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Privilege Home Insurance

Find out what’s included in Privilege home insurance policies

By Anita Shargall
published: 09 December 2016
Read time: 5 minutes

Privilege offers Standard and Platinum policies. Read more on which type of cover is right for you.

Who are Privilege?

Privilege have provided insurance since 1994. They are a division of the Direct Line Group and their policies are underwritten by UK Insurance Limited.

Over 600,000 people are covered by Privilege, which prides itself on offering home insurance to people from lots of different walks of life.

There is access to a 24-hour emergency helpline if your home cannot be lived in due to damage caused by fire, flood or escape of water, or if your property needs securing because locks have been damaged following a burglary.

Privilege offer combined contents and building insurance, with the option of two different levels of cover. You can buy buildings or contents cover separately.

Terraced house street

Why choose Privilege

  • You can manage your policy online.

  • Combined contents-building insurance options.

  • Two levels of cover offered – Standard and Platinum.

  • Up to £1m or unlimited buildings cover depending on the policy you choose.

What you should know

  • You can pay online for your home insurance.

  • You can add family legal protection, personal possessions, accidental damage and home emergency cover if desired.

  • In some sections of your policy you can pay a higher voluntary excess in return for a reduction in premium. 

Contact Privilege

0345 246 8534

8am - 9pm Monday to Friday

9am - 5pm Saturday

10am - 5pm Sunday

Finding the right cover

Think carefully about exactly how much cover you will need before buying home insurance, and remember that the amount of buildings cover you need should be based on the re-build cost of your home and not your property’s market value.

Always compare the cost of cover from several different insurers before buying to ensure you don’t pay more than you need to.

Remember that you will need to make sure your home is properly secured, or insurers won’t pay out if it’s proved you’ve been careless. There are lots of useful tips here on how to boost your home security.

Why it pays to shop around

Never just accept the renewal quote offered by your provider. You might be able to cut the cost of your premiums by switching to a different insurer. It’s therefore a good idea to compare lots of different policies before buying to ensure you’ve found the right deal to suit your needs at the right price. You can use our home insurance channel to find a policy.

Where to next?

Home insurance glossary

Home security and money-saving tips

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