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.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Car insurance
4 products reviewed
Electric Car Insurance
2 products reviewed
Privilege
Car Insurance Comprehensive Plus
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,000.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | Yes |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£115.00
|
| Cover limit for stolen keys |
£1,000.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
Privilege
Car Insurance Comprehensive
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,000.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£115.00
|
| Cover limit for stolen keys |
£1,000.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
Telematics Car Insurance
1 product reviewed
Privilege
Drive Xpert
| Feature | Value |
|---|---|
| Cover limit for lost keys |
£1,000.00
|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for Legal Liability Cover for property damage |
£20,000,000.00
|
| Underwriter |
U K Insurance Limited
|
| Cover limit for stolen keys |
£1,000.00
|
| Storage after accident | Yes |
| Cover for replacing original audio/visual equipment |
Unlimited
|
| New car replacement | Yes |
| Legal cover for manslaughter defence |
Unlimited
|
| Vermin & insects | Yes |
| Misfuelling | Yes |
| Cancellation fee (within 14 days, box not installed) |
£0.00
|
| 24hr helpline available | Yes |
| Self-installed or engineer-installed box? |
Insurer's choice
|
| Is device removal mandatory at the end of the contract? | Yes |
| Is there an excessive speeding restriction? | Yes |
| Can your insurance be cancelled due to a poor driving score? | Yes |
| Can premiums increase due to driving score? |
On renewal
|
| Curfew | No |
| Digital capability | Yes |
| Are children's car seats covered? | Yes |
| Cover limit for personal belongings inside car |
£250.00
|
| Cancellation fee (within 14 days) box installed |
£53.76
|
| Speed restrictions scenario |
Pass
|
Third Party, Fire and Theft Car Insurance
1 product reviewed
Privilege
Third Party, Fire and Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£0.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
Courtesy Car (Add-on)
1 product reviewed
Privilege
Guaranteed Hire Car Plus
Home emergency cover
2 products reviewed
Boiler Breakdown Cover
2 products reviewed
Privilege
Home Emergency (Home Insurance)
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£2.84
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£500.00
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£250.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£2.84
|
| Underwriter |
U K Insurance Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£250.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£250.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | Yes |
| Boiler controls | Yes |
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-16
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Privilege
Home Emergency (Platinum Home)
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£2.84
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£500.00
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£250.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Comes as standard with home insurance
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£2.84
|
| Underwriter |
U K Insurance Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£250.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£250.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | Yes |
| Boiler controls | Yes |
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-16
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
5 products reviewed
Buildings insurance
2 products reviewed
Privilege
Platinum Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£550.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Privilege
Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£550.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£1,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
2 products reviewed
Privilege
Platinum Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Covered as standard
|
| Money in the home |
£500.00
|
| Property owner liability |
£5,000,000.00
|
| Escape of water excess (minimum) |
£550.00
|
Privilege
Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£1,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£0.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£550.00
|
Home Legal Cover
1 product reviewed
Privilege
Family Legal Protection
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£100,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
N/A
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
£100,000.00
|
Motor Legal Cover
1 product reviewed
Privilege
Motor Legal Cover
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£100,000.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£100,000.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Car insurance
Ranked 27th of 49 providers reviewed
| Customer happiness score | 57.44% |
|---|---|
| Customer trust score | 46.98% |
| Complaints performance | 69.07% |
| Transparency rating | 75% |
|
Fairer Finance Score Reviewed Autumn 2026 |
62.12% |
Home emergency cover
Ranked 19th of 23 providers reviewed
| Customer happiness score | 48.14% |
|---|---|
| Customer trust score | 45.32% |
| Complaints performance | 68.92% |
| Transparency rating | 71.76% |
|
Fairer Finance Score Reviewed Autumn 2026 |
58.54% |
Home insurance (building and contents)
Ranked 35th of 47 providers reviewed
| Customer happiness score | 51.48% |
|---|---|
| Customer trust score | 43.14% |
| Complaints performance | 69.37% |
| Transparency rating | 75.63% |
|
Fairer Finance Score Reviewed Autumn 2026 |
59.90% |