Linea Directa refused to pay out to me on a technicality that 3 solicitors agreed did not apply in my case. All 3 also said that they would not take on my case as "Linea Directa use the most powerful solicitors and will fight every case until the plaintiff runs out of money". I went to the wonderfully flash EU funded ombudsman in Tortosa who laughed and told me I was wasting my time.
Hope you never have a claim and you can see why their prices are lower. As Mr Spooner would say, "a crunch of books".