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What types of home insurance can I get with Privilege?
Privilege offers buildings and contents insurance across two level of cover; standard and platinum. Here is what is included in each policy:
Type of cover | Standard | Platinum |
|---|---|---|
Contents | £50,000 - £175,000 | £50,000 - £175,000 |
Replace locks if keys are stolen | Yes | Yes |
New for old items | Yes | Yes |
Contents outside within boundary of your home | Up to £500 | Up to £2,500 |
Frozen food cover | Unlimited | Unlimited |
Alternative accommodation cover | Yes | Yes |
Personal liability | Up to £2,000,000 | Up to £2,000,000 |
24-hour emergency helpline | Yes | Yes |
Replacing matching sets or suites | No | Yes |
Business equipment | No | Up to £10,000 |
Download media cover | No | Up to £3,000 |
Cash cover in your home | No | £500 |
Accidental damage cover | No | Yes |
Family legal protection | No | Up to £100,000 |
Home emergency cover | No | Up to £500 per claim |
10% increase cover around special events e.g. Christmas or a wedding | No | Yes |
Buildings insurance | Standard | Platinum |
|---|---|---|
Cost of rebuilding your home | Unlimited | Unlimited |
Alternative accommodation | Yes | Yes |
Accidental damage cover to underground drains, pipes and tanks | Yes | Yes |
Water and oil leaks | Up to £1,000 | Up to £5,000 |
Accurate as of July 2024
Can I cancel my Privilege insurance and switch providers?
Yes, you can cancel your Privilege home insurance at any time. However, you might be charged a cancellation fee if you're cancelling the middle of your policy term. Here are some instances where you may want to cancel:
If your policy is coming up for renewal: if you decide you don't want to continue your policy, contact Privilege and cancel before your renewal date and you won't pay extra charges
If you have just taken out a policy: all home insurance policies come with a 14 day cooling off period, so if you cancel or switch providers within this timeframe then you will not be charged
If your policy has auto-renewed at a higher rate: Privilege should inform you when your policy is coming up for renewal, but if your policy has auto-renewed at a rate you're comfortable paying, contact them as soon as possible and they might cancel your policy without charging an admin fee
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What add-ons can I get with Privilege?
Here are some add-ons that you can add to your Privilege home insurance policy:
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Accidental damage
Covers you for DIY accidents, damage caused by children, spillages, and costs of repairing or replacing items
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Personal possessions
Cover for your possessions when you take them away from home, including incidents like losing your tablet on a plane or leaving your phone on a train
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Home emergency cover
Home emergency cover including a 24 hour helpline offering support for issues with your boiler, plumbing problems, and security cover e.g. if your window is smashed
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Family legal protection
Family legal protection includes a telephone support line and legal cover for expenses and disputes relating to your home
Why compare home insurance quotes with MoneySuperMarket?
Whatever cover you’re looking for, the easiest way to find the best policy is by comparing quotes online. You can compare policies in one simple search on MoneySuperMarket.
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Save money and earn rewards
Avoid auto-renewing and compare tailored quotes for free to find the cheapest insurance for you. Buy through us and get unlimited access to free days out (on our app) and much more with SuperSaveClub.
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Comparing quotes remains one of the best ways to save money and time. Storing your details allows you to refresh your quotes in seconds.
Who underwrites Privilege insurance?
Privilege home insurance policies are underwritten by UK Insurance Limited.
What do defaqto star ratings mean?
Defaqto star ratings offer consumers the confidence to choose the right financial products by providing a trusted rating for insurance policies.
Can I pay Privilege in monthly instalments?
Yes, you can choose to pay for your Privilege home insurance policy in monthly instalments via Direct Debit, or annually in one payment.
Do Privilege cover subsidence?
Your buildings insurance will cover your property for both house subsidence and heave, but your Privilege policy will not pay for loss or damage caused by subsidence, heave or landslip that results from escaping water.
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Reviewed on 10 Dec 2025