Home emergency cover
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Standard: Optional add-on
Platinum: Included
Privilege home insurance
Compare Privilege home insurance quotes.
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How good is Privilege home insurance?
Privilege is part of the Direct Line Group and offers home and car insurance, and it scores 4.4 out of 5 on Trustpilot from more than 9,000 reviews, giving it an ‘Excellent’ rating. You can choose buildings cover, contents cover or a combined policy, with standard and Platinum options available - privilege offers discounts when insuring multiple cars at the same address.
Privilege policies are underwritten by U K Insurance Limited. According to the FCA data, it accepted 70-75[2]% of buildings claims and 70-75%[2] of contents claims during 2024.
Is Privilege home insurance highly rated?
Policy Expert's highest-tier contents and buildings policies (Home Insurance Platinum) receive a four-star Defaqto rating for features and benefits, while its standard buildings and contents policies receive three stars. Defaqto is a leading independent reviewer of financial products.
Does Privilege offer contents insurance?
Yes, Privilege offers standalone contents insurance or combined buildings and contents cover, with Standard and Platinum policies available. Standard policies let you choose between £50,000 and £175,000 of contents cover, including new-for-old replacements, stolen-key cover, unlimited frozen food cover and up to £500 for belongings kept outside within your property.
Platinum includes wider protection, such as accidental damage, family legal protection, home emergency cover and higher limits for belongings outside the home. You can also add personal possessions cover for items taken away from home, including phones, bicycles and money.
What will a Privilege home insurance policy cover me for?
All Privilege contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
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Theft and attempted theft
Stolen items and break-in damage
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Subsidence
Ground movement causing structural damage
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Fire
Fire, smoke, lightning and explosion damage
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Alternative accommodation
Temporary housing if your home can't be lived in
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Locks and keys
Replacement locks for lost or stolen keys
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Storms and floods
Wind, rain, snow and flood damage
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Liability cover
If you are responsible for a third party injury or property damage
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Trace and Access
Finding the cause of escaped water and fixing resulting damage
What extras can I add to my Privilege home insurance?
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Legal protection
Covers legal costs for issues like conveyancing, probate, and disputes with neighbours.
Standard: Optional add-on
Platinum: Included
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Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
Standard: Optional add-on
Platinum: Included
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Personal possessions
Protects individual belongings like laptops, phones, or jewellery when you take them outside your home.
Standard: Optional add-on
Platinum: Included
What is included in Privilege Platinum Home Insurance?
Privilege Platinum includes everything provided by its standard Home Insurance policy, alongside several enhanced benefits. For contents insurance, these include accidental damage, family legal protection worth up to £100,000 and home emergency cover worth up to £500 per claim.
Platinum also increases several contents limits. Belongings kept within the boundaries of your property are covered up to £2,500, while personal possessions cover is included for items taken outside the home - individual items can be covered up to £4,000, bicycles up to £1,000 and money up to £500.
Buildings customers receive accidental damage cover, legal protection and home emergency insurance too. Platinum also provides up to £5,000 to locate and access the source of a water or oil leak, and can replace an entire matching bathroom or kitchen suite when a damaged part can’t be matched.
Is Privilege Platinum Home Insurance worth it?
Privilege Platinum could be worth considering when you would otherwise pay separately for accidental damage, legal protection, home emergency and personal possessions cover. It may be particularly useful when you regularly take valuable belongings outside your home, as Platinum includes personal possessions cover and provides higher limits for individual items, bicycles and cash. Homeowners with matching kitchens or bathroom suites may also value the additional protection if one damaged part can’t be replaced.
However, Platinum won’t necessarily be the best-value choice for every household. Compare the difference in premium with the cost of adding only the protection you need, and check the excesses, exclusions and item limits carefully - the standard policy may be enough if you have lower-value belongings and don’t need extensive accidental damage or away-from-home cover.
Is Privilege the best company to insure my home with?
Which home insurer is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Privilege home insurance to help you make your decision:
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Pros of Privilege home insurance
Platinum contents cover received a Which? Best Buy rating with a contents policy score of 73%[5], placing it within the top 40% of policies assessed
U K Insurance accepted 75-80%[2] of combined home claims in 2024, while buildings-only and contents-only acceptance rates were both 70-75[2]
Full accidental damage, personal possessions, family legal protection and home emergency cover are included as standard with the Platinum policy
Platinum includes a £4,000 single-item limit, £1,000 bicycle cover and protection for belongings during trips of up to 60 days abroad
Cover for subsidence, burst pipes, underground services and lost or stolen keys is included as standard
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Cons of Privilege home insurance
Which? gave the standard contents policy a score of 52%[6], placing it last among the 35 policies assessed.
There is a £1,000 trace-and-access limit and only £25,000 of buildings alternative accommodation cover
There is also an escape-of-water excess of £550 on the Platinum policy
Privilege doesn’t offer a specific saving for buying both types of home insurance together.
Which? didn’t receive enough responses to give Privilege a customer or claims-handling score, despite being able to assess the policies themselves
How does Privilege home insurance compare to other home insurance policies?
Data below is for standard combined buildings and contents home insurance policies. Ratings and inclusions may be different for individual policy types and for higher-tier policies with more features and inclusions.
Privilege Standard | Churchill Home | Hastings Direct | Aviva | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[7] | N/A | 67%[6] | 53%[6] | 70%[6] |
Claims payout rate[2] | 75-80%[2] | 80-85%[2] | 65-70%[2] | 70-75%[2] |
Single item limit | £2,000 | £2,000 | £1,500 | £2,000 |
Office equipment covered? | No | Yes | Yes | Yes |
Administration fees | Unspecified fees for changing and cancelling your policy | No fee to change Cancellation fee not specified | £20 for certain changes, others are free £35 to cancel | £0 to change policy online £29 to cancel |
Further information |
How do I contact Privilege?
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Online Portal
You can use the online portal to:
Make changes to your policy
View policy documents
Change payment details
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Phone
The customer service number is: 0345 246 0519. Opening hours:
Mon-Fri: 8am-8pm
Sat: 9am-5pm
Sun: 9am-4pm -
Live Chat
You can also reach the customer service team by live chat on its website. Opening hours:
Mon to Fri: 8am to 9pm
Saturday: 9am to 5pm
Sunday: 9am to 4pm -
WhatsApp
Finally you can send the customer service team a message any time via WhatsApp, as well as make several policy changes.
How do I make a home insurance claim with Privilege?
If you need to make a claim on your Privilege home 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), and evidence of the damage. This could include photos, videos, receipts, repair estimates or, if a crime was involved, a crime reference number from the police.
Privilege claims line:
0345 246 8534
You can reach the Privilege claims team by phone, Monday to Friday 9am-8pm, Saturdays 9am-5pm, and Bank Holidays 9am-5pm.
You can also make a claim online through your account.
How do I cancel my Privilege home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Privilege home insurance by phone - the number is 0345 246 8534.
I'm coming up for renewal
You can tell Privilege at any point up until your renewal date that you do not wish to renew your policy.
There is no charge for not renewing.
I've just taken out a policy
If you cancel your Privilege home insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Privilege will charge you an unspecified admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Privilege will charge you an unspecified admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your Privilege home insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Privilege will charge you an unspecified admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Privilege will charge you an unspecified admin fee, which will be taken out of your refund.
What other products does Privilege sell?
Alongside home insurance, Privilege offers a number of other insurance and money products:
Who underwrites Privilege Insurance?
Privilege home insurance is underwritten by U K Insurance Limited, which is also responsible for handling the policy and paying accepted claims.
Can I pay Privilege home insurance in monthly instalments?
Yes, Privilege allows customers to pay in instalments under a credit agreement, as well as paying the premium as a lump sum. Check your quote and credit agreement for the payment schedule and total amount repayable, as cancelling the Direct Debit alone won’t automatically cancel the insurance policy.
Does Privilege home insurance cover subsidence?
Yes, both Privilege Home Insurance and Platinum Home Insurance cover subsidence, heave and landslip. Outdoor features such as patios, drives, garden walls, gates, fences and hedges are only covered when the main home is damaged at the same time and by the same cause.
Normal settlement, newly made-up ground, coastal erosion and damage connected with structural alterations are excluded.
Does Privilege home insurance cover home emergency and boiler breakdowns?
Home emergency cover is optional with the standard policy and included with Platinum. It provides up to £500 for each emergency callout, including labour and parts, and covers incidents involving heating failure, plumbing, drainage, electrics, security and pests.
If a boiler is beyond economic repair, Privilege contributes £250 towards a replacement, rather than paying the full cost. Underfloor, solar and warm-air heating, oil-fired or solid-fuel systems and boilers with an output above 70kW aren’t covered, while a 14-day waiting period usually applies when cover begins.
Does Privilege home insurance cover belongings away from home?
Personal possessions cover is optional with standard Home Insurance and included with Platinum when contents insurance is selected. Both provide cover in the UK and Republic of Ireland, plus overseas protection for trips lasting up to 60 days.
Standard cover has a £2,000 single-item limit, £500 per bicycle and £250 for money. Platinum raises these limits to £4,000 per item, £1,000 per bicycle and £500 for money, although higher-value belongings can usually be listed separately.
Does Privilege home insurance cover gardens and outbuildings?
Yes, but the limits depend on your policy. Standard contents insurance provides up to £500 for belongings outside and £1,000 for theft from garages or outbuildings, while Platinum increases these limits to £2,500 and £5,000 respectively.
Platinum also includes up to £2,500 for garden plants, with a £500 limit for each plant. Garages and domestic outbuildings form part of the insured home, although storm or flood damage to fences, gates and hedges isn’t covered.
What is the Privilege home insurance excess?
Privilege doesn’t publish one standard excess for every policy. Your home insurance details show the general property excess, alongside any separate excesses for subsidence, escape of water and flood claims.
Privilege normally deducts one excess for each claim, unless an endorsement in your policy states otherwise. Because the amounts are set when you receive a quote, check the policy details rather than assuming the excess will be the same as another customer’s.
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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.
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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 home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home 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 home insurance eligible for Price Promise?
Yes, home 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 £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 16 Sep 2026 by
Sources and supporting information
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[1]
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).
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[2]
Source: Financial Conduct Authority (FCA), 2025. 'General insurance value measures data 2024' https://www.fca.org.uk/data/general-insurance-value-measures-data-2024#revisions
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[3]
Defaqto is a leading independent reviewer of financial products. Three stars is for 'A standard product providing an average level of features and benefits '.
Individual insurance products from Privilege may have different ratings. Data from the Defaqto website. Data from June 2026.
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[4]
Defaqto is a leading independent reviewer of financial products. Four stars is for 'A product with a good level of features and benefits'.
Individual insurance products from Privilege may have different ratings. Data from the Defaqto website. Data from June 2026.
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[5]
Source: Which?, 2025, Privilege home insurance, https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/privilege-home-insurance-review-aqNuN7W4NPUO#:~:text=In%20our%20analysis%2C%20it%20scored%2069%25%20for%20its%20buildings%20cover%20(a%20little%20shy%20of%20the%20average%20%E2%80%93%2071%25)%20but%20was%20in%20the%20top%2040%25%20of%20policies%20for%20its%20contents%20cover%2C%20scoring%2073%25.
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[6]
Source: Which?, 2025, Best UK home insurance policies and providers compared?, https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ
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[7]
The independent review site Which? has created claims scores for 35 leading home insurers based on interviews with 2,804 members of the public who had made an insurance claim in the last two years. Claim scores are based on how satisfied these claimants were with their provider and how likely they would be to recommend them in the future. You can see more on the Which? website: https://www.which.co.uk/money/insurance/home-and-mobile-insurance
