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Privilege home insurance review

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

In this article
What does Privilege home insurance cover? 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?
Where can you buy Privilege home insurance? What is Privilege's claims number? Get top money-saving tips from Which?

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

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
Privilege Platinum Premium Unlimited £100,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

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:

    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 who have recently made a claim. 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 of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
    Contents policy score
    %
    Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 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 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.

    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 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 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
    • Confused.com
    • Go Compare
    • MoneySupermarket

    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.

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