Privilege Home Insurance Reviews

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Latest Reviews

★☆☆☆☆

“Unbelievably terrible 'customer service !!”

Written on: 17/10/2016 by Brendave (1 review written)

Like many other reviews left, I would also prefer not to even give this company one star!! - but you have no choice!! We are currently going through a claim for a water leak (1 litre per minute!!) - reported on 4 July 2016 and we are still waiting for this to be repaired ... and the water is STILL leaking ... we would definitely NOT recommend this company - STAY AWAY PLEASE… Read Full Review

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Thelevelhead2's Response to Brendave's Review

Written on: 29/11/2016

Hi User.

99% don't cover the actually pipe, it's a maintenance issue that you as the home owner need to sort. This part of the claim is not covered.

It's likely you have trace and access cover so you need a professional to find the leak and stop it. The labour and materials in the actual pipe repair won't be covered but the rest should.

As it's been going on since July the insurance company won't cover the full cost. You've failed to mitigate your loss and have allowed it to go on.

My advice is to get the leak stop ASAP! Get the invoice from the plumber and send that to the insurance company. Then get 2 estimates for repair for the water damage. It's likely they will only contribute around 50% of the cost given the fact you've allowed it to go on.

You can escalate it as much as you want but the FOS won't rule in your favour if it goes that far.

Take my advice above.

Thanks - Level Head

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Thelevelhead2's Response to Brendave's Review

Written on: 29/11/2016

Hi User.

99% don't cover the actually pipe, it's a maintenance issue that you as the home owner need to sort. This part of the claim is not covered.

It's likely you have trace and access cover so you need a professional to find the leak and stop it. The labour and materials in the actual pipe repair won't be covered but the rest should.

As it's been going on since July the insurance company won't cover the full cost. You've failed to mitigate your loss and have allowed it to go on.

My advice is to get the leak stop ASAP! Get the invoice from the plumber and send that to the insurance company. Then get 2 estimates for repair for the water damage. It's likely they will only contribute around 50% of the cost given the fact you've allowed it to go on.

You can escalate it as much as you want but the FOS won't rule in your favour if it goes that far.

Take my advice above.

Thanks - Level Head

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Thelevelhead2's Response to Brendave's Review

Written on: 29/11/2016

Hi User.

99% don't cover the actually pipe, it's a maintenance issue that you as the home owner need to sort. This part of the claim is not covered.

It's likely you have trace and access cover so you need a professional to find the leak and stop it. The labour and materials in the actual pipe repair won't be covered but the rest should.

As it's been going on since July the insurance company won't cover the full cost. You've failed to mitigate your loss and have allowed it to go on.

My advice is to get the leak stop ASAP! Get the invoice from the plumber and send that to the insurance company. Then get 2 estimates for repair for the water damage. It's likely they will only contribute around 50% of the cost given the fact you've allowed it to go on.

You can escalate it as much as you want but the FOS won't rule in your favour if it goes that far.

Take my advice above.

Thanks - Level Head

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Thelevelhead2's Response to Brendave's Review

Written on: 29/11/2016

Hi User.

99% don't cover the actually pipe, it's a maintenance issue that you as the home owner need to sort. This part of the claim is not covered.

It's likely you have trace and access cover so you need a professional to find the leak and stop it. The labour and materials in the actual pipe repair won't be covered but the rest should.

As it's been going on since July the insurance company won't cover the full cost. You've failed to mitigate your loss and have allowed it to go on.

My advice is to get the leak stop ASAP! Get the invoice from the plumber and send that to the insurance company. Then get 2 estimates for repair for the water damage. It's likely they will only contribute around 50% of the cost given the fact you've allowed it to go on.

You can escalate it as much as you want but the FOS won't rule in your favour if it goes that far.

Take my advice above.

Thanks - Level Head

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Thelevelhead2's Response to Brendave's Review

Written on: 29/11/2016

Hi User.

99% don't cover the actually pipe, it's a maintenance issue that you as the home owner need to sort. This part of the claim is not covered.

It's likely you have trace and access cover so you need a professional to find the leak and stop it. The labour and materials in the actual pipe repair won't be covered but the rest should.

As it's been going on since July the insurance company won't cover the full cost. You've failed to mitigate your loss and have allowed it to go on.

My advice is to get the leak stop ASAP! Get the invoice from the plumber and send that to the insurance company. Then get 2 estimates for repair for the water damage. It's likely they will only contribute around 50% of the cost given the fact you've allowed it to go on.

You can escalate it as much as you want but the FOS won't rule in your favour if it goes that far.

Take my advice above.

Thanks - Level Head

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Thelevelhead2's Response to Brendave's Review

Written on: 29/11/2016

Hi User.

99% don't cover the actually pipe, it's a maintenance issue that you as the home owner need to sort. This part of the claim is not covered.

It's likely you have trace and access cover so you need a professional to find the leak and stop it. The labour and materials in the actual pipe repair won't be covered but the rest should.

As it's been going on since July the insurance company won't cover the full cost. You've failed to mitigate your loss and have allowed it to go on.

My advice is to get the leak stop ASAP! Get the invoice from the plumber and send that to the insurance company. Then get 2 estimates for repair for the water damage. It's likely they will only contribute around 50% of the cost given the fact you've allowed it to go on.

You can escalate it as much as you want but the FOS won't rule in your favour if it goes that far.

Take my advice above.

Thanks - Level Head

Reply to this comment
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★☆☆☆☆

“DISGUSTING TERRIBLE AVOID AVOID AVOID ”

Written on: 22/06/2016

Rude, unreliable unsatisfactory treatment of customers. My roof leaked causing damage to the inside roof and wall paper as well as the outside roof and tiles. They refused to pay or cover it and after all that they charged me to cancel my policy . Avoid them st all costs! There's a reason they are cheap !!… Read Full Review

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★☆☆☆☆

“Be under the MERCY of their Loss Adjuster”

Written on: 31/03/2016 by TOBAWEEY (4 reviews written)

We joined Privilege Home Insurance 3 years ago when we were happy with the quotation and extensive cover , however their true colour appeared when the disaster happened to us in Jaunary 2016 following a severe damage by a burst pipe in our absence on holiday. We have been devastated and very stressed out by the experience especially we are pensioners in our early 70s. It has been like hell with their loss adjuster . They have no compassion or understanding of the trauma of what people are… Read Full Review

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★☆☆☆☆

“Be under the MERCY of their Loss Adjuster”

Written on: 31/03/2016 by TOBAWEEY (4 reviews written)

We joined Privilege Home Insurance 3 years ago when we were happy with the quotation and extensive cover , however their true colour appeared when the disaster happened to us in Jaunary 2016 following a severe damage by a burst pipe in our absence on holiday. We have been devastated and very stressed out by the experience especially we are pensioners in our early 70s. It has been like hell with their loss adjuster . They have no compassion or understanding of the trauma of what people are… Read Full Review

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★★★★☆

“massive savings by switching to Privilege ”

Written on: 23/03/2016 by 1950Casey (1 review written)

Just saved over £400 per year by switching to Privilege - very happy with their friendly service - my previous home insurers have been given the boot after confirming they do not have email! (and were clearly over charging me) astonishing! after a quick and painless completion of their on line quote form I called and was given the option for call back - yay to privilege! thank you… Read Full Review

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★☆☆☆☆

“AVOID PRIVILEGE”

Written on: 17/01/2016 by wt11 (1 review written)

Flooded over Christmas, evacuated and out of my house staying with relatives, house hasn't been touched due to their over stretched incompetent contractors don't even have drying equipment in yet. They refuse to let me put my own builders in and as others have said are rude arrogant and abrupt, they may be cheap but God Forbidi f you have a big claim. Four weeks on and they haven't approved my claim they say they have back log, personally i think they are looking for a way out of paying… Read Full Review

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★☆☆☆☆

“Appalling service from Privilege Home Insurance”

Written on: 20/05/2015 by anna-stone (1 review written)

Very slow, they did not appear to progress my claim at all, I had to keep on phoning them and spent many hours on the phone. Information was routinely lost between them and their sub-contractors. They claim not to have received two letters which I posted to them and one fax for which they acknowledge that I have a fax transmission receipt yet they still deny having received it. Some of their telephone operatives are very rude. They had my claim for 7 weeks before deciding that one of the items… Read Full Review

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★☆☆☆☆

“Please don't use this outfit”

Written on: 14/01/2015 by Ayana141 (1 review written)

Two years trying to get satisfaction . Claims to 0845 Premium numbers! Terms & Conditios make sure you are on a looser if you are unfortunate enough to make what you think is a genuine claim!i… Read Full Review

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Evarose3's Comment

Written on: 10/03/2016

Never had to make a claim for over 15 yrs but during the wind and rain over Christmas the lead flashing and cement fell out at the bottom of the chimney the claim as been going on for about 7 week now and after many emails getting quotes and the so called privalige home insurance sending their own people round the first person that came said it was definitely due to storm damage but when we contacted privelige they said he had no business telling us that he was not qualified to say any such thing. so after another few weeks they decided to send a local contractor and it took 3 of them t o access the damage 3 more weeks passed never heard a thing by this time my 91 yr old mother was panicking in case rain water would come through the roof. Then after further emails was finally told today that the contractor they sent out had assessed it as general wear and tear and not storm damage at all so anyone out there considering privelige home insurance think again because we have paid £183 a year for absolutely nothing call themselves an insurance company there an absolute joke

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★☆☆☆☆

“Privilege Home Insurance - not to be trusted at all”

Written on: 27/12/2014

A serious issue that damaged some household electronics proved to be too expensive for me so I claimed under my household policy which covered the damage. That was in the first week of December. By a few days before Christmas the items had come back from their subcontractors as "repaired" which neither of them were. Not only were the subcontractors incompetent, it turned out that the only spare parts that may have been used could only have come from second hand equipment as the manufacturer had… Read Full Review

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★☆☆☆☆

“customer service”

Written on: 17/09/2014 by ZoeyLamb189 (1 review written)

they take forever to answer the phone and of course its premium rate call charge make sure that you dont tick automatic renewal… Read Full Review

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★☆☆☆☆

“Pathetic service and communication - don't even consider”

Written on: 18/07/2014 by oldcelt (2 reviews written)

Included in the package is emergency cover. They don't tell you in advance that 'emergency' claims are handled by a completely different company: Homeserve. You are left in a cleft stick between the two and your chances of a satisfactory settlement are minimal. Jobsworth bunch; no appreciation of or allowance for circumstances. We were 2000 miles away when the hot water cylinder split. Emergency claim (passed to Homeserve, of course) was not settled in full because we didn't "follow the… Read Full Review

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★☆☆☆☆

“Poor at dealing with claims”

Written on: 19/06/2014 by JosephineChurchill168 (1 review written)

We have been waiting for 9 weeks for this insurance to deal with a simple claim over a garage door. Every time we contact them, they tell us they will ring us and they never do. They close at 5pm, which is not easy for working people who have to stay at least 20mn in the queue every time you need to contact them Awful!! Will not renew… Read Full Review

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★☆☆☆☆

“Scandalous”

Written on: 14/06/2014 by Porter33 (1 review written)

Got my renewal from Privilege today, another years No Claims but Policy had went up 18% - Excess for water damaged had sneaked up in the small print by £350 and a cancellation fee of £37.10 added ? I called their customer service to cancel the renewal and they said they could discount the Policy to just below last year's premium price. I asked them for an updated renewal through the post and they said NO it was a verbal offer - so i cancelled the renewal and looked elsewhere. Tried… Read Full Review

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★☆☆☆☆

“Terrible service and customer experience”

Written on: 02/06/2014

Having luckily only had to claim once in over 20 years of insurance cover the appalling lack of customer service by Privilege claims was an eye opener. The average telephone waiting time is 45 minutes with inane repetitious music. Everything is done via the telephone as they do not respond to letters until you phone, then the case is progressed regardless of how long they have had your letter. As everything has to be done over the phone, there is no evidence of what has previously been… Read Full Review

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★☆☆☆☆

“WARNING! Privilege Home Insurance ”

Written on: 14/03/2013

Terrible company which tricks you into an automatic renewal contract. If you don't cancel in time they try to charge a cancellation fee. DO NOT ACCEPT THIS! This is illegal and you can claim your money back (easiest if you have paid by credit card). Never again, Privelege Home Insurance… Read Full Review

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★☆☆☆☆

“Shocking, unprofessional and unreliable”

Written on: 09/07/2012 by MHomolka (1 review written)

Half way through our annual policy we decided to extend our house. We telephoned Privilege to give them our builders insurance details and they said they were cancelling our policy there and then. We have now been left without insurance and to get cover now that the build is starting is impossible so far. We have never made a claim ever in all of our adult lived and now thanks to Privilege we have been left without any insurance cover. Stay away from this company!!!… Read Full Review

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Mhomolka's Response to MHomolka's Review

Written on: 09/07/2012

AON much more professional and helpful. Now insured thanks to AON.

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★☆☆☆☆

“look elsewhere”

Written on: 16/09/2011

Tried to make a claim for a damaged camera under my personal posessions cover, i was offered a basic kiddy camera in place of a proffesional digital SLR, different make ,spec a fifth of the price and they were not budging that coupled with an extra undeclared £25 excess on top of the standard £100 it wasnt worth bothering..so I didnt. LOOK ELSEWHERE.they are not interested in your claim only in collecting your policy money… Read Full Review

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★☆☆☆☆

“BEWARE THIS COMPANY: THEY SEEK TO MISLEAD AND THEN...”

Written on: 21/02/2011 by janetfv (1 review written)

BEWARE THIS COMPANY: THEY SEEK TO MISLEAD AND THEN PROFIT FROM THIS DECEIPT!

Despite having never claimed on my insurance I received a renewal notice that included a hefty 40%+ increase in my premium. Outrageous - I called to query, but couldn't get through. Therefore I went elsewhere.
When I called them to cancel (With is not easy so you risk the automatic renewal going through if you are not persistant) I was told they could apply a substantial discount. I asked why they hadn't applied it… Read Full Review

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★☆☆☆☆

“Our heating has just borken down and i have been...”

Written on: 21/12/2010

Our heating has just borken down and i have been trying to get in touch with the 24hour emergency helpline and have not yet gotten in touch with anyone i can speak to. I waited 55minutes in the last call. It is absoloutly disgusting that they treat people this way.

Avoid at all costs and i wish i had done more research on the company. I picked Privilage because i thought they were one of the better known companies and though not the cheapest, the full premium cover, i thought would be a safer… Read Full Review

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★☆☆☆☆

“90 days and counting. ”

Written on: 23/10/2010

90 days and counting.

I made a claim, They sent round a 3rd party adviser.
I got the report and I was told it was a false claim wtf.

I have full police reports of the crime etc but they treat you like sh1t.

I have no idea if I will get any money I have writen to customer releations.
but not a lot happens

AVOID at all costs… Read Full Review

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