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
DriveXpert 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
