Privilege Home Insurance

Established in 1994, Privilege provides home cover to people from various walks of life.


Privilege provides two levels of buildings and contents insurance; Standard and Platinum (which has wider cover and higher limits). You can also add a number of optional extras for an additional premium; these are all included in Platinum.


Terms, conditions and limits do apply. So it’s important to check the policy before you buy to make sure the cover’s right for you.



Privilege Home Insurance

Buildings cover with Privilege includes: 

  • Cover for the cost of rebuilding your home and outbuildings
  • Alternative accommodation if your home’s been damaged by something covered under your policy and you can’t live in it
  • Accidental damage cover to underground pipes, cables and drains
  • Cover to find and access the source of water and oil leaks
  • 24-hour emergency helpline

Platinum buildings cover includes all of the above, plus:

  • Cover for accidental damage
  • For any part of a matching fixed bathroom or kitchen suite that is damaged and cannot be repaired or replaced, we’ll replace the entire set as new

Contents cover with Privilege includes:

  • Cover the contents in your home, garage and summer house or shed
  • Replacement locks if your keys are lost or stolen
  • New-for-old cover for household goods
  • Cover for contents in your garden
  • Unlimited frozen food cover
  • 24-hour emergency helpline

Platinum Contents cover includes all of the above, plus:

  • For any part of a matching set or suite that is damaged and can’t be repaired or replaced, they’ll replace the entire set as new
  • Business equipment cover
  • Contents cover increased by 10% around special events, such as Christmas and weddings
  • Downloaded media cover for films and music

Optional extras

You can also add these optional extras to your cover for an additional premium (they’re all included with Platinum):

  • Personal possessions – If you go on holiday or out for the day, the things that you take with you will be covered for loss, theft or damage
  • Accidental damage – Cover if you drill through a pipe or wall (Buildings) or spill paint on the sofa (Contents).
  • Home emergency – If your heating breaks down or you have a blocked drain, call their 24-hour emergency number and a tradesman will be sent out to sort the problem
  • Family legal protection – Help with legal costs in the event of disputes. This could be with a neighbour or for faulty goods or services you’ve bought

Privilege also provides motor insurance. Compare Privilege home insurance today to see how much you could save.

Privilege Insurance is underwritten by UK Insurance Limited.

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