Privilege

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.

Privilege
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Car insurance

Ranked 39th of 52 providers reviewed.

Customer happiness 57.07%
Customer trust 44.7%
Complaints performance 75.78%
Transparency rating 73.32%
Fairer Finance score
Reviewed Autumn 2022
63%

Home insurance (building and contents)

Ranked 36th of 48 providers reviewed.

Customer happiness 50.09%
Customer trust 42.64%
Complaints performance 75.77%
Transparency rating 77.43%
Fairer Finance score
Reviewed Autumn 2022
61%

Car insurance

Privilege

Car Insurance Comprehensive Plus

5 stars
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

Privilege

Car Insurance Comprehensive

4 stars
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

Telematics Car Insurance

Privilege

Drive Xpert

5 stars
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

Home Emergency Cover

Privilege

Home Emergency (Home Insurance)

3 stars
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

Privilege

Home Emergency (Platinum Home)

3 stars
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

Home insurance (building and contents)

Privilege

Platinum Home Insurance

4 stars
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

Privilege

Home Insurance

1 stars
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

Buildings insurance

Privilege

Platinum Home Insurance

4 stars
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

Privilege

Home Insurance

1 stars
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

Contents insurance

Privilege

Platinum Home Insurance

4 stars
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

Privilege

Home Insurance

2 stars
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