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Home Insurance

(979 reviews)

Review Score

6.8

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Privilege home insurance customers benefit from a 24/7 emergency helpline, unlimited frozen food cover and new for old item replacements.

Susan Willshee

Verified

21/07/2020

A Privilege To Be A Customer

I suffer from a memory problem and often forget whether I have done something or not. I recently panicked because I found an old renewal notice for my home insurance and was convinced I hadn't renewed it and it was out of date. I immediately renewed with privilege as they were the cheapest on a comparison site. When the renewal confirmation arrived in my email inbox I filed it and then realised that I actually had renewed at the proper date. So now I had paid twice for the same thing. I immediately phoned the customer helpline who immediately checked and confirmed that they had two policies for me. They immediately cancelled the new policy and refunded the whole amount I had paid. I felt very embarrassed to have made such a silly mistake but the advisor was lovely and reassured me throughout my call.
Pleased to hear that their helpful customer services team were able to resolve this for you, Susan. Thank you for leaving a review.
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About

Privilege logo

Privilege provides a range of insurance products to all. They pride themselves on being able to offer something to suit everyone and every situation. They care about their customers and help them tailor their policies around their needs.


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Pricing

Quotes our team received

Price Band

£ £ £ £ £

Quotes our team received

Home Insurance Pricing Image One

Details

Covers the contents of your home only

Contents only quote

£66.08

per year

Buildings' cover limit

No limit

Contents' cover limit

£100k

Home Insurance Pricing Image Two

Details

Covers the physical structure of your home as well as the contents

Buildings & contents quote

£217.28

per year

Buildings' cover limit

No limit

Contents' cover limit

£100k

Benefits of Privilege Home Insurance

  • Awarded a 5 Star rating by Defaqto
  • Help online via their virtual assistant
  • Tailor your policy to suit your needs and budget
  • Online customer chat available
Compare home insurance providers to see how Privilege’s home insurance performs against their competitors.

What home insurance policies do Privilege offer?

Privilege offers a standard home insurance policy that is ideal for smaller households. It comes with unlimited buildings cover and you can tailor the policy with a range of additional extras if required. Their standard home insurance policy covers: 
 

Contents insurance

  • Up to £50,000 cover for contents in the home, garden and outbuildings
  • Replacement locks if your keys are lost or stolen
  • New for old cover
  • Up to £500 cover for contents in your garden
  • Unlimited frozen food cover24/7 emergency helpline
 

Buildings insurance

  • Unlimited cover for the cost of rebuilding your home and outbuildings 
  • Alternative accommodation cover if your home becomes uninhabitable due to an insured event
  • Accidental damage to drains, cables and underground pipes
  • Up to £1,000 to trace and access the source of water and oil leaks24/7 emergency helpline
If Privilege’s standard home insurance doesn’t give you as much cover as you’d like, you can choose their platinum policy instead which offers their highest level of cover. Privilege Platinum home insurance is ideal for households with more belongings. 
 

Privilege Platinum contents insurance

  • Up to £100,000 cover for contents in the home, garden and outbuildings
  • Replacement locks if your keys are lost or stolen
  • New for old cover
  • If any part of a damaged matching set can’t be repaired or replaced, they’ll replace the entire set as new
  • Covers cash in your home up to £500
  • Up to £2,500 cover for contents in your garden
  • Unlimited frozen food cover
  • Cover business equipment up to £10,000
  • Contents cover increased by 10% around special events, such as Christmas
  • Up to £3,000 to cover the cost of downloaded media including films and music
  • 24/7 emergency helpline
 

Privilege Platinum buildings insurance

  • Unlimited cover for the cost of rebuilding your home and outbuildings 
  • Alternative accommodation cover if your home becomes uninhabitable due to an insured event
  • Accidental damage to drains, cables and underground pipes
  • If any part of a damaged fixed set, such as a bathroom suite or kitchen, can’t be repaired or replaced, they’ll replace the entire set as new
  • Up to £5,000 to trace and access the source of water and oil leaks24/7 emergency helpline
 
 

What optional extras can I add to my Privilege home insurance policy?

If you want further home insurance you can choose to add any of the following onto your Privilege home insurance policy for an extra cost: 
 
  • Personal possessions - insure your personal belongings at home or away. The following will be covered anywhere in the UK and for up to 60 days anywhere else in the world: 
  • Valuables up to £4,000
  • Accidental loss
  • Accidental damage
  • Theft
  • Money up to £500
  • Bicycles up to £1,000
  • Accidental damage - protect your home and contents with accidental damage insurance:
  • Buildings - covers accidental damage to fixed glass, sanitaryware and accidents such as drilling through a pipe or wall.
  • Contents - covers damage caused by spilling paint on your carpet or furniture, also covers accidental damage to home entertainment equipment.
  •  
  • Home emergency cover - gives you access to a 24/7 emergency helpline for repairs to your home. A reliable and qualified tradesman will be sent to your home to carry out the repairs. Privilege will also cover the costs for callouts, labour and parts up to £500 for emergencies including:
  • Central heating failures
  • Electrical power shortages
  • Front door lock breakages
  •  
  • Family legal protection - provides you with access to a 24/7 helpline and claims service. Be covered for up to £100,000 for legal costs in pursuing claims relating to: 
  • Personal injury claims including accident at work, in public places and clinical negligence
  • Contractual disputes for buying and selling your home
  • Property disputes relating to the ownership or occupation of your home, including boundary and neighbour disputes
  • Employment disputes including redundancy, unfair dismissal and discrimination on the grounds of race, sex or disability

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