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Privilege home insurance review

Read Which?'s expert review of Privelege's home insurance policies and find out how it compares to dozens of other home insurance companies.

In this article
Privilege home insurance overview Does Privilege offer the best home insurance? Privilege's Home insurance policy: is it good or bad? 
Does Privilege offer different levels of home insurance cover? What is Privilege's claims number? Get top money-saving tips from Which?

Privilege home insurance overview

Established in 1994, Privilege is a Bromley-based company that offers home insurance, car insurance, and car breakdown cover. 

Privilege are owned by U K Insurance limited, which also includes insurance brands Direct Line, Churchill and Green Flag and their home insurance policies are underwritten by U K Insurance Limited.

Does Privilege offer the best home insurance?

Here's how Privilege scored in our latest home insurance survey:

    Home And Mobile Insurance
    Privilege review
    Overall Which? score
    %
    Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
    Which? Customer Score
    %
    Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
    Buildings policy score
    %
    Which?'s rating of the quality this company's buildings insurance policy. We analysed 48 features of its cover to calculate the policy score.
    Contents policy score
    %
    Which?'s rating of the quality this company's contents insurance policy. We analysed 67 features of its cover to calculate the policy score.
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    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 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home 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.

    Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

    In detail: every part of Privilege's Home insurance rated

    Weighting Policy element Details Rating
    Most important Maximum sum insured (£) Logged out detail Logged out padlock
    Most important Alternative accommodation (£) Logged out detail Logged out padlock
    Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
    Most important Repairs guarantee Logged out detail Logged out padlock
    Other Unoccupancy period Logged out detail Logged out padlock
    Most important Trace and access  (£) Logged out detail Logged out padlock
    Most important Burst pipes - included? Logged out detail Logged out padlock
    Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
    Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
    Secondary Subsidence - included? Logged out detail Logged out padlock
    Secondary Damage to underground services - included? Logged out detail Logged out padlock
    Secondary Flood and storm damage - included? Logged out detail Logged out padlock
    Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
    Secondary Storm damage to fences - included? Logged out detail Logged out padlock
    Other Theft of keys - included? Logged out detail Logged out padlock
    Secondary Theft of keys (£) Logged out detail Logged out padlock
    Other Loss of keys - included? Logged out detail Logged out padlock
    Secondary Loss of keys (£) Logged out detail Logged out padlock

    Table last updated in March 2020. Next update in February 2021.

    Does Privilege offer different levels of home insurance cover?

    Privilege also offers Platinum home insurance, which features a higher level of cover and will likely be available for a higher premium.

    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.

    According to Privilege, you'll be asked for your policy number 

    Then you'll be asked what you're claiming for and the approximate cost involved.

    Find out more about claiming successfully in our guide to making a home insurance claim.

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