Privilege is a car and home insurance provider based in Bromley.
Privilege was established in 1994 and is known for its adverts featuring actress Joanna Lumley and footballer Ian Wright.
Privilege is underwritten by U K Insurance limited, which underwrites other brands such as Direct Line and Churchill.
We don't get paid for any links on our site.
| Customer happiness | 57.07% |
|---|---|
| Customer trust | 44.7% |
| Complaints performance | 75.78% |
| Transparency rating | 73.32% |
| Fairer Finance score Reviewed Autumn 2022 |
63% |
| Customer happiness | 50.09% |
|---|---|
| Customer trust | 42.64% |
| Complaints performance | 75.77% |
| Transparency rating | 77.43% |
| Fairer Finance score Reviewed Autumn 2022 |
61% |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Windscreen repair excess i | £10.00 |
| Windscreen replacement excess i | £75.00 |
| Repairs guarantee (years) i | 5 years |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i | |
| Vandalism i |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Windscreen repair excess i | £10.00 |
| Windscreen replacement excess i | £75.00 |
| Repairs guarantee (years) i | 5 years |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i | |
| Vandalism i |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Cover limit for Legal Liability Cover for property damage | £20,000,000.00 |
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Self-installed or engineer-installed box? i | Insurer's choice |
| Is device removal mandatory at the end of the contract? i | |
| Is there an excessive speeding restriction? | |
| Can your insurance be cancelled due to a poor driving score? | |
| Can premiums increase due to driving score? | On renewal |
| Curfew i | |
| Digital capability i | |
| Cancellation fee (within 14 days) box installed i | £53.76 |
| Speed restrictions scenario i | Pass |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Cancellation fee (within 14 days, box not installed) i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| Legal cover for manslaughter defence i | Unlimited |
| Are children's car seats covered? | |
| Cover limit for personal belongings inside car | £250.00 |
| Underwriter | U K Insurance Limited |
| Storage after accident i | |
| Vermin & insects i | |
| Misfuelling i |
| Water Supply Pipe Cover i | |
|---|---|
| Boiler Breakdown Cover i | |
| Home Security Cover i | |
| Lost keys Cover i | Covered under the home insurance policy |
| Cover Type i | Add-On |
| Home Emergency Cover limit i | £500.00 |
| Minimum Excess i | £0.00 |
| Internal plumbing and drainage i | |
| External Drainage i | |
| Burst or damaged pipes i | |
| Toilet unit i | |
| Root damage cover i | |
| Primary Heating System i | |
| Temporary Emergency Heating i | |
| Internal gas supply pipe cover i | |
| Boiler Age Exclsuions i | No Exclusion |
| Annual boiler service i | |
| Age of boiler to qualify for a beyond economic repair contribution i | No Exclusion |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i | £250.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i | £250.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i | £250.00 |
| Domestic Power supply covered? i | |
| Roof damage i | Covered under the home insurance policy |
| Pest infestation cover i | |
| Underwriter i | U K Insurance Limited |
| Maximum Excess i | £0.00 |
| Alternative Accommodation Cover i | £250.00 |
| 24/7 Claims Helpline i | |
| Unoccupied period i | 60 |
| Water Supply Pipe Cover i | |
|---|---|
| Boiler Breakdown Cover i | |
| Home Security Cover i | |
| Lost keys Cover i | Covered under the home insurance policy |
| Cover Type i | Add-On |
| Home Emergency Cover limit i | £500.00 |
| Minimum Excess i | £0.00 |
| Internal plumbing and drainage i | |
| External Drainage i | |
| Burst or damaged pipes i | |
| Toilet unit i | |
| Root damage cover i | |
| Primary Heating System i | |
| Temporary Emergency Heating i | |
| Internal gas supply pipe cover i | |
| Boiler Age Exclsuions i | No Exclusion |
| Annual boiler service i | |
| Age of boiler to qualify for a beyond economic repair contribution i | No Exclusion |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i | £250.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i | £250.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i | £250.00 |
| Domestic Power supply covered? i | |
| Roof damage i | Covered under the home insurance policy |
| Pest infestation cover i | |
| Underwriter i | U K Insurance Limited |
| Maximum Excess i | £0.00 |
| Alternative Accommodation Cover i | £250.00 |
| 24/7 Claims Helpline i | |
| Unoccupied period i | 60 |
| Alternative accommodation cover limit for buildings i | £50,000.00 |
|---|---|
| Matching sets (contents) i | |
| Theft from outbuildings cover limit i | £5,000.00 |
| Escape of water excess i | £550.00 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £30,000.00 |
| Cycles included whilst in the home i | Optional |
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Keys/locks if lost or stolen (Buildings) i | Sum Insured |
| Money in the home i | £500.00 |
| Replace belongings new for old i | |
| Trace and access i | £5,000.00 |
| Matching sets (Buildings) i | |
| Escape of water (plus compulsory excess) i | £550.00 |
| Compulsory excess (contents) i | £100.00 |
| Additional flood excess i | £0.00 |
| Standard excess for subsidence claims | £1,000.00 |
| Liability as a tenant i | £10,000.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Property owner liability i | £5,000,000.00 |
| Buildings cover limit i | Unlimited |
| Contents cover limit i | £100,000.00 |
| Underwriter | UK Insurance Ltd |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | |
| Cancellation fee after 14 days i | £43.68 |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | £0.00 |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £2,500.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | Sum insured |
| Visitor's possessions | £1,000.00 |
| Out in open cover | |
| Frozen Food Cover | Sum insured |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | Sum Insured |
| Credit cards i | £0.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £10,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | As Standard |
| Cover away from home offered for: money | |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | As Standard |
| Special events (weddings and civil ceremonies) - limit | 10% of Sum Insured |
| Special events (weddings and civil ceremonies) - days | 60 days |
| Special events (births) - limit | 10% of Sum Insured |
| Special events (births) - days | 60 days |
| Special events (anniversaries and birthdays) - limit | 10% of Sum Insured |
| Special events (anniversaries and birthdays) - days | Not Offered |
| Special events (religious events) - limit | 10% of Sum Insured |
| Special events (religious events) - days | 60 days |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £0.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Alternative accommodation cover limit for buildings i | £25,000.00 |
|---|---|
| Matching sets (contents) i | |
| Theft from outbuildings cover limit i | £1,000.00 |
| Escape of water excess i | £550.00 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £15,000.00 |
| Cycles included whilst in the home i | Optional |
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Keys/locks if lost or stolen (Buildings) i | Sum Insured |
| Money in the home i | £250.00 |
| Replace belongings new for old i | |
| Trace and access i | £1,000.00 |
| Matching sets (Buildings) i | |
| Escape of water (plus compulsory excess) i | £550.00 |
| Compulsory excess (contents) i | £100.00 |
| Additional flood excess i | £0.00 |
| Standard excess for subsidence claims | £1,000.00 |
| Liability as a tenant i | £5,000.00 |
| Liability to domestic employees i | £5,000,000.00 |
| Property owner liability i | £2,000,000.00 |
| Buildings cover limit i | Unlimited |
| Contents cover limit i | £50,000.00 |
| Underwriter | UK insurance |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | |
| Cancellation fee after 14 days i | £43.68 |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | £0.00 |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £0.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | £0.00 |
| Visitor's possessions | £0.00 |
| Out in open cover | |
| Frozen Food Cover | Sum insured |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | Sum Insured |
| Credit cards i | £0.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | Reasonable Cost |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | Optional |
| Cover away from home offered for: money | |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | Not Offered |
| Special events (weddings and civil ceremonies) - days | Not Offered |
| Special events (births) - limit | Not Offered |
| Special events (births) - days | Not Offered |
| Special events (anniversaries and birthdays) - limit | Not Offered |
| Special events (anniversaries and birthdays) - days | Not Offered |
| Special events (religious events) - limit | Not Offered |
| Special events (religious events) - days | Not Offered |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £0.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Trace and access i | £5,000.00 |
|---|---|
| Keys/locks if lost or stolen (buildings) i | Sum Insured |
| Matching sets (Buildings) i | |
| Alternative accommodation cover limit for buildings i | £50,000.00 |
| Blocked drains i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Cover for collision and falling objects (including trees, animals, satellite, vehicle) i | |
| Civil riot or commotion i | |
| Cover for malicious damage | |
| Theft of attempted theft | £5,000.00 |
| Cover for storm and flood | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | |
| Escape of water (plus compulsory excess) i | £550.00 |
| Buildings compulsory excess i | £100.00 |
| Escape of water excess i | £550.00 |
| Flood excess i | £100.00 |
| Unoccupied period i | 60 |
| 24hr helpline i | |
| Repairs guarentee i | |
| Cancellation fee after 14 days i | £43.68 |
| Amendment fee i | £0.00 |
| Property owner liability i | £5,000,000.00 |
| Trace and access i | £1,000.00 |
|---|---|
| Keys/locks if lost or stolen (buildings) i | Sum Insured |
| Matching sets (Buildings) i | |
| Alternative accommodation cover limit for buildings i | £25,000.00 |
| Blocked drains i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Cover for collision and falling objects (including trees, animals, satellite, vehicle) i | |
| Civil riot or commotion i | |
| Cover for malicious damage | |
| Theft of attempted theft | |
| Cover for storm and flood | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | |
| Escape of water (plus compulsory excess) i | £550.00 |
| Buildings compulsory excess i | |
| Escape of water excess i | £550.00 |
| Flood excess i | |
| Unoccupied period i | 60 |
| 24hr helpline i | |
| Repairs guarentee i | |
| Cancellation fee after 14 days i | £43.68 |
| Amendment fee i | £0.00 |
| Property owner liability i | £2,000,000.00 |
| Matching sets (contents) i | |
|---|---|
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Theft from outbuildings cover limit i | £5,000.00 |
| Credit cards i | £0.00 |
| Amendment fee i | £0.00 |
| Cycles included whilst in the home i | Optional |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £100,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | Sum insured |
| Frozen Food Cover i | Sum insured |
| Business equipment i | 10,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | £1,000.00 |
| Temporary freezer storage | |
| Money in the home i | £500.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 2,500.00 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £30,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £100.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Liability as a tenant i | £10,000.00 |
| Property owner liability i | £5,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | £0.00 |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | UK Insurance Ltd |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | £43.68 |
| Wedding and civil ceremonies - limits/days | Cover Limit: 10% of Sum Insured /Days limit: 60 |
| Births - limit/days | Cover Limit: 10% of Sum Insured /Days limit: 60 |
| Anniversaries - Limits/days | Cover Limit: 10% of Sum Insured /Days limit: Not Offered |
| Religious events -Limits/days | Cover Limit: 10% of Sum Insured /Days limit: 60 |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | As Standard |
| Matching sets (contents) i | |
|---|---|
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Theft from outbuildings cover limit i | £1,000.00 |
| Credit cards i | £0.00 |
| Amendment fee i | £0.00 |
| Cycles included whilst in the home i | Optional |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £50,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | £0.00 |
| Frozen Food Cover i | Sum insured |
| Business equipment i | Reasonable Cost |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | £0.00 |
| Temporary freezer storage | |
| Money in the home i | £250.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 0 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £15,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £100.00 |
| Liability to domestic employees i | £5,000,000.00 |
| Liability as a tenant i | £5,000.00 |
| Property owner liability i | £2,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | £0.00 |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | UK insurance |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | £43.68 |
| Wedding and civil ceremonies - limits/days | Cover Limit: Not Offered /Days limit: Not Offered |
| Births - limit/days | Cover Limit: Not Offered /Days limit: Not Offered |
| Anniversaries - Limits/days | Cover Limit: Not Offered /Days limit: Not Offered |
| Religious events -Limits/days | Cover Limit: Not Offered /Days limit: Not Offered |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |