Privilege Insurance Review & Contact Number

Privilege Insurance Review & Contact Number

Considering Privilege Insurance? A Comprehensive Look

Thinking about switching car or home insurance? Privilege Insurance, a UK provider catering specifically to the education community, might be on your radar.

This in-depth review delves into everything you need to know about Privilege, from the products they offer to customer experiences and competitor comparisons. We’ll also provide their contact details for easy reach.

Understanding Privilege Insurance

Established in 1970, Privilege built its foundation on serving teachers, lecturers, and the wider education sector. This specialization allows them to tailor insurance products and potentially offer more competitive rates to this specific demographic. They primarily focus on three core insurance products: car, home, and breakdown cover.

Products Offered by Privilege

• Car Insurance: Privilege offers a range of car insurance options to suit various needs. These include:
  • Comprehensive Cover: This provides the most extensive protection, covering damage to your vehicle caused by accidents, fire, theft, vandalism, and other perils outlined in the policy.
  • Third-Party Fire & Theft: This covers damage to other people’s vehicles and property (third party) in the event of an accident you cause, along with fire and theft damage to your own car.
  • Third-Party Only: This offers the most basic cover, protecting others in case of an accident you cause but excluding damage to your own vehicle.
  • Temporary Car Insurance: This short-term option is ideal for situations like borrowing a car or needing cover while your regular policy is on hold.

Privilege car insurance often includes additional benefits like:

Windscreen Cover: Repairs or replacements for chipped or cracked windscreens.

Legal Expenses: Covers legal fees incurred if you need to defend a claim made against you.

Courtesy Car: Provides a replacement vehicle while your car is being repaired following a covered claim.

• Home Insurance: Protecting your home and belongings is crucial. Privilege offers various home insurance options, including:

  • Buildings and Contents: This covers the structure of your home and its permanent fixtures, along with your furniture, belongings, and personal possessions.
  • Accidental Damage: Provides cover for accidental damage caused to your home or contents, like a burst pipe or spilled paint.
  • Personal Possessions: Offers additional protection for valuable items like jewelry, laptops, or bicycles outside your home.
  • Emergency Plumbing/Electrical Cover: Provides access to qualified professionals to address urgent plumbing or electrical issues.

• Breakdown Cover: Peace of mind on the road is essential. Privilege breakdown cover offers different levels of assistance in case your car breaks down:

  • Roadside Assistance: A technician will be dispatched to diagnose and potentially fix minor issues at the roadside.
  • Recovery: If your car cannot be repaired on-site, it will be towed to a garage of your choice or a repair network partner.
  • Onward Travel: Depending on the cover level, you and your passengers might be provided with alternative transportation options to continue your journey.

Customer Reviews: A Mixed Picture

While Privilege offers a range of insurance products, online reviews paint a mixed picture of customer experience. Here’s a breakdown of what customers typically mention:

• Price: New customers often find Privilege competitive, particularly when compared to established insurance giants. However, some express dissatisfaction with significant price increases upon renewal.
• Customer Service: Reviews regarding customer service are varied. Some find the staff helpful and efficient, while others mention long wait times, difficulty reaching representatives, and a lack of clear communication.
• Claims Process: Similar to customer service, the claims process experiences mixed reviews. While some report a smooth and efficient experience, others encounter delays, frustrations, and difficulties in getting claims settled.

Independent Review Sites: Evaluating Privilege Objectively

To gain a more objective perspective, let’s look at what established review platforms say about Privilege:

• Trustpilot: With a current rating of 2.4 out of 5 stars on Trustpilot, a significant portion of negative reviews focus on difficulties with customer service and claims handling.
• Which?: Which?, a consumer rights organization, gives Privilege a below-average rating. Their review highlights concerns about value for money and customer service, echoing some of the issues mentioned in online reviews.

Making an Informed Decision: Beyond Reviews

While reviews offer valuable insights, there’s more to consider before choosing an insurance provider. Here’s how to make an informed decision:

• Get Multiple Quotes: Don’t settle for the first offer. Utilize comparison websites to get quotes from several insurers, including Privilege and its competitors. This broadens your perspective on pricing options and allows you to compare coverage details.
• Read the Policy Wording: Price isn’t everything. Meticulously examine the policy wording to understand what’s covered, excess amounts (deductible) you’ll pay in case of a claim, and any exclusions that might leave you vulnerable in certain situations.
• Consider Additional Factors: Think about factors beyond price and basic coverage. Does the insurer offer features like online account management, mobile apps, or multi-car discounts? Are there specific benefits that cater to your needs, such as breakdown cover with onward travel for frequent road trippers?

Understanding Excess and Coverage Levels

• Excess: The excess, also known as deductible, is the portion of the claim you’ll pay upfront before the insurance kicks in. Choosing a higher excess often lowers your premium, but remember you’ll shoulder a larger financial burden if you need to make a claim.
• Coverage Levels: Each type of insurance (car, home) typically comes with various coverage levels (comprehensive, third-party, etc.). Carefully assess your risk tolerance and the value of your car/home contents to determine the most suitable level of cover.

Tailored Options for Educators?

Privilege positions itself as an insurance provider specifically for the education sector. While this might translate to some benefits, it’s essential to weigh them against the broader market:

• Potential Discounts: Privilege might offer exclusive discounts for educators. However, compare these against deals offered by other insurers. You might find similar or even better discounts elsewhere.
• Understanding Your Needs: As an educator, your car and home insurance needs might not be vastly different from someone in another profession. Analyze your specific requirements and prioritize features that truly benefit you over generic industry-specific perks.

Privilege Contact Details

• Phone:
  • Car Insurance: 0345 246 8539
  • Home Insurance: 0345 246 8534
  • Breakdown Cover: 0345 246 1558
• Website: You can get a quote, manage your policy, or make a claim online at https://www.privilege.com/
• Complaints: If you have a complaint, you can contact Privilege through their online form or write to them at:

Customer Relations Manager Churchill Court Westmoreland Road Bromley BR1 1DP

Alternatives to Privilege Insurance: Exploring the Market

The UK insurance market boasts a wide range of car and home insurance providers. Here’s a look at some highly-rated options to consider alongside Privilege:

• Admiral: Known for competitive pricing and a straightforward approach to insurance.
• Direct Line: Offers a user-friendly online experience and a strong reputation for customer service.
• LV=: A mutual insurer focused on customer satisfaction and fair pricing.
• AA: Provides comprehensive car insurance options and breakdown cover from a trusted roadside assistance brand.
• Swiftcover: An online insurance provider offering competitive quotes and a streamlined purchase process.

The Final Verdict: Weighing the Pros and Cons

Privilege Insurance can be a viable option, particularly if you’re in the education sector and qualify for any potential discounts. However, a thorough evaluation is crucial before making a decision. Here’s a summary of the key points to consider:

• Pros: Tailored options for educators (potential discounts), range of insurance products (car, home, breakdown cover).
• Cons: Mixed customer reviews regarding price increases, customer service, and claims handling, below-average ratings from independent review sites.

Moving Forward: Making an Informed Choice

By comparing quotes, meticulously reading policy details, and considering factors beyond price, you can make an informed choice about your car and home insurance.

Utilize this review alongside your own research to determine if Privilege Insurance aligns with your needs and budget.

Remember, the best insurance provider is the one that offers comprehensive cover, competitive pricing, and exceptional customer service – all tailored to your specific requirements.