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Privilege Car Insurance
About Privilege
Privilege was launched in 1994 by Peter Wood and The Royal Bank of Scotland plc. The company aimed to serve the "non-standard" market, estimated at 6 million drivers (approximately one third of the private motor market). Non-standard" means those drivers who pay more than most for their car insurance, either because of the car they drive (e.g. executive, performance), or because they have an unusual occupation or driving convictions.
Due to its success in this niche UK car insurance area the company was particularly successful, and in the first four years of operation issued 250.000 policies. Since their launch and subsequent success they have developed their target audience to include specifically the London area, executives, and car insurance for older drivers, especially to car drivers able to offer four or more years of no claims discount.
Privilege Car Insurance
Generally, they offer car insurance cover at third party, third party fire and theft, and comprehensive levels.
For customers using their vehicle in connection with their work Privilege car insurance includes business mileage at no extra cost. Other features and benefits include, No Claims Discount of up to 70%, free 24 hour accident recovery, a new replacement car for yours if it is 'written off' under one year old (subject to policy conditions that apply), your existing company car No Claims Discount will be recognised. A courtesy vehicle will be provided if your vehicle is repaired through a recommended car repairer subject to availability, free cleaning service and guaranteed car repairs also applies when you use the company's approved repair network. Audio replacement and 24 hour windscreen replacement hotline apply. A premium installment option is available (subject to status).
Optional extras (subject to a small increase in the car insurance premium) includes 25% off breakdown cover which boasts over 80% of repairs at the roadside, No Claims Discount protection after 4 claim free years, motor legal protection and guaranteed hire car cover for up to 14 days after your car becomes unusable due to a insurance claim (excluding windscreen damage).
Please note, conditions will apply for all of the insurance products for cars and benefits mentioned above, please contact the company concerned for more information.
For more information visit the Privilege website below.
Privilege Car Insurance
Privilege was launched in 1994 by Peter Wood and The Royal Bank of Scotland plc. The company aimed to serve the "non-standard" market, estimated at 6 million drivers (approximately one third of the private motor market). Non-standard" means those drivers who pay more than most for their car insurance, either because of the car they drive (e.g. executive, performance), or because they have an unusual occupation or driving convictions.
Due to its success in this niche UK car insurance area the company was particularly successful, and in the first four years of operation issued 250.000 policies. Since their launch and subsequent success they have developed their target audience to include specifically the London area, executives, and car insurance for older drivers, especially to car drivers able to offer four or more years of no claims discount.
Privilege Car Insurance
Generally, they offer car insurance cover at third party, third party fire and theft, and comprehensive levels.
For customers using their vehicle in connection with their work Privilege car insurance includes business mileage at no extra cost. Other features and benefits include, No Claims Discount of up to 70%, free 24 hour accident recovery, a new replacement car for yours if it is 'written off' under one year old (subject to policy conditions that apply), your existing company car No Claims Discount will be recognised. A courtesy vehicle will be provided if your vehicle is repaired through a recommended car repairer subject to availability, free cleaning service and guaranteed car repairs also applies when you use the company's approved repair network. Audio replacement and 24 hour windscreen replacement hotline apply. A premium installment option is available (subject to status).
Optional extras (subject to a small increase in the car insurance premium) includes 25% off breakdown cover which boasts over 80% of repairs at the roadside, No Claims Discount protection after 4 claim free years, motor legal protection and guaranteed hire car cover for up to 14 days after your car becomes unusable due to a insurance claim (excluding windscreen damage).
Please note, conditions will apply for all of the insurance products for cars and benefits mentioned above, please contact the company concerned for more information.
For more information visit the Privilege website below.
Privilege Car Insurance
posted by Barbara Gordon at 12:33 PM
Privilege Car Insurance
5 Comments:
I took out my car insurance policy with Privilege in june as it was 10% cheaper than my previous insurer Directline who are also the parent company, everything fine until I had an accident when a lorry hit me and damaged the whole of the rightside of the car, so my car went in for some major work, when I got the car back 3 weeks later there were numerous faults, the shutline on the door had a large gap at the top, the seal round the window had a gap as the window frame was twisted, a damaged alloy wheel had not been repaired or replaced, paint was patchy in places, paint overspray on tyres, window seals and the fuel cap plus other niggly bits, the car has been in for the remedial work but again still things are not right. My advice if you can afford it do not go for the cheapest quote as you seem to get the cheapest service!
I am only 20, but have a good job with a high car allowance which my company expects me to use. I bought a BMW 3 series, which was a 2.8 petrol. As you can imagine all my insurance quotes were pretty high. When I tried Privilege I was amazed. There quote was £2000 or just over, it was still expensive, but i was getting quotes between £3500 and £4500. I agreed to the policy straight away, quite impressed with myself for finding such a 'bargain'.
Everything was fine until my partner had an accident on Christams Eve. At first, I was amazed at how friendly and efficent they seemed. They got me a hire car and put my mind at ease.
The trouble came in the new year, when they started to repair the car. I was given the choice of garages in which to send the car, like any person in my situation, I asked for the car to go to the local BMW approved repairers.
From then on, i was told several different stories. The garage told me it should be a write off, and the insurance company couldn't decide. By the end of March i was getting really annoyed. The garage were blaming the insurance company, and the insurance company were blaming the garage. I was in the middle and didn't know who to believe.
Despite asking the insurance company not to, when i went on holiday, they sent the car to another garage, which wasn't BMW approved. I had no details for this garage and couldn't contact them. I was still being told that the car was going to be fixed.
Whilst the car was in the garage, it turned 3 years old, which meant it needed a MoT certificate. The tax also ran out. As the car had gone to a non-approved garage, i asked that they got me a BMW approved repair certificate so i didn't lose my warrenties.
Six months down the line, the car got returned. I had no BMW approved repair certificate, no tax, and there are a number of faults with teh repair. I have now had the car back for 7 weeks, i've sent several letters to Privilege, but they have made no attempts to rectify the problems with the car or send me the relevant documentation. My car is still off the road.
I still don't know the whole story, but i do truly believe it should have been a write off. The car was probably worth £18000, and i know if a repair costs over 60% of that figure, it should be written off. The second garage bill was £8500 alone, so you'd expect that with the first garage's bill too, we'd have easily gone over the £10,800 needed to write it off. I know that by teh end of February, the repair so far at the first garage was up to £6000!!
According to the second garage, the repair should have only taken 2 weeks, therefore, another twenty two weeks have been wasted in incompentance. Privilege are still blaming the first garage for the delay and believe that it's my fault for sending the car there. Why is it my fault? The first garage was one of Privilege's approved garages, they offered me the choice. Wouldn't you send your car to the local BMW approved garage if the insurance company were offering it to you? Besides which, Privilege employ an engineer to go round and check the repairs, surely if he was that unhappy with the first garage, he would have moved it sooner.
In all, this accident has cost me over £6000 in finance, insurance premiums, tax and depreciation, without taking into account all my telephone calls and letters.
To top it all off, my employers were getting so irritated with me for not having a decent car to take clients out in, i had to go and buy another, so now i'm stuck with 2 BMWs, one of which is can't be used, and it's costing me a fortune. What makes me really mad, was when i bought the second car, Privilege had told me my car was going to be a write off.
Privilege have given me little over £1000 in compensation, which is an insult, i have been left £5000 out of pocket because of their lack of communication and incompentance. I won't settle for that. At the moment the Financial Ombudsman is investigating, if they can't do anything, I shall go to the small claims court.
To top it all off, someone ran up the back of my new BMW last week, luckily it isn't insured with Privilege!!!
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