Privilege 1

Privilege Insurance is part of the Direct Line Group and was formed in 1994. Since 2004 they have focused on providing car insurance to careful drivers who have more than four years no claims bonus. Privilege also provide home insurance and policies can be taken out online or over the phone.

Privilege offer two levels of home insurance and are currently offering 10% discount to customers who also have Privilege car insurance. Privilege standard cover offers the usual buildings and contents cover with a range of optional extras. You can select contents cover up to £100,000 for cover in the home, garage and shed, and up to £1000 for garden contents. As standard you also recieve key cover meaning you will get replacement keys if yours are lost or stolen.

Standard buildings cover is up to £1,000,000 and Privilege offer alternative accomodation should your home be uninhabitable following an ‘insured event’. Privilege buildings cover provides accidental damage cover to cables, underground pipes and drains and up to £5,000 to find and access the source of water and oil leaks.

Optional extras that you can add to your home insurance policy include Personal Possessions, Accidental Damage, Home Emergency and Family Legal Protection.

Privilege Platinum Home Insurance offers all of the above as standard including the optional extars but with a higher level of cover. Garden equipment cover is increased to £2500 and rebuilding cover is unlimited. Platinium cover also has a great range of extras that are included as standard:

  • £1000 Bicycle Cover
  • Matching Set Replacement
  • £1000 Cash in the home
  • Business equipment up to £10,000
  • Contents cover increased by 10% around special events such as weddings or Christmas
  • £3000 of downloaded media cover
  • £10,000 water leaks cover
  • Entire replacement of a fixed kitchen or bedroom if a matching item is damaged



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  • Jayne Pickard

    Value For Money


    Customer Service


    Claims Hnadling


    My friend generously added me to her car insurance and last week I was reversing out of a disabled car parking place when the passenger side front wing caught bollards and badly dented it. She was great about it, accidents happen, but her insurers, Privelege, have cut her 9 years NCB to 2 years! I feel awful about it. They rang me yesterday and expected me to know all of my friends personal details, asked my date of birth, but nothing about the accident! The foreign sounding woman didn’t speak English very well and didn’t explain why she had rung me. Terrible.