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The group owns a number of general insurance brands operating within the United Kingdom, including Direct Line, Direct Line for Business, Churchill, Privilege, Darwin and Green Flag. Direct Line is a company that specialises in selling insurance and other financial services, sold directly to consumers by telephone and the internet. [23]
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In addition to standard home insurance, some 8 million households in the UK are categorized as being a "non-standard" risk. These households require a specialist or non-standard insurer that would cover home insurance needs for people that have criminal convictions and/or where the property suffers subsidence or has previously been underpinned.
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Direct Line is an insurance company based in Bromley, England. Founded in 1985, as the country's first direct car insurance company, it has since expanded to offer a range of general insurance products. Its policies are underwritten by the regulated subsidiary UK Insurance Limited, and it is owned by the Direct Line Group.
Esure was founded in 2000 by businessman Peter Wood, who also launched the Direct Line insurance company for the Royal Bank of Scotland. [2] Esure is also known for its high-profile commercials with Michael Winner, used from 2002 to 2005 and resuming in 2007. The adverts spawned the phrase, "Calm down dear, it's a commercial". [3]
HBOS Insurance & Investment Group Limited manages the group's insurance and investment brands in the UK and Europe. It consisted of the following: St James's Place Capital (60%) Halifax General Insurance Services Ltd; St Andrew's Group; Clerical Medical; It also used to own UK investment manager Insight Investment Management Limited. [58]