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Privilege home insurance review

Read Which?'s expert review of Privilege's home insurance policies, find out how we rate Privilege's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Who is Privilege? How does Direct Line home insurance cover? How Which? rates Direct Line's home insurance Privilege's home insurance policy: is it good or bad?  How do customers rate Privilege's home insurance?
Does Privilege offer different levels of home insurance cover? How much does Privilege's home insurance cost? What is Privilege's claims number? Who underwrites Privilege's home insurance?  Get top money-saving tips from Which?

Who is Privilege?

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

It's owned by the Direct Line Group who own other well-known brands like Churchill, Direct Line, and Green Flag. 

The Direct Line Group is a publically owned company listed on the London Stock Exchange. 

How does Direct Line home insurance cover?

The information below gives an at-glance view of the key things that the Direct Line's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

 

 Burst pipes

Covers the cost of repairing burst pipes in your property.

 

 Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Personal possessions 

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

 

How Which? rates Direct Line's home insurance

To help you find the Best and worst home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

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 32 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 46 features of its cover to calculate the policy score.
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Privilege's home insurance policy: is it good or bad? 

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 45 out of the 60 elements policy elements we analysed in Privilege's home insurance earned a 3-star rating or higher.

While 25 of Privilege's policy elements were given a full 5-star rating, the majority of the features in its policy were given a 3-star rating or below, which indicates a below-average level of cover.  

Best parts of Privilege’s home insurance policy

We’ve identified three standout features in Privilege’s home insurance policy

  • No adjustment fee, which we gave a full 5 stars
  • Home removal insurance is included, which scored 5 stars
  • No renewal fee, which earned 5 stars

Worst parts of Privilege’s home insurance policy

We've identified three features in Privilege's home insurance policy which scored poorly:

  • Digital information not included in home cover, which scored 0 stars
  • Business and office equipment not covered, which we have 0 stars
  • £44 cancellation fee, which earned 1 star out of 5

In detail: every part of AA’s home insurance rated

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how Privilege's home insurance compares to other policies check out our guide on the best and worst home insurance

How do customers rate Privilege's home insurance?

As well as looking at how Privilege's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is 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.

Overall, Privilege's home insurance scored 67% for customer satisfaction, placing it 29 out of the 34 home insurers we looked at.

Customers scored Privilege's 'clarity of policy' the highest, giving it three stars out of five. Privilege's 'transparency of charges/penalties' scored the lowest and earned 2 stars. 

The table below shows how Privilege's home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does Privilege offer different levels of home insurance cover?

The scores shown in this review relate to Privilege's standard home insurance policy. If you would like to take out home insurance with Privilege but need more cover, you could opt for the Privilege Platinum Home Insurance policy. 

This policy offers:

  • Personal possessions cover as standard
  • Home emergency cover as standard
  • Business/office equipment cover as standard

Due to the increased level of cover, the Privilege Platinum Home policy is likely to be more expensive than its standard home insurance policy. 

How much does Privilege's home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

Privilege allows you to gather quotes on its own website at www.privilege.com/home-insurance.

But you can also compare Privilege home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Confused.com
  • Moneysupermarket.com

Check out our guide for more information on how add-ons, fees, and charges affect the price of your home insurance.

What is Privilege's claims number?

If you need to make a claim with Privilege home insurance call 0345 246 8534.

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.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Due to sample size, we weren't able to score Privilege on its claims performance but you can check how other home insurers ranked in our guide making a home insurance claim.

Who underwrites Privilege's home insurance? 

Privilege's home insurance policies are underwritten by UK Insurance Limited. 

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