Privilege car insurance review

Privilege is part of UK Insurance Limited, which additionally offers car insurance through its other brands, such as Churchill and Direct Line. Privilege also sells home insurance.

We've reviewed two levels of car insurance cover from Privilege: its Comprehensive Plus cover, as well as its standard Comprehensive policy. We didn't receive feedback from enough customers to rate its levels of service.

The policies cover drivers up to 84 years old.

Please note: this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does Privilege offer the best car insurance?

See how this compares with the best car insurance, or read more about how we rate car insurance.

What does Privilege car insurance cover?

We reviewed two Privilege policies. Select a policy from our table to see what it offers and our score.

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'Respectable cover levels'

Dean Sobers, Which? car insurance expert, says:

We gave Privilege’s Comprehensive Plus policy 66% – placing it comfortably above the 62% average and in the top 40% of policies rated.

Despite this, its underwriter’s complaints record meant Privilege didn’t drive away with a Best Buy badge.

Privilege’s policies have 24-hour claims helplines, and it defines cars of up to 24 months old as being ‘new’ for the purposes of its new-car replacement cover. This is a pledge to replace your car with an identical model if it’s stolen or written off, but most insurers define 'new' as a car up to a year old.

We did see that it charges adjustment fees if you make mid-term changes to the policy, from £10 to £27 depending on whether these changes are made online or by phone.

Privilege also charges higher-than-average compulsory excesses.

In-car entertainment system

Privilege’s policy was ahead of many others when it came to the cover you get protecting your in-car entertainment systems. 

There’s no claims limit for manufacturer-installed audio systems; for aftermarket systems, there’s a generous limit of £2,000. In-car satnavs are covered to the same limits.

Comprehensive

The lower-cost alternative to Comprehensive Plus is Comprehensive. This was very much a mid-table performer in our analysis, with a score of 61%.

How good is Privilege at handling claims?

Privilege's underwriter UK Insurance Limited accepted 95-100% of car insurance claims in 2024. This was around the average (98.8%) for the market.

Of customers who claimed, 10-15% made a complaint, which is quite a bit above the average (6.9%).

How can you save money on Privilege car insurance?

You can buy Privilege policies directly from its website, or from the following comparison websites:

• Compare the Market
• Confused.com
• Go.Compare
• MoneySuperMarket

You may be given a discount if you take out both your car and home insurance with Privilege, and if you buy a policy to cover multiple vehicles.

Privilege may be willing to offer additional discounts if you contact it at renewal to discuss its renewal offer.

Above information correct as of December 2025.

How does Privilege compare with other providers?

With a policy score of 66%, Privilege's premium Comprehensive Plus cover is just behind Allianz's Silver cover, Direct Line's Premium Online and Comprehensive policies, and also the standard cover from Moja. They all earned 67%.

Its standard Comprehensive cover scored 61%, behind Admiral Essentials, Beam car insurance and 1st Central's Extra cover, as well as two policies from Quote Me Happy – Plus and Plus with Roadside (all 62%).

Privilege: how can I claim?

If you need to make a claim with Privilege car insurance, you can call 0800 051 6990 or start a claim online.

• Find out more: is it worth claiming on your car insurance?

Should you buy Privilege car insurance?

Its poor complaints record means we can’t fully recommend it, but Privilege’s Comprehensive Plus policy offers respectable cover levels.

How we rate car insurance

Find out how Privilege rates for other products

• Privilege home insurance review