Privilege home insurance review

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

Privilege offers two home insurance policies – Home and Platinum cover, which we've reviewed. 

You can buy both online and Privilege policies also appear on price comparison websites.

Please note that this article is for information purposes only and does not constitute advice.

Does Privilege offer the best home insurance?

Here's how Privilege scored in our latest home insurance survey.

• Best Buy for its Platinum policy's contents cover.
  
• 64% buildings score on its standard policy 'Home', 32nd out of the 35 policies compared.
• 52% contents score, or 35th out of the 35 standard providers reviewed.
• We didn't get enough responses to our claimants survey to rate Privilege's customer and claims service.

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Privilege home insurance cover?

We reviewed two Privilege policies. Select a policy from our table to see what it offers and what we scored it.

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‘Stick to the Platinum policy’

Dean Sobers, Which? home insurance expert, says:

Privilege’s standard Home policy fared poorly in our analysis, with its contents policy score of 52% ranking close to the bottom of those we assessed. Its buildings cover – with a score of 64% – was also in the lower fifth of our table.

Among its good points are robust lost and stolen key cover, and cover for subsidence, burst pipes and damage to underground services included as standard. 

Cover for contents while moving home is also provided as standard and damage to contents of an outbuilding (such as a shed or garage) is covered up to the contents sum insured. 

However, cover could be better in a number of areas. For instance, the escape of water excess of £550 is relatively high, and the alternative accommodation cover under the buildings policy – which pays for you to live elsewhere should your home become uninhabitable and require repairs – is only £25,000. Its cover for trace and access (tracking down leaks) of £1,000 is also a bit on the low side.

Home emergency cover

If something happens that requires an immediate repair – even if during out-of-office hours – home emergency cover is provided as an optional extra. 

Privilege’s cover has a callout limit of £500, and covers scenarios such as electric supply failure, broken windows, leaking pipework and drains, removal of vermin and pests, and securing the property after a break in.

Platinum policy

In stark contrast to Privilege's underwhelming standard policy, its Platinum policy landed our Best Buy badge for its contents cover.

In our analysis, it scored 69% for its buildings cover (a little shy of the average – 71%) but was in the top 40% of policies for its contents cover, scoring 73%.

The Platinum policy includes a number of features missing in the standard policy, such as cover for cash in the home, digital downloads, business equipment and guests' belongings. 

How can you save money on Privilege home insurance?

You can buy directly online or Privilege appears on the following comparison sites:

• Compare the Market
• Confused.com
• Go.Compare
• MoneySupermarket

There is no discount if you buy buildings and contents cover together. 

If you switch to Privilege in the middle of your current insurance term and incur a cancellation fee, it will pay up to £55 towards those fee costs.

Want to pay monthly? Privilege charges interest of 10% APR, so you might be better off paying annually on an interest-free credit card.

Above information correct as of August 2025. For more ways to save money when buying insurance, see our guide.

• Visit Privilege directly to find out more about its home insurance policy.
  

How does Privilege compare with other providers?

Privilege's building cover for its standard Home policy scored 64%, just below a standard policy from Hastings Direct, which scored 65%.

As for contents insurance, its standard policy scored 52%. It was just below a standard policy from Swiftcover, and a standard policy from Swinton, which scored 53% and 54% respectively.

How can I claim?

If you need to make a claim with Privilege home insurance, you can claim online or call 0345 246 8534. If you need help with an emergency repair, call 0345 301 6243.

• Find out more: is it worth claiming on your home insurance?

Should you buy Privilege home insurance?

This depends on the policy: Privilege's Platinum policy, a Best Buy, is certainly worth a look.

In contrast, the poor scores of its standard policy means it should be avoided, even if it's appearing among the cheaper quotes in your search.

How we rate home insurance