Privilege Reviews

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

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7.4 /10

Based on 4029 reviews

#7 of 10 contents insurers

Sentiment Score: 1.5/10
4029 reviews found on websites such as TrustPilot
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

Price Band

£ £ £ £ £

Good for

Rated 5 stars by Defaqto
No limit to buildings' cover

84% of consumers read reviews before purchasing

*Based on an independent survey of 1000 people by Compare By Review

Julia Vidania

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 7 Nov 2023

Shocking

I had a huge leak, phoned the insurance, never heard back from them. I've been left on my own, picking up bills of hundreds of pounds which they then refuse to reimburse. It would've been much cheape…

Recieved a response over 5 days after their claim was submitted
Claim is still unresolved
Was neither happy or unhappy with their experience when they spoke to someone

Julia

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 31 Oct 2023

I Have An Emergency And Left On My Own

I have a leak under the floor. This is confirmed by 3 engineers so far. Provilege has refused to send a plumber to locate the source of the leak, arguing they haven't got confirmation i have one,even…

Recieved a response over 5 days after their claim was submitted
Claim is still unresolved
Was neither happy or unhappy with their experience when they spoke to someone

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Quotes our team received

Details

Covers the contents of your home only

Contents Only Quote

£66.08

Per Year

Contents' Cover Limit

£100k

Voluntary Excess

£250

Details

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

Buildings & Contents Quote

£217.28

Per Year

Contents' Cover Limit

£100k

Voluntary Excess

£250

Get a Quote

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

Frequently asked Questions

Privilege offers Buildings insurance, Contents insurance and Buildings and Contents insurance combined. There are then two levels to choose from. Their standard Home Insurance policy is ideal for smaller households who want to be able to tailor their policy to suit their needs and budget. Their Platinum policy is perfect for larger households with more belongings. It has a higher level of cover and also includes additional benefits.

Privilege has an array of optional extras you can bolster your policy with. All of the below are included as standard in their Platinum cover level. Personal possession protection covers your belongings outside of the home, for example, your phone, tablet, jewellery etc. Accidental damage cover protects your home and it’s contents from accidental damage. Home emergency cover allows you access to their 24hr emergency service line dedicated to helping you when your home has been damaged unexpectedly such as flooding, or if there has been damage to a boiler or electrics. Lastly, family legal protection gives you a 24/7 helpline and service to help with issues regarding legal matters such as personal injury, contractual and employment disputes.

Yes, Privilege has a dedicated emergency helpline open 24hrs a day.

Contents Insurance Guides

Check out our insurance guides for more information