Privilege car insurance review

8 min Read Published: 13 Aug 2021

Who is Privilege insurance

Privilege is part of the Direct Line Insurance Group which also owns the Churchill insurance brand. Unlike the other Direct Line brands, Privilege policies do appear on comparison sites.

Privilege car insurance policies

Privilege car insurance offers four car insurance policy types and they are:

Third Party Fire and Theft

A Third Party Fire and Theft car insurance policy will cover the policyholder for damage to another person’s car or property caused while driving your car. Any injury to a third party caused by an accident will also be covered as will your own car if it is damaged by fire or stolen

Comprehensive

In addition to the cover offered under Third Party Fire and Theft policy, the Comprehensive car insurance policy covers damage to your own car and offers a level of personal accident cover.

Comprehensive Plus

This policy is similar to the cover offered under the Comprehensive car insurance policy but with higher limits and some added extras, these are clarified later in this article.

DriveXpert

DrivexpertDriveXpert is an insurance policy aimed at younger drivers using telematics to monitor driving habits. Policyholders will get an upfront discount and safe drivers could save money on their insurance renewal.

It all works using the DriveXpert app on your smartphone. The easy to use telemetrics plug-in monitors a range of environmental and behavioural factors to work out how safe a driver you are. It then assigns you a driving score.

This driving score will be used when calculating your renewal premiums.

Privilege car insurance extra benefits explained

Courtesy Car

Providing your car is being repaired by one of the Privilege approved repairers you will be provided with a 1 litre hatchback courtesy car for the whole time your car is being repaired.

Courtesy Car Plus (Comprehensive Plus only)

Providing your car is being repaired by one of the Privilege approved repairers you will be provided with a courtesy car of similar physical size to your own car for the whole time your car is being repaired. If you prefer to use your own repairer or your car has been written off or stolen you can still get a hire car for up to 21 days in a row.

Guaranteed Repairs

Any repairs completed on your car will be guaranteed for five years, provided you use one of the Privilege approved repairers.

Personal Accident Cover

If you are injured in an accident you and your spouse or partner will be covered for related medical costs up to the value of £5,000.

Personal Accident Cover Plus (Comprehensive Plus only)

If you are injured in an accident you and your spouse or partner will be covered for related medical costs up to the value of £10,000.

Motor Legal Cover

Motor Legal Cover will cover costs up to £100,000 for repairs, loss of earnings and personal injury following an accident that was not your fault. There must be more than a 50% (estimated) that your claim will be successful.

Uninsured Driver Promise

If you are involved in an accident with an uninsured driver that is not your fault, your No Claims Discount (NCD) will be protected as well as your excess. You need to be able to provide details of the other driver and the vehicle involved to make a claim.

Foreign Use

Your car insurance policy can cover overseas use for up to 90 days. An extra premium will be payable for this benefit.

Foreign Use (Comprehensive Plus only)

Your car insurance policy will automatically cover overseas use for up to 90 days. No extra premium will be payable for this benefit.

Privilege car insurance policy comparison

Privilege car insurance features Third Party Fire and Theft Comprehensive Comprehensive Plus
Courtesy car Yes - 1 litre hatchback car Yes - car of similar size to yours (additional premium) Yes - car of similar size to yours (included no extra charge)
No Claims Discount Protection Yes Yes Yes
Motor Legal Protection £100,000 optional extra £100,000 optional extra £100,000 Included
Personal accident No £5,000 £10,000
Medical expenses No £200 £400
Hotel expenses No £250 £300
In-car entertainment Unlimited Unlimited Unlimited
Removable electronic equipment £500 £1,000 2,000
Multi-car discount Yes Yes Yes
Windscreen damage Yes Yes Yes

How do Privilege car insurance extra benefits compare with other insurers?

Car insurance features Privilege LV= Aviva Co-op
Guaranteed hire car Yes £9.90 for small hatchback, £29.90 for similar car to own Yes Yes
Transport after accident Yes No Yes Yes
No Claim Discount Protection Yes Yes Yes Yes
Motor Legal Protection Individual cost calculation (free with Comprehensive Plus cover) £25.99 £29 p.a. Individual cost calculation
Multi-car Discount Yes Yes Yes No
Young driver policy (Telematic) Yes No No Temporarily unavailable
Admin fees for policy amendments Yes - variable £15 No £25
Available on comparison sites Yes Yes No Yes

How to make a claim with Privilege car insurance

In order to make a claim on your Privilege car insurance policy you will need the following information:

  • Your policy number and documents
  • Your vehicle registration number
  • Details of what happened and when
  • Details of any other vehicles, people or property involved
  • Contact details for any witnesses
  • Crime reference number if applicable

You can make a claim by phone on 0345 246 8539

Privilege car insurance reviews

Privilege is rated 4.0 out of 5.0 on independent review site Trustpilot, with reviews citing the young driver policy 'Drivexpert' as a great feature together with the excellent policy benefits offered as standard.

Privilege was rated at 68% in the best and worst car insurance customer survey conducted by the consumer website Which?

Summary

Privilege car insurance is part of the same group that owns Direct Line and Churchill car insurance, however, it is the only car insurance provider of the three that appear on comparison sites such as MoneySuperMarket. It is relatively well-reviewed online and may be a good option for younger drivers or those that are looking for additional policy features included in the policy as standard.

Further reading

Aviva car insurance review

LV= car insurance review

AXA car insurance review

 

 

 

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