Platinum home insurance

Privilege Platinum home insurance is perfect for households with more belongings (or just more expensive belongings). It offers higher levels of buildings and contents cover, for complete peace of mind.

It also includes additional benefits such as covering your personal possessions when you're out and about, accidental damage for your buildings and contents plus bicycles (£1,000 limit), and many more as standard.

What it covers

Contents insurance

Man on a sofa

Includes everything covered by our Standard Privilege Home insurance, plus:

  • For any part of a matching set or suite that is damaged and can't be repaired or replaced, we'll replace the entire set as new.
  • Business equipment up to £10,000.
  • Contents cover increased by 10% around special events, such as Christmas and weddings.
  • Up to £3,000 to cover the cost of downloaded media including films and music.
  • Covers cash in your home up to £500.
  • Accidental Damage for your contents.
  • Family Legal Protection up to £100,000.
  • Home Emergency cover up to £500 per claim.
  • Higher limits for contents outside within the boundaries of your home up to £2,500.

Buildings insurance

Includes everything covered by our Standard Privilege Home insurance, plus:

  • For any part of a matching fixed bathroom or kitchen suite that is damaged and cannot be repaired or replaced, we'll replace the entire set as new.
  • Accidental Damage for your buildings.
  • Family Legal Protection up to £100,000.
  • Home Emergency cover up to £500 per claim.
  • It also includes a higher limit of up to £5,000 to find and access the source of water and oil leaks.
Get a quote

Additional benefits

Personal Possessions

Insure your belongings outside the home, or even while sunning yourself on holiday.

We'll cover the following anywhere in the UK and for up to 60 days elsewhere in the world:

  • Individual items up to £4,000
  • Accidental loss
  • Accidental damage
  • Theft
  • Money up to £500
  • Bicycles up to £1000

Accidental Damage

Protect your home and belongings with Accidental Damage cover. You can get cover for your Buildings, Contents or both, depending on your Home Insurance policy.

You'll be covered for unexpected, unintentional accidents caused by sudden physical damage. Some examples include:

(Buildings)

  • Footballs smashing your windows
  • Putting a foot through your floor in the attic or loft
  • Cracked bathroom sinks

(Contents)

  • Spilling red wine on your carpet
  • Dropping your phone in the sink
  • Dropping your laptop down the stairs

Home Emergency

Get access to a 24-hour service for emergency repairs to your home.

We'll make sure a reliable, qualified tradesman does the repairs, with the aim to make your home safe and secure. We'll also cover your costs for labour, call out and parts up to £500 for emergencies such as:

  • Central heating failures
  • Electrical power going out
  • Front door lock breakages

Policy documents

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Policy documents

If you requested online access to your documents when you bought your policy with us, just click below to view them.

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If you're new to us, or you haven't got online access to your documents, you can use our policy booklets as a guide

See our policy booklets
Woman looking through books on shelf, underneath a sign saying Home Insurance FAQs
  • How much am I covered for?

    Buildings - This section of your policy provides unlimited cover.

    However, there are some properties that may not be eligible for this cover. These include, but are not limited to properties with:

    • 7 bedrooms or more
    • A listed status
    • A rebuild cost of more than £1,000,000
    • A year of build before 1760

    Contents - These are the items that you would normally take with you when you move. Things like carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects. Your 'contents sum insured' amount should cover the current replacement cost of these items.

    However, we cannot offer more than £175,000 cover for your contents.

    If you need a higher level of cover for your buildings or contents, Direct Line Select might be more suitable. To find out more, give them a call on 0345 246 8859.

    They're open Monday-Friday 8am-8pm and Saturday 9am-5pm.

    Our website quotes are an estimate based on the size of your property. However, this is only a quote and you should check this amount carefully.

  • How do I cancel my Privilege Home Insurance policy?
    Call us on 0345 246 8534 to talk about cancelling your policy.
  • Are my belongings covered outside the home or when I go on holiday?

    They are if you take out Personal Possessions cover (included with Platinum home insurance).

    When added to our standard home contents policy we'll cover your personal belongings (including up to £250 for money) against theft, loss or accidental damage anywhere in Britain, as well as up to 60 days abroad.

    Any individual items worth more than £2,000 must be named on the policy. Bicycles are covered up to £500 on our Home policy and £1,000 on our Platinum policy.

    Personal Possessions cover is included on our Privilege Platinum Home Contents policy.

    Your personal belongings (including up to £500 for money) are covered against theft, loss or accidental damage anywhere in Britain, as well as up to 60 days abroad.

    Any individual items worth more than £4,000 must be named on the policy. Bicycles are covered up to £1,000.

    If you have a bicycle which costs more than the limits above you can list individual bikes up to £5,000 per bike. The total for all your named bikes can't go over £10,000

  • How do I change the address on my Home policy?
    It's simple. Please click 'Change my address' to get started.
  • Is my PC covered?

    Our home insurance covers the cost of your computer if stolen (up to £2,000 with our standard policy and up to £4,000 with our Platinum policy).

    You can also add accidental damage cover to our standard home insurance policy (it's already included with our Platinum policy).