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Privilege car insurance

Privilege car insurance

Since 1994, Privilege have provided car insurance to cover a variety of needs. Their comprehensive plus policies include a range of extras, like a guaranteed hire car service. Their policies also have some optional extras, so you can tailor your policy to fit your needs.

We offer quotes from Privilege and 169¹ insurers. Privilege car insurance isn't for everyone though, and you might not always see a quote from them when you compare. It'll all depend on your personal circumstances.

If you think you're ready to compare car insurance quotes, click to get a quote. Or if you're keen to find out more, read on below.

¹Correct as of June 2025

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Privilege customers say:

"Good insurance cover at a reasonable price and easy to set up the policy."

Kevin - (February 2025)

Great

4.2 rating based on 6976 reviews
as of 20/02/2025

Why choose Privilege car insurance?

Privilege car insurance has been providing flexible policy options since 1994, with a range of benefits as standard.
Privilege boast a 4.2 star Trustpilot rating.
Some of their optional extras include no-claims discount protection, and guaranteed repairs.

Who is Privilege car insurance?

Privilege was founded in 1994 and is based in Bromley. The insurance company are part of the Direct Line Group, underwritten by UK Insurance Limited. As well as car insurance, they also offer Standard and Platinum home insurance policies.

Their policies give cover to people from all different backgrounds. Last year, over 600,000 people were covered by Privilege insurance.

Privilege car insurance policy details

Privilege offer three types of car insurance cover: Third Party Fire and Theft, Comprehensive, and Comprehensive Plus.

Third-Party, Fire and Theft

With Privilege's most basic level of cover, you'll get all the usual benefits of third party, fire and theft insurance. This covers you if you damage someone's car or property, or injure someone in an accident. It also covers you if your car gets stolen or damaged by fire.

Privilege can also give you a courtesy car if yours is being fixed by one of their approved repairers. Though this is subject to availability.

Comprehensive

Privilege's comprehensive car insurance policies offer a number of benefits, as standard. These include:

Courtesy car: If your car gets fixed by one of Privilege's approved repairers, they'll give you a car to use in the meantime.
Uninsured driver promise: Being hit by an uninsured driver is always a bit of a nightmare. If the accident isn't your fault, Privilege will cover your excess and protect your no-claims discount. You'll need to get the driver's reg, make and model of the other car. And the other driver's details (if possible) to make a claim.
Guaranteed repairs: Getting your car fixed by Privilege's approved repairers comes with another benefit. They'll guarantee the work for five years.
Personal accident cover: You, and your spouse/partner, will be insured up to £5,000.
Foreign use: You can also add Foreign Usage Cover as an optional extra. This covers you for 90 days if you use your car abroad. You'll have to pay extra for this, but it's worth considering if you want to drive abroad.

Comprehensive Plus

This is Privilege's highest level of cover. It's fairly similar to their comprehensive policies, but with higher limits and a few added extras. Let's take a look:

Guaranteed hire car plus: If your car is being repaired by one of Privilege's approved mechanics, they'll offer you a hire car similar to your own. You'll be able to drive this until yours is fixed. Prefer to use your own repairer? You'll still get a hire car for up to 21 days in a row. Same goes if your car's been written off or stolen.
Uninsured driver promise: If an uninsured driver hits your car and it wasn't your fault, comprehensive plus can cover you. It'll also protect your no-claims bonus, and cover your excess too. Again, make sure to to get the other driver's details if you can. You'll also need to get the reg, make and model of the other car.
Personal accident cover: With comprehensive plus, you and your partner/spouse can be covered up to the value of £10,000.
Motor legal cover: Privilege can cover legal costs up to £100,000. This could be to help you claim for repairs, lost earnings, and personal injury, after an accident that wasn't your fault. But take note: There must be more than a 50% chance your claim will be successful to get cover.
Automatic foreign use: Privilege's overseas cover will give you comprehensive cover for up to 90 days when driving abroad.

Privilege optional extras

When it comes to car insurance optional extras, Privilege offer a range that can be added onto your policy:

Motor legal cover - Included as standard with Comprehensive Plus cover. Privilege can help you claim compensation for uninsured losses for you and your passengers. It'll also give cover for repair costs, loss of earnings and compensation for personal injury.
Guaranteed hire car plus - This can cover you if you need to use your car abroad.
Protected no-claims discount - This ensures your no-claims discount isn't affected even if you have to make a claim.
Green Flag breakdown cover - In partnership with Green Flag, Privilege can help get your car back on the road – 24 hours a day, 365 days a year. You'll get access to a national network of breakdown specialists, and a choice of different levels of breakdown cover. It'll also cover anyone driving your car with your permission.