Privilege Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Privilege is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Privilege home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Privilege the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Privilege’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,1 Safe overall rating for Privilege

Safe ratingOur opinion
Customer service & satisfaction
and claims

Standard home insurance rated 3 stars by Defaqto
Platinum level of cover rated 5 stars
 Detailed FAQs on website and live chat available to talk to robot or agent if more complex
Average Trsutpilot rate

Cover provided for your home

Upper level of cover Platinum available
No maximum sum insured limit for building insurance
Max contents sum insured of £50 000 with standard policy
Building insurance: blockage of sewer pipe available as extra

Value for money

Discounts for buying combined policy
£55 switching fees covered
£44 cancellation fees even during cooling-off period

Financial strength

Home insurance underwritten by U K Insurance Ltd


My Account customer portal available to manage policy
Livechat available
Very clear website

Safe rating for Privilege home insurance

Expert and customer satisfaction reviews for Privilege home insurance

Review organisationPrivilege home insurance reviews

Defaqto expert

Home: 3 stars
Platinum: 5 stars

Trustpilot3,3/5 based on 559 customers reviews
Which? Score

67% for building insurance
53% for contents insurance

Consumer satisfaction rates on reviews for Privilege home insurance

Our general opinion on 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.

What does Privilege home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Privilege will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Privilege covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Privilege buildings and contents insurance

Privilege provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Privilege building insuranceLimits
Maximum sum insured


Owner liability

£2 000 000

Alternative emergency accomodation

£25 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£1 000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

As standard


As standard

Underground services

As standard

Keys cover


Flood and storm damage (except for fences)

As standard

Privilege building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£50 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Available as extra

Contents kept in garden


Contents kept in outbuildings (garage included)

£50 000

Thefts from outbuildings

£1 000

Single item limit for valuables

£2 000

Items temporarily removed from home

Not covered

Money in and outside the homeInside:

Not covered


£250 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Not covered

Business equipment kept at home

Not covered

Student equipment

Not covered

Keys cover


Privilege contents insurance

Privilege home insurance additional cover

On top of your Privilege buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 for emergency accommodation – 1 night
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £20 000 for single item limit away from home
  • Up to £250 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2 000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £3 000 limit

Privilege home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claims£550
Excess for subsidence claims£1000 – £2000
Excess for personal possessions£100
Excess for keys£100
Privilege home insurance main excess

Privilege home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Privilege fees are as follows:

Fees applied to manage your Privilegehouse policy
Interests on payment installmentsVaries
To renew my policy£0
To adjust my policy£24
To duplicate documents£0
To cancel my policy during cooling-off period£44
To cancel my policy outside cooling-off period£44
For payment default£0
To switch from one insurer to Privilege£55
Home insurance fees at Privilege

How much does Privilege home insurance cost?

You will below indicative quotes for building and contents insurance at Privilege:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Privilege

It is very difficult to give a precise range of how much exactly will your home insurance cost at Privilege as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Privilege will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Privilege home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Privilege home insurance?

You can report a claim at Privilege either through your customer portal MyAccount or by calling the claim management team.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Privilege home insurance?
Claim online

Claim form

Claim by phone

0345 246 8534

How to claim on my home insurance at Privilege

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Privilege house insurance?

To cancel your Privilege house insurance, here is what you need to know: 

Cancelling your home insurance at Privilege
Cancellation notice if Privilege cancel your policy14 days
Cancellation feesFees during cooling-off period: £44
Fees outside cooling-off period: £44
Cancel by phone

0345 246 8534
Monday to Friday 8am – 6pm.
Saturday 9am – 2pm.
Sunday Closed.
Bank Holidays 9am – 5pm.

How to cancel my Privilege home insurance

How to contact Privilege home insurance?

ServicesPhone numbersOpening hours
Customer service and claims

0345 246 8534

Monday to Friday 8am – 7pm
Saturday 9am – 5pm
Sunday Closed

How to contact Privilege home insurance

Privilege home insurance contact details

Privilege contact details
Privilege address

Little Neville St, Leeds LS1 4AY, UK

Customer service email

Not available

Chatbot available

Virtual assistant available, and live chat with agent if issue more complex

Privilege contact details

How do I log in to Privilege customer portal?

You can log in to your customer portal My Account on the website. This allows you to:

  • make a claim
  • get or retrieve a quote
  • manage your home insurance policy 24/7, make changes, add interested party
  • get proof of your NCB
  • upload documents.

How do I get Privilege home insurance quotes? 

To get a quote online at Privilege, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Privilege is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Privilege home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Privilege house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.