Privilege car insurance

Find out about Privilege car insurance

Privilege car insurance logo

Last reviewed 23 August 2022

Why choose Privilege car insurance?

  • Choose from different levels of cover
  • Optional breakdown cover from Green Flag
  • Get a courtesy car if yours is being repaired at one of its approved repairers following an accident

Privilege, which is owned by the Direct Line Group, has over 25 years of experience in the insurance industry. Privilege’s policies are aimed at customers that usually buy through price comparison websites and want a quick, efficient service at the best possible price.

The company is keen to stress it offers car insurance to people from all walks of life. It also claims to have been picked by more than 600,000 people in 2020.

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Who is Privilege?

Privilege has been providing home and car insurance since 1994. It’s a recognisable name and is known for using celebrities in its advertising campaigns. Actors Joanna Lumley and Nigel Havers famously appeared in adverts for the insurer as part of a celebrity-led campaign by agency M&C Saatchi that launched in 2004.

Policies are underwritten by UK Insurance Limited (UKI), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA). Its registered office is in Leeds, West Yorkshire.

Privilege car insurance policy details

Privilege offers Third-party, fire and theft policies, as well as comprehensive cover.

Third-party, fire and theft policies mean if you accidentally damage someone else’s car or property while driving, injure someone in an accident, or your own car is stolen or damaged by fire, you’ll be covered. Privilege will also give you a courtesy car if yours is being fixed by one of its approved repairers.

Comprehensive policies include a list of benefits as standard, including:

  • A courtesy car if your car’s being fixed by one of Privilege’s approved dealers, they’ll give you a car to use while it’s being repaired.
    Uninsured driver promise, meaning if an uninsured driver hits your car – and it’s confirmed not to be your fault – the policy will protect your no-claims bonus (NCB) and cover your excess. 
  • Guaranteed repairs by one of Privilege’s approved dealers for five years.
  • Personal accident cover. You, and your spouse/partner, will be insured up to £5,000.
  • Foreign use cover gives you comprehensive insurance for up to 90 days when you use your car abroad. You’ll need to pay extra to add this but it covers EU countries, Jersey, Guernsey and The Isle of Man

Privilege offers several optional extras to add to your policy, including:

  • Protected no-claims bonus (NCB). If you have 4 or more years of no-claims then you can qualify for protected NCB. This means that even if you make a claim, your NCB won’t be affected. Without this protection, any fault claim will impact your NCB. However, it’s worth noting that NCB protection doesn’t safeguard the price of your insurance policy. It may still rise following an accident, even if you weren’t at fault.
  • Green Flag breakdown cover can be added. Green Flag are available 24 hours-a-day, 365 days-a-year. It doesn’t matter who is behind the wheel – or even if you’re in the car at the time. There are various levels of cover – and no limit to how many times you can call for help - so long as they’re for different problems.

Privilege also offer Comprehensive Plus policies – subject to availability. These plans have higher limits and a few added extras included as standard.

  • Guaranteed hire car plus which means if your car is being fixed by an approved repairer, you’ll receive a hire car of similar physical size to your own that you can drive until your vehicle is ready.
  • Personal accident cover protects you and your spouse/partner up to £10,000.
  • Motor legal cover means privilege will cover legal costs up to £100,000 to help you claim for repairs, loss of earnings and personal injury following an accident that wasn’t your fault. There must be more than a 50% chance of your claim being successful.
  • Automatic foreign use automatically gives you comprehensive insurance for up to 90 days when you use your car abroad. There’s no need to tell Privilege first.
  • Uninsured driver promise. As with the standard comprehensive policy, if an uninsured driver hits your car – and it’s confirmed not to be your fault – the policy will protect your claim-free years and cover your excess. 
  • DriveXpert is also available if you’re under 26-years-old and have passed your driving test. It means you could be eligible for a discount on your premium through DriveXpert. This is the company’s telematics insurance that’s aimed at young drivers. It offers an upfront discount, while safe drivers can save money when it comes to renewal time. The system works using the DriveXpert app that’s downloaded on the policyholder’s smartphone. There is no need to plug a so-called ‘black box’ into your car.

Privilege offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

Contact Privilege

You can contact Privilege by phone using 0345 878 5222.

Opening hours:
Monday to Friday: 8am to 9pm.
Saturday: 9am to 5pm
Sunday: 9am to 4pm

If you need emergency vehicle recovery then call 0345 878 5222.

You can also contact Privilege on Twitter. Or use the virtual assistant on the company’s website to answer any queries.


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