Is Privilege a Good Insurance Company?
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You are considering buying an insurance policy at Privilege and are wondering if Privilege is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Privilege: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Privilege.
Who is Privilege?
Privilege is a subsidiary of the Direct Line Insurance Group, which also owns Churchill and Direct Line insurance companies. The target customer base of this insurance company are people that buy insurance policies based on comparison and prices seen online.
What are the main insurance policies available at Privilege?
Let's discover below main insurance policies offered by Privilege.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Home insurance | Get to know more |
Privilege expert and consumers reviews: Defaqto, TrustPilot
Privilege is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Privilege.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | Home: 3 stars |
Is Privilege a good car insurance company?
3,4 Safe overall rating for Privilege car insurance
Privilege is a subsidiary of the Direct Line Insurance Group, which also owns Churchill and Direct Line insurance companies. The target customer base of this insurance company are people that buy insurance policies based on comparison and prices seen online. Privilege offers three levels of cover third party, fire and theft comprehensive and comprehensive plus covers and with all of them, there are standard benefits like uninsured driver promise, personal accident cover and a courtesy car. The bad side of this insurance company is that there are no adequate communication means to reach the customer care agents.
In addition to typical car insurance coverage choices, Privilege offers, among other options:
Breakdown cover
Privilege partners with Green Flag for the breakdown cover which is available with five different covers which are:
- roadside assistance: roadside repair and alternative source of transportation for up to 10 miles
- home assistance: repair is provided in the case that the car breaks down at home
- national recovery: roadside repair is provided in the case that you get stranded en-route, transportation is also offered
- onward travel: £100 is provided to cover alternative modes of transportation for both the passengers and the driver, a temporary car with a maximum car engine of 1.6 litres is provided, also overnight accommodation worth - £150 per person (or £900 in total) is provided for the driver and passengers
- european breakdown: breakdown is provided in the case that it happens outside the UK.
The following services are offered with all five covers:
- nationwide roadside assistance
- cover for anyone driving your car during the breakdown.
Windscreen cover
The windscreen cover covers the following:
- the cost of replacing or repairing broken glass in the windscreen, sunroof or windows of your car
- the cost of repairing any damage done to the body of the car as a result of the broken glass
- with Privilege, if an approved repairer is used, the insurance policy would cover all expenses taking into the consideration the market value
- if a different repairer is chosen, £40 would be provided to cover the charges
- if a different supplier is chosen for the replacement of the glass, £125 would be provided to cover the charges.
Claim on windscreen, window or sunroof doesn't affect NCB.
Motor legal protection
Privilege's Motor Legal Protection policy provides:
- legal assistance in the case of an accident that was not the driver fault
- the sum of £100,000 in the event of a claim for an accident as long as there’s more than a 50% chance that the claim will be successful
- cover for the legal costs incurred as a result of the accident.
Personal injury policy
The Personal policy cover that Privilege offers is:
- only available with the Comprehensive cover and the Comprehensive Plus cover
- for the comprehensive cover, a sum of £5,000 is offered
- for the comprehensive plus cover, a sum of £10,000 is offered.
Besides main car insurance coverage, you can also get extra car insurance options at Privilege. Get to know more, read our complete review on Privilege car insurance.
Is Privilege a good home insurance company?
4,1 Safe overall rating for Privilege home insurance
Privilege home insurance is underwritten by U K Insurance ltd. The company provides both standard and Platinum level of cover. The Platinum level of cover ranks very high whereas the standard policy got 3 stars by Defaqto which is below average.
We would recommend anyone looking for home insurance policy to get the Platinum level of cover. The Platinum policy covers accidental damage, personal possessions and home emergency as standard. You can also insure up to £100k of contents value.
Privilege building insurance
You will find below building main insurance details for the Standard Home Insurance cover at Privilege:
- Maximum sum insured for your property: Unlimited
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £25 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £1 000
- Keys cover: Unlimited
- Subsidence excess: £1000 - £2000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Privilege contents insurance
You will find below contents insurance details for the Standard Home Insurance cover at Privilege:
- Maximum sum insured for your contents: £50 000
- Alternative emergency accomodation: £15 000
- Single item limit: £2 000
- Contents in the open: £500
- Contents in outbuildings: £50 000
- Money / credit card kept at home: Not covered / Not covered
- Items temporarily removed from home: Not covered
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Privilege is £100.
You will find exhaustive cover details, administration fees, contacts etc. on Privilege home insurance on our review below.
>> MORE: read our complete review on Privilege home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Privilege discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Home insurance | Discount is given for buying combined policy. |
How to contact Privilege?
Find out how to contact and log in to Privilege on our contact page.
