suits drivers and property owners in GB who want van, car, home, landlord, home emergency and breakdown cover under one roof, with support on phone, chat and help centre.
Gigasure
Gigasure suits people in the UK who want travel or van cover alone rather than a full personal lines policy, and car hire excess cover starts at £36.35. It is a broker registered with the Financial Conduct Authority, so the selling firm is named, regulated and checkable.
Score breakdown
| Area | Direct Line for Business | Gigasure |
|---|---|---|
| Cost | Not confirmed | 9.0Entry price of £36.35 for car hire excess sits above the site median, which stands at €8.37. |
| Offer | 9.3Higher | 9.0 |
| Trust | 9.2Higher | 8.8 |
Side by side, item by item
| Insurance types | Direct Line for Business | Gigasure |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | No | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Home emergency | Yes | No |
How they place
| Ranking | Direct Line for Business | Gigasure |
|---|---|---|
| Car insurance | 102 of 393 | 21 of 393 |
| Van insurance | 12 of 38 | 3 of 38 |
Availability and regulation
| Country | Direct Line for Business | Gigasure |
|---|---|---|
| United Kingdom |
Available in 1 country for both.
Where these facts come from
Direct Line for Business
- directlineforbusiness.co.uk: 8 facts, checked September 26, 2026
Gigasure
- gigasure.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Direct Line for Business | Gigasure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Legal entity | U K Insurance Limited (Registered in England and Wales No 1179980) | Gigasure Services Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2007 | Not confirmed |
| Support channels | Phone, Chat, Help centre, Email | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Direct Line for Business | Gigasure | Median |
|---|---|---|---|
| Premium from | Not confirmed | £36.35highest quarter | £7.95 |
| Excess from | Not confirmed | £0 to £10,000below the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Direct Line for Business
Pros
- An insurer, not a broker, so the cover is underwritten in house: insurer
- One account covers van, car, home, landlord, home emergency and breakdown: van, auto and landlord
- Support runs on phone, chat and help centre
Cons
- Van drivers must be at least a minimum age before they can be covered: Drivers must be at least 21 years old
- Founded in 2007, so it is a recent operation compared with long standing rivals
Gigasure
Pros
- Excess on car hire excess cover runs £0 to £10,000, so a traveller chooses how much of the rental charge to carry instead of accepting a fixed figure.
- Claims are filed through the app and website and support runs on email, chat and phone, giving policyholders live and written routes inside the same provider.
- The FCA registration 1005421 sits on a broker, so the firm taking the instruction is named and checkable by the customer.
Cons
- The catalogue is travel and van, so anyone wanting home, motor or life in the same place has to move to another provider.
- On entry price Gigasure ranks 199 of 252 across the site, so the starting figure sits high in a list sorted from the lowest premium.
- The 5.1 overall score is a middling one, and its 5.1 cost part is the same, so the price case is the part that needs arguing.
Who each suits
Direct Line for Business
Who it suits
- Van owners working in GB who meet the driver age rule: Drivers must be at least 21 years old
- Drivers and tradespeople wanting a single insurer for vehicle and property cover: van, auto and landlord
- Landlords wanting property and home emergency cover from the same provider: van, auto and landlord
Who should look elsewhere
- Motorcyclists needing a policy, since van and car are the vehicle lines offered: van, auto and landlord
- Anyone wanting life, health or pet insurance, as those sit outside its range: van, auto and landlord
- Shoppers who want a broker to widen the market, since it is an insurer: insurer
Gigasure
Who it suits
- Travellers inside the 18-75 single trip, 18-70 annual multi-trip bands, whether they are booking a single trip or an annual multi-trip policy.
- Anyone taking a car hire excess policy who wants the excess set themselves, with options running £0 to £10,000.
- Van owners who want travel and van held by the same broker, given the range is travel and van.
Who should look elsewhere
- Shoppers after auto, home or pet in the same place: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing a UK budget with another market: EuroAsia Insurance is priced at UZS 60,000 in Uzbek soum, which does not line up with a UK travel or van figure.
Current offers
Direct Line for Business
Current offer
Discount code
Introductory discount on new van insurance for existing multi-policy customers: Up to 10% off
Introductory discount. Minimum premiums apply. Excludes optional extras. Only where you have another policy with Direct Line
Source, checked September 26, 2026
Country by country
| Country | Direct Line for Business | Gigasure |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Direct Line for Business
Is Direct Line for Business an insurer or a broker?+
It is an insurer, so the risk stays with the company rather than being placed with another provider. The legal entity behind the policies is U K Insurance Limited, registered in England and Wales. That structure is recorded as insurer.
What cover can I buy from Direct Line for Business?+
Van and car cover sits alongside home, landlord, home emergency and breakdown. The full list is van, auto and landlord. If you need life, health or pet insurance, this is not the provider for those lines.
Gigasure
What does Gigasure actually sell?+
Gigasure is a focused personal lines broker and its range is travel and van, travel and van, with nothing else sitting alongside them. A shopper after a full household bundle is looking at a different kind of provider. Both lines sit inside the same brand, which keeps quoting and claims in the same place.
How much does car hire excess insurance cost?+
The entry figure is £36.35 for car hire excess cover, and the excess a traveller accepts on that policy runs £0 to £10,000. How much of the rental company's charge you agree to carry is the decision behind the quote, so £36.35 reads as the floor of the price rather than a typical bill.