Privilege Home Insurance
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*Introductory offer is for combined buildings and contents cover, which excludes optional covers. Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited
Buildings cover – Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.
Contents cover – Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.
Trace and access – Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.
Alternative accommodation – Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.
24/7 emergency helpline
Optional upgrade to Home Plus or Select Premier Insurance, giving you cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees
What’s not covered
Wear and tear, maintenance and routine decoration
Theft, vandalism or accidental damage caused by a paying guest or tenant
The cost of repairing or replacing items following a mechanical or electrical fault
Damage or theft if the house has been unoccupied for more than 60 days in a row
- A personal claims manager if you need to move out of your home due to a claim
- Worldwide protection for your credit cards, debit cards and cash up to £500
- Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
- No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home
What’s not covered
- Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
- Home cover does not include loss or damage to contents in student accommodation.
- Certain loss or damage when your home is lent, shared, let or sub-let.
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
Privilege Home Insurance
Privilege offer three main types of home insurance designed to protect your home against damage to the property itself or to the contents within it.
Your options are:
- Buildings cover
- Contents cover
- Joint buildings and contents cover
Which type of insurance you need will largely depend on your living arrangements. If you own your own home, you will normally need to get both buildings and contents insurance, with buildings insurance being a requirement for most mortgages.
Those who are renting will only need to worry about contents insurance as your landlord will cover the building, whereas landlords will only need buildings insurance as tenants are responsible for protecting their own belongings.
Choosing Privilege home insurance
Privilege offer two levels of home insurance: Privilege Standard Home Insurance and Privilege Platinum Home Insurance. They also offer a range of optional extra types of cover so you can build a comprehensive home insurance policy that matches your exact requirements.
Privilege Standard Home Insurance
This is most suitable for smaller households that don’t require a high level of cover.
- Buildings cover up to £1,000,000
- Alternative Accommodation cover if you can’t live in your home
- Accidental damage cover for cables, underground pipes and drains
- Up to £5000 to find and access the source of water and oil leaks in your property
- You can choose to cover the contents of your home, garage and shed for up to £100,000
- Replacement locks for lost or stolen keys
- Up to £1000 cover for the contents of your garden
- Unlimited frozen food cover
Privilege Platinum Home Insurance
This cover is perfect for larger households or households that have more or more expensive belongings. Additional benefits are also included within this policy.
- Unlimited buildings cover which takes care of the cost of rebuilding your home and any outbuildings
- Accidental Damage cover for your home is included
- Matching set cover, they will replace the suite that has been damaged
- Alternative accommodations cover if your home is made inhabitable
- Up to £10,000 to find and source a water or oil leak
- Contents insurance will cover up to £1000,000 for contents in the home, garage or shed
- New for old cover, your damaged items will be replaced new
- Business equipment is covered up to £1000
- Contents cover is increased by 10% for special events such as Christmas or weddings
- Digital cover for downloaded items like films and music, up to £000
- Replacement locks if your keys are lost or stolen
- Cash is covered up to £1000
- Contents in your garden are covered up to £2,500
- Unlimited frozen food cover
Tailor your policy to your unique needs by choosing from the following optional add-ons:
- Personal Possessions cover for valuable up to £4000, money up to £1000 and bicycles up to £100. They will cover you anywhere in the UK and abroad for 60 days
- Accidental damage cover, covers any accidents around the home
- Home emergency cover, access to 24 hour emergency repairs. They will cover the costs for labour, all out and parts up to £500
- Family Legal Protection, this includes access to a helpline 24 hours a day. You will be covered for up to £100,000 in legal costs
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