Defaqto rating: 5/5 stars
Defaqto rates Privilege high, awarding its Comprehensive, Comprehensive and DriveXpert policies five stars.
Note: Not all Defaqto five-star rated products have the same covers and terms.
Privilege has been offering insurance since 1994. Based in Bromley, south London, it concentrates on telephone and online insurance sales.
Offering home insurance and car insurance, Privilege covered 600,000 UK policyholders last year. The company is part of the Direct Line Group, which is underwritten by U K Insurance.
Other Direct Line Group brands include Churchill and the Green Flag roadside assistance and vehicle breakdown company.
Privilege is arguably best known for its TV adverts, featuring at one time or other Joanna Lumley, Nigel Havers and Ian Wright.
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Privilege car insurance is flexible enough to appeal to a large number of drivers, but its specific policies offer certain benefits that will suit specific needs. These include:
if you have several cars in your household
if you would like to save money by having a black box installed in your car
if you need comprehensive car cover for driving in Europe
if you are concerned about claims involving uninsured drivers
if £100,000 legal cover would provide added peace of mind
if a courtesy car is important, or a guaranteed replacement car for a longer duration
Recent research from Privilege revealed 16 January is when most traffic accidents are likely to take place, with an average of 10,075 collisions on this date.
January 2020 also saw Privilege release results of a survey finding British drivers spend a depressing 17 days of their lives covering 2,127 miles on average just to find somewhere to park.
On a more positive note, in spring 2020, Direct Line Group announced a raft of initiatives in response to Covid-19. These included:
refunds for reduced use of cars in certain circumstances, such as where a vulnerable person is self-isolating
fast-track claims processes for NHS workers
support for those in financial difficulties, including payment deferrals and waiving cancellation fees
The Financial Ombudsman Service received 471 motor insurance complaints about UK Insurance, owner of the Privilege brand, in the first half of 2020. This was the second highest number of complaints but that would be expected of the second biggest car insurer in the UK. Crucially UK insurance had just over 9% of complaints but nearly 14% of the market, so had far fewer complaints than might be expected given its size. To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.