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17 Sept 2026

Privilege home insurance review

Privilege offers above-average premium cover

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

The word "Privilege" is displayed in large, bold white letters on a deep purple background.

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We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does Privilege offer the best home insurance?
What does Privilege home insurance cover?
‘Above-average premium cover’
How good is Privilege at handling claims?
How can you save money on Privilege home insurance?
How does Privilege compare with other providers?
Privilege home insurance: How can you claim?
Should you buy Privilege home insurance?

Privilege offers two home insurance policies – Home and Platinum cover. We've reviewed both.

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

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.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does Privilege offer the best home insurance?

Privilege

Its Platinum policy's contents cover was among the top 40% of policies reviewed.

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Policies

Platinum (buildings)72%
Platinum (contents)73%
Home (buildings)69%
Home (contents)60%

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

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Privilege Platinum

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Buildings - Alternative accommodation	£50,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£550
Home emergency cover limit	£500
Home emergency - central heating/boiler repair	£500
Buildings - Groundwater flooding	Included
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£4,000
Contents - Alternative accommodation	£30,000
Contents - Accidental damage	Full cover included
Contents - Guests' belongings	Not covered	0 out of 5
Contents - Theft of contents in the open	£2,500
Contents - Damage to contents in the open	£2,500
Contents - Theft from outbuilding	£5,000
Contents - Damage to contents in an outbuilding	Up to sum insured
Contents - Personal possessions cover single item limit	£4,000

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

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‘Above-average premium cover’

Dean Sobers, Which? home insurance expert, says:

Privilege’s Platinum policy scored 72% for its buildings cover and 73% for its contents cover – compared with averages of 71% and 67%, respectively.

But while it was close to landing a Best Buy for its contents cover, its underwriter’s claims acceptance rates took this off the table.

There were still features that we liked, though. These included legal protection and accidental damage being automatically included. Both are usually optional add-ons.

Areas where it was beaten by other policies included a high escape of water excess of £550. It also doesn’t cover sewage pipe blockages.

Home emergency cover

If something happens that requires an immediate repair, home emergency cover is included as standard, even during out-of-office hours.

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.

Home insurance policy

In contrast to its Platinum policy, Privilege's standard Home insurance offering had below-average scores – 69% for buildings cover and 60% for contents cover.

Elements that Platinum included were missing from the standard policy such as cover for cash in the home, digital downloads and business equipment.

How good is Privilege at handling claims?

Privilege's underwriter UK Insurance Limited accepted 60-65% of claims on buildings-only policies – in line with the industry average of 63%. Some 10-15% of claimants with this type of policy lodged a complaint, which was around average (13%).

Meanwhile, the underwriter accepted 60-65% of claims on contents-only policies – slightly below the average of 71%. Some 5-10% of claimants complained, which is in line with the 7% average.

When it came to claims on combined policies, the underwriter accepted 70-75% of claims, which is in line with the 71% average. Some 15-20% of claimants complained – above the 12% industry average.

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's not a fixed discount but you may be able to get a cheaper price if you buy buildings and contents cover together.

Want to pay monthly? Privilege charges interest of 8% APR, so you might be better off paying annually on an interest-free credit card.

Above information correct as of August 2026. 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?

While we did not have enough customer feedback to calculate a customer satisfaction score for Privilege, its standard Home buildings policy scored 69% and ranks joint 21st in our standard buildings cover table. Standard policies from Lemonade and Sagic earned the same score.

As for contents insurance, its standard policy scored 60% – the same as standard contents policies from Esure and Sheilas' Wheels – and sits in joint 29th place among standard policies.

Privilege home insurance: How can you 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?

Possibly. The Platinum policy did well in our analysis, particularly its contents cover, but we’re not convinced that it delivers on its promise in practice.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (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).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).