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07 Jul 2023

Privilege home insurance review

Find out how we rate its policies against other providers

Lanna RosgenMarket analyst

In this article

What does Privilege offer?
Does Privilege offer the best home insurance?
How good is Privilege's home insurance policy?
How can you save money on Privilege home insurance?
How can I claim?

What does Privilege offer?

We have reviewed Privilege's two home insurance policies, 'Home Insurance' and 'Platinum Home Insurance'.

The standard 'Home Insurance' policy covers lost and stolen keys, burst pipes, subsidence, damage to underground services and some accidental damage. You can optionally add cover for legal protection, full accidental damage, home emergency, bicycles and personal possessions away from the home.

Established in 1994, Privilege specialises in selling car and home insurance over the phone and the internet. It is part of the Direct Line Group, which includes insurance providers Direct Line and Churchill, and is underwritten by UK Insurance.

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Does Privilege offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.

If you're not already a member, join Which? and get full access to these results and all our reviews.

We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

How good is Privilege's home insurance policy?

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How can you save money on Privilege home insurance?

You can get a quote from Privilege on price comparison websites, or by contacting them directly by phoning or visiting their website.

Privilege offers a discount for taking out both buildings and contents policies and will reimburse you up to £55 if your existing provider charges a cancellation fee.