Privilege is owned by UK Insurance Limited, which also includes insurance brands Direct Line, Churchill and Green Flag, and its home insurance policies are underwritten by UK Insurance Limited.
Privilege offers the following levels of home insurance cover:
|Policy||Policy level||Buildings - Maximum sum insured||Contents - Maximum sum insured|
|Privilege Home insurance||Standard||Unlimited||£50,000|
|Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy|
- Read our reviews of all the insurers featured in our home insurance analysis
What does Privilege home insurance cover?
Below is an at-glance view of the key areas that Privilege's home insurance covers as standard. Elements marked with a ✓ are covered as standard, those marked with a ✘ aren't covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst pipes
Covers the cost of repairing burst pipes in the property
✓ Key cover
Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen
£ Accidental damage
Covers accidental damage to personal belongings, fixtures and fittings.
£ Home emergency
Covers callouts and temporary repairs resulting from a home emergency
£ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home.
£ Boiler cover
Covers the failure of a boiler or central heating system
£ Legal protection
Cover for legal costs resulting from claims such as property and employment disputes
Does Privilege offer the best home insurance?
Here's how Privilege scored in our latest home insurance survey:
To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score, and 66 key elements of standard home contents insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.
Privilege's home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of Privilege's home insurance rated
Table last updated in March 2021. Next update in March 2022.
Does Privilege offer different levels of home insurance cover?
Privilege also offers Platinum home insurance, which features a higher level of cover, usually for a higher premium. Log in to find out how we rated it.
Where can you buy Privilege home insurance?
Privilege home insurance can be purchased online and over the phone
Privilege's home insurance policy is available on the following price comparison websites:
- Compare The Market
- Go Compare
Find out more: how to get cheap home insurance
What is Privilege's claims number?
If you need to make a claim with Privilege home insurance, call 0345 246 8534 or submit a form online.
- Find out more: is it worth claiming on your home insurance?
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