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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 1394 reviews
#7 of 10 buildings insurers
  • Sentiment Score: 2.7/10
  • 1394 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
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85% of consumers read reviews before purchasing
Filter by:
  • All (4),
  • Claims (1),
  • Service (1),
  • Sales (0),
  • Renewal (2)
Mr Mrs Major
Cover Purchased
i Reviewed without invitation
Reviewed the Service experience on 1 Oct 2022

Lack Of Communication ,No Responce

Water leak ,so no water ,no heating ,no toilet etc. All call handlers expressed how sorry they are but no plumber ! Absolutely hopeless. ,do not use them So called platinum service,
  • Recieved a response the same day their service query was submitted
  • Was neither happy or unhappy with their experience when they spoke to someone
Mr P Ashbourne
Cover Purchased
i Reviewed without invitation
Reviewed the Renewals experience on 5 Apr 2022

Renewal Process - Unethical Process

I received an email from Privilege stating that my documents were available by logging into my account. The covering email did not state that this was a renewal quotation, so I found no reason to log…
  • Renew premium increased by more than 15% compared to the previous year
  • Does not feel that Privilege still offers value for money
  • Was neither happy or unhappy with their experience when they spoke to someone
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Quotes our team received

Home Insurance Pricing Image One

Details

Covers the contents of your home only

Contents Only Quote

£188.16
Per Year

Buildings' Cover Limit

No limit

Voluntary Excess

£250
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

Voluntary Excess

£250

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

FAQ Icon

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.

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