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Privilege car insurance
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How good is Privilege car insurance?
Privilege is a well-established UK insurer backed by the Direct Line Group. Its comprehensive car insurance policies are rated five stars by Defaqto, indicating a high level of cover and features compared to other products on the market.
Privilege focuses on offering straightforward, reliable cover, with optional extras that let you tailor your policy to suit your needs. While it doesn’t publish a claims payout rate or Which? claims score, its consistently high customer ratings suggest many drivers are happy with the service they receive.
What is the Defaqto rating for Privilege car insurance?
Defaqto is a leading independent reviewer of financial products. Both of Privilege's comprehensive policies (Standard and Plus) receive the maximum five-star Defaqto rating for features and benefits.
Privilege Comprehensive Car Insurance
⭐⭐⭐⭐⭐^
Privilege Comprehensive Plus Car Insurance
⭐⭐⭐⭐⭐^
What will a Privilege comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Privilege car insurance policy (standard or plus), the following is included:
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Child Car Seat
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Courtesy Car
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Fire and Theft
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Audio/visual/electronic Equipment Cover
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Damage to other people's cars and property
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Injury to other people
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Lifetime guarantee on approved repairs
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Lost or stolen keys
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Windscreen replacement
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Personal belongings
How much do Privilege car insurance policies cost?
These are the average prices of Privilege car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Privilege
£456^
Fully comprehensive
Privilege Plus
£763^
Fully comprehensive
Privilege
£434^
Third party, fire & theft
What is included in Privilege Comprehensive Car Insurance Plus?
Privilege Insurance offers two levels of comprehensive cover, with its Comprehensive Plus policy adding extra features and higher limits compared to the standard option. With Comprehensive Plus, you get additional cover and built-in benefits, including:
Motor legal cover included as standard
Guaranteed hire car, so you stay mobile if your car is written off or stolen
Higher cover limits for certain parts of your policy
European cover included for driving abroad
Is Privilege Comprehensive Car Insurance Plus worth it?
Upgrading to Privilege Comprehensive Plus may be worth it if you want a higher level of cover and more built-in benefits without relying on add-ons. It could suit you if you:
want extras like motor legal cover and European driving included as standard
would benefit from a guaranteed hire car if your vehicle is written off or stolen
prefer higher cover limits for added peace of mind
Upgrading may be less important if you’re happy with a more basic level of cover, already have separate protection (such as legal cover), or are mainly looking to keep costs down.
Is Privilege the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Privilege car insurance to help you make your decision:
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Pros of Privilege car insurance
Five-star rated comprehensive policies from Defaqto
Strong customer satisfaction, with an ‘Excellent’ Trustpilot rating (around 4.4)
Backed by Direct Line Group, a well-established and financially stable insurer
Comprehensive Plus includes motor legal cover and European driving as standard
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Cons of Privilege car insurance
Higher-tier cover may cost more than more stripped-back insurers
Limited flexibility compared to insurers that offer more modular, build-your-own policies
Some extras only available on the more expensive Comprehensive Plus tier
No publicly stated claims payout rate or Which? claims score
How does Privilege car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Privilege Comprehensive Plus | Aviva Signature | Hastings Direct Premier | Ageas Standard | |
|---|---|---|---|---|
Price | £763^ | £385^ | £440^ | £409^ |
Defaqto rating | ⭐ ⭐ ⭐ ⭐ ⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | N/A | 80%^ | 71% | N/A |
Claims payout rate | N/A | N/A | N/A | N/A |
Uninsured driver promise^ included? | Yes | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | If using approved repairer |
Administration fees^ | Not specified, cheaper online | Free online, £18 if calling in | £35 | Not specified, free online |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is Privilege a good car insurer for young drivers?
Privilege is a well-known UK insurer with strong customer reviews and five-star Defaqto-rated comprehensive policies, which may give young drivers and their parents added reassurance. It offers a black box (telematics) insurance option called DriveXpert, designed specifically for younger drivers.
This could make it a good fit if you’re looking to build experience behind the wheel and potentially reduce costs over time. However, it is not typically the cheapest option for new drivers. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
If you're looking for learner driver insurance or temporary car insurance, it may be better to consider other providers.
Privilege telematics policy cost:
£849^
(Average price across all black box customers.)
How do I contact Privilege?
💡 Top tip: If you bought your Privilege car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Web chat
You can reach the Privilege virtual assistant, which can answer your questions or put you in touch with an agent. It's available 24/7.
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By phone
Contact the Privilege customer service team on 0345 246 2261 - opening hours are Monday-Frida - 8am-9pm, Saturday & Bank holidays - 9am-5pm, and Sunday - 9am-4pm.
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WhatsApp
You can also reach the Privilege team via WhatsApp on +44 345 3010 648 - where you'll also be able to make policy changes. Help is available 24/7.
How do I make a claim with Privilege?
If you need to make a claim on your Privilege car insurance policy, contact Privilege as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Privilege claims line:
0345 246 2261
You can make a claim online at any time, but claim phone lines are open during the following hours:
Monday - Friday: 8am-9pm
Saturday & Bank holidays: 9am-5pm
Sunday: 10am-4pm
Can I cancel my Privilege car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Privilege directly. You cannot cancel via MoneySuperMarket.
You can cancel your Privilege car insurance online via their website.
Can I cancel my Privilege car insurance at any time?
Yes, you can cancel your Privilege car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does Privilege charge fees for cancelling car insurance?
Yes, Privilege charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: No charge
Within the first 14 days of the policy starting: No charge
More than 14 days after the policy starts: Undisclosed admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my Privilege car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does the Privilege sell?
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare Privilege car insurance against policies from up to 195
Is it cheaper to buy Privilege car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Privilege compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare Privilege policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Privilege car insurance policy?
If you bought your Privilege car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your Privilege car insurance policy on the Privilege customer portal by logging into your account.
Will I be charged if I make a change to my Privilege car insurance?
Yes, Privilege charges an unspecified administration fee for changes you make to your car insurance via your online account, such as changing your address or adding extra drivers. Your premium may also go up or down depending on the change.
Can I add other drivers to my Privilege car insurance policy?
Yes, you can add named drivers to your Privilege car insurance. To add a driver to your Privilege car insurance policy, log into your Privilege online account and go to the policy overview page.
Adding extra drivers to your Privilege car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Privilege car insurance include breakdown cover?
Privilege car insurance policies do not include breakdown cover as standard, but it can be purchased as an optional add-on for an extra fee - Privilege's breakdown service is provided by Green Flag.
You can also buy breakdown cover from a different provider if you have Zenith car insurance.
How do I renew my Privilege car insurance policy?
Most Privilege car insurance policies will be set up for auto-renewal. This means that after your existing contract ends Privilege will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Privilege must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Privilege cover to auto-renew, you need to inform Privilege before your policy end date. You can do this through your Privilege account.
Before letting your Privilege policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Privilege car insurance in monthly instalments?
Yes, you can pay for your Privilege car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is Privilege?
Privilege Insurance is a UK-based insurer founded in the 1990s and part of the Direct Line Group. It focuses on straightforward car and home insurance, alongside breakdown cover offered by Green Flah.
Privilege is designed to offer reliable, feature-rich policies without unnecessary complexity, with options to upgrade cover through higher-tier policies.
Who underwrites Privilege insurance?
Privilege car insurance policies are underwritten by UK Insurance Limited, which is part of Direct Line Group.
This means Privilege is not a broker or intermediary - it’s a brand within a larger insurance group that directly provides and underwrites its own policies.
Because of this setup:
The same company handles both your policy and any claims
There’s no panel of insurers involved
The claims experience is generally more consistent
This is slightly different from insurers that use multiple underwriters, and can make things more straightforward when managing your policy or making a claim.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 26 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Accurate as of 25 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Privilege may have different ratings. Data from the Defaqto website. Data from March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Privilege may have different ratings. Data from the Defaqto website. Data from March 2026.
