Admiral Car Insurance in the UK: Is It Worth It? 2025 Review

Our expert's review on Admiral

Last update: 17 June 2025
Admiral
Admiral
4.5
hellosafe-logoScore
Charlotte Green
Charlotte Green
Finance content specialist

Admiral car insurance delivers a robust, modular offer, ranging from Third Party Only to Platinum comprehensive cover, each formula clearly structured for key needs including UK and Europe travel, electric vehicles, and multi-vehicle households. Reimbursement ceilings are competitive: up to £20 million for property damage liability, with excess levels varying by cover and options available to tailor deductibles, while generous extras like child equipment and EV wallbox cover add value. Prevention and owner protection options, coupled with loyalty incentives via MultiCover and flexible payments, reinforce Admiral’s practical approach. Compared to rivals such as Aviva, Hastings Direct, or LV=, Admiral excels in digital management, customer satisfaction, and flexible bundling, maintaining a strong price position with high perceived value. Particularly well-suited for young drivers, families, drivers of electric cars, and those seeking customisable, reliable insurance with extensive online management. Admiral is a UK market leader, FCA regulated by EUI Limited, securing billions in annual premiums. Trustpilot rates Admiral at 4.5/5 across more than 127,000 reviews, with management praised for swift, fair claims handling and average reimbursement times consistently among the fastest in the sector.

  • Wide range of cover options, from basic to Platinum
  • Competitive liability and theft reimbursement ceilings
  • Comprehensive EV and charging equipment coverage
  • MultiCar and MultiCover discounts
  • Efficient claims processing and digital policy management
  • Excellent Trustpilot rating and customer service
  • Flexible add-ons for legal protection and breakdown assistance
  • Bris de glace (windscreen) may require upgrade
  • Essential cover excludes some options available elsewhere
  • Excess amounts and options vary per formula
  • Complex exclusions and obligations for some use cases
  • Options for personal property coverage are capped
  • Wide range of cover options, from basic to Platinum
  • Competitive liability and theft reimbursement ceilings
  • Comprehensive EV and charging equipment coverage
  • MultiCar and MultiCover discounts
  • Efficient claims processing and digital policy management
  • Excellent Trustpilot rating and customer service
  • Flexible add-ons for legal protection and breakdown assistance

Our expert's review on Admiral

Last update: 17 June 2025
Charlotte Green
Charlotte Green
Finance content specialist
Admiral
Admiral
4.5
hellosafe-logoScore

Admiral car insurance delivers a robust, modular offer, ranging from Third Party Only to Platinum comprehensive cover, each formula clearly structured for key needs including UK and Europe travel, electric vehicles, and multi-vehicle households. Reimbursement ceilings are competitive: up to £20 million for property damage liability, with excess levels varying by cover and options available to tailor deductibles, while generous extras like child equipment and EV wallbox cover add value. Prevention and owner protection options, coupled with loyalty incentives via MultiCover and flexible payments, reinforce Admiral’s practical approach. Compared to rivals such as Aviva, Hastings Direct, or LV=, Admiral excels in digital management, customer satisfaction, and flexible bundling, maintaining a strong price position with high perceived value. Particularly well-suited for young drivers, families, drivers of electric cars, and those seeking customisable, reliable insurance with extensive online management. Admiral is a UK market leader, FCA regulated by EUI Limited, securing billions in annual premiums. Trustpilot rates Admiral at 4.5/5 across more than 127,000 reviews, with management praised for swift, fair claims handling and average reimbursement times consistently among the fastest in the sector.

  • Wide range of cover options, from basic to Platinum
  • Competitive liability and theft reimbursement ceilings
  • Comprehensive EV and charging equipment coverage
  • MultiCar and MultiCover discounts
  • Efficient claims processing and digital policy management
  • Excellent Trustpilot rating and customer service
  • Flexible add-ons for legal protection and breakdown assistance
  • Bris de glace (windscreen) may require upgrade
  • Essential cover excludes some options available elsewhere
  • Excess amounts and options vary per formula
  • Complex exclusions and obligations for some use cases
  • Options for personal property coverage are capped
  • Wide range of cover options, from basic to Platinum
  • Competitive liability and theft reimbursement ceilings
  • Comprehensive EV and charging equipment coverage
  • MultiCar and MultiCover discounts
  • Efficient claims processing and digital policy management
  • Excellent Trustpilot rating and customer service
  • Flexible add-ons for legal protection and breakdown assistance
Table of Contents
  • Admiral Guarantees
  • Admiral Guarantee Exclusions
  • The Price Admiral
  • Admiral Assistance
  • Customer Feedback for Admiral
  • Contacting Admiral: A Guide
  • FAQ
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Why trust Hellosafe?

Every year at HelloSafe, our car insurance specialist reviews the general terms and conditions, as well as the pricing of insurance policies available on the UK market, to provide you with reliable and impartial analysis. Trusted by hundreds of thousands of users across the UK each month, HelloSafe helps people make confident choices about their most important financial decisions.

Admiral Guarantees

Admiral offers six main car insurance plans: Third Party Only, Third Party Fire & Theft, Essential (Comprehensive), Admiral (Comprehensive), Gold (Comprehensive), and Platinum (Comprehensive). Third Party Only provides the minimum legal liability cover, while Third Party Fire & Theft adds protection against fire and theft. Comprehensive plans add vehicle damage, vandalism, windscreen, personal belongings, onward travel, and legal protection, with increasing cover and benefits up to Platinum, which uniquely includes 24/7 breakdown. Excess, benefit limits, and accessibility of add-ons vary by plan, with several optional extensions available for all-electric models and for multi-car or multi-cover arrangements. Admiral’s contracts are notable for competitive benefit levels, child equipment cover, flexibility on payment terms, a clear structure, and a level of cover for electric vehicles and personal effects in line with the UK market standard.

Warranty nameThird Party OnlyThird Party Fire & TheftEssentialAdmiralGoldPlatinum
Formula positioningEntryEconomyStandardEnhancedHigh-endPremium
Type of coverThird party onlyThird party, fire & theftComprehensiveComprehensiveComprehensiveComprehensive
Reimbursement rate (% of damages covered)100% for third party100% for covered events100% for covered events100% for covered events100% for covered events100% for covered events
Annual reimbursement ceiling£20M property, £1.2M hazardous£20M property, £1.2M hazardous£20M property, £1.2M hazardous£20M property, £1.2M hazardous£20M property, £1.2M hazardous£20M property, £1.2M hazardous
Policy excess (per claim and/or annually)Variable (as chosen)Variable (as chosen)Variable (as chosen)Variable (as chosen)Variable (as chosen)Variable (as chosen)
Waiting period (before certain guarantees take effect)NoneNoneNoneNoneNoneNone
Minimum/maximum age for subscriptionNCNCNCNCNCNC
Prior risk assessment (medical questionnaire, telematics, driving history)Standard checksStandard checksStandard checksStandard checksStandard checksStandard checks
Payment facilities (monthly, quarterly, annual)Monthly/annualMonthly/annualMonthly/annualMonthly/annualMonthly/annualMonthly/annual
Advance payment of claim-related costsDirect repair networkDirect repair networkDirect repair networkDirect repair networkDirect repair networkDirect repair network
Compensation at purchase value/agreed value/replacement valueNew car New car New car New car New car New car
Third-party liability (bodily injury and property damage to others)
Own vehicle damage (collision, regardless of fault)
Theft of vehicle (partial or total)
Fire (accidental or criminal)
Broken glass (windscreen, windows, sunroof)OptionOption
Natural disasters (hail, flood, storm, etc.)NCNCNCNCNCNC
Acts of vandalism
All-risks damage (accidents of any cause, including at-fault)
Driver personal injury cover (death, disability, medical expenses)NCNCNCNCNCNC
Passenger injury coverNCNCNCNCNCNC
Criminal defence and recourse (basic legal aid after an accident)OptionOptionOptionOption
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)OptionOptionOptionOption
Vehicle accessories and modifications (including electric vehicle batteries and cables)OEM audio: 100%; other up to £1,250OEM audio: 100%; other up to £1,250OEM audio: 100%; other up to £1,250OEM audio: 100%; other up to £1,250OEM audio: 100%; other up to £1,250OEM audio: 100%; other up to £1,250
Personal belongings inside the vehicle (excluding cash and documents)£200£200£200£200£300£300
Child equipment (seats, pushchairs)£200 plus £50 accessories£200 plus £50 accessories£200 plus £50 acc.£200 plus £50 acc.£300 plus accessories£300 plus accessories
Replacement vehicle (during repairs or after total loss)Conditional
Towing and roadside assistance (including out-of-charge recovery for EVs)OptionOptionOption (sel.)Option (sel.)Option (sel.)
Use abroad (compliance with minimum local cover; optional full cover abroad)Yes, EU standardYes, EU standardYes, EU standardYes, EU standardYes, EU standardYes, EU standard
Vehicle use for professional/business purposes (where applicable)With endorsementWith endorsementWith endorsementWith endorsementWith endorsementWith endorsement
Driving other vehicles (third-party only or comprehensive, depending on the insurer)NCNCNCNCNCNC
Trailer or caravan towing coverIncluded with policyIncluded with policyIncluded with policyIncluded with policyIncluded with policyIncluded with policy
Comparison of different car insurance warranty options.
Formula positioning
Third Party Only
Entry
Third Party Fire & Theft
Economy
Essential
Standard
Admiral
Enhanced
Gold
High-end
Platinum
Premium
Type of cover
Third Party Only
Third party only
Third Party Fire & Theft
Third party, fire & theft
Essential
Comprehensive
Admiral
Comprehensive
Gold
Comprehensive
Platinum
Comprehensive
Reimbursement rate (% of damages covered)
Third Party Only
100% for third party
Third Party Fire & Theft
100% for covered events
Essential
100% for covered events
Admiral
100% for covered events
Gold
100% for covered events
Platinum
100% for covered events
Annual reimbursement ceiling
Third Party Only
£20M property, £1.2M hazardous
Third Party Fire & Theft
£20M property, £1.2M hazardous
Essential
£20M property, £1.2M hazardous
Admiral
£20M property, £1.2M hazardous
Gold
£20M property, £1.2M hazardous
Platinum
£20M property, £1.2M hazardous
Policy excess (per claim and/or annually)
Third Party Only
Variable (as chosen)
Third Party Fire & Theft
Variable (as chosen)
Essential
Variable (as chosen)
Admiral
Variable (as chosen)
Gold
Variable (as chosen)
Platinum
Variable (as chosen)
Waiting period (before certain guarantees take effect)
Third Party Only
None
Third Party Fire & Theft
None
Essential
None
Admiral
None
Gold
None
Platinum
None
Minimum/maximum age for subscription
Third Party Only
NC
Third Party Fire & Theft
NC
Essential
NC
Admiral
NC
Gold
NC
Platinum
NC
Prior risk assessment (medical questionnaire, telematics, driving history)
Third Party Only
Standard checks
Third Party Fire & Theft
Standard checks
Essential
Standard checks
Admiral
Standard checks
Gold
Standard checks
Platinum
Standard checks
Payment facilities (monthly, quarterly, annual)
Third Party Only
Monthly/annual
Third Party Fire & Theft
Monthly/annual
Essential
Monthly/annual
Admiral
Monthly/annual
Gold
Monthly/annual
Platinum
Monthly/annual
Advance payment of claim-related costs
Third Party Only
Direct repair network
Third Party Fire & Theft
Direct repair network
Essential
Direct repair network
Admiral
Direct repair network
Gold
Direct repair network
Platinum
Direct repair network
Compensation at purchase value/agreed value/replacement value
Third Party Only
New car
Third Party Fire & Theft
New car
Essential
New car
Admiral
New car
Gold
New car
Platinum
New car
Third-party liability (bodily injury and property damage to others)
Third Party Only
Third Party Fire & Theft
Essential
Admiral
Gold
Platinum
Own vehicle damage (collision, regardless of fault)
Third Party Only
Third Party Fire & Theft
Essential
Admiral
Gold
Platinum
Theft of vehicle (partial or total)
Third Party Only
Third Party Fire & Theft
Essential
Admiral
Gold
Platinum
Fire (accidental or criminal)
Third Party Only
Third Party Fire & Theft
Essential
Admiral
Gold
Platinum
Broken glass (windscreen, windows, sunroof)
Third Party Only
Option
Third Party Fire & Theft
Option
Essential
Admiral
Gold
Platinum
Natural disasters (hail, flood, storm, etc.)
Third Party Only
NC
Third Party Fire & Theft
NC
Essential
NC
Admiral
NC
Gold
NC
Platinum
NC
Acts of vandalism
Third Party Only
Third Party Fire & Theft
Essential
Admiral
Gold
Platinum
All-risks damage (accidents of any cause, including at-fault)
Third Party Only
Third Party Fire & Theft
Essential
Admiral
Gold
Platinum
Driver personal injury cover (death, disability, medical expenses)
Third Party Only
NC
Third Party Fire & Theft
NC
Essential
NC
Admiral
NC
Gold
NC
Platinum
NC
Passenger injury cover
Third Party Only
NC
Third Party Fire & Theft
NC
Essential
NC
Admiral
NC
Gold
NC
Platinum
NC
Criminal defence and recourse (basic legal aid after an accident)
Third Party Only
Option
Third Party Fire & Theft
Option
Essential
Option
Admiral
Option
Gold
Platinum
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)
Third Party Only
Option
Third Party Fire & Theft
Option
Essential
Option
Admiral
Option
Gold
Platinum
Vehicle accessories and modifications (including electric vehicle batteries and cables)
Third Party Only
OEM audio: 100%; other up to £1,250
Third Party Fire & Theft
OEM audio: 100%; other up to £1,250
Essential
OEM audio: 100%; other up to £1,250
Admiral
OEM audio: 100%; other up to £1,250
Gold
OEM audio: 100%; other up to £1,250
Platinum
OEM audio: 100%; other up to £1,250
Personal belongings inside the vehicle (excluding cash and documents)
Third Party Only
£200
Third Party Fire & Theft
£200
Essential
£200
Admiral
£200
Gold
£300
Platinum
£300
Child equipment (seats, pushchairs)
Third Party Only
£200 plus £50 accessories
Third Party Fire & Theft
£200 plus £50 accessories
Essential
£200 plus £50 acc.
Admiral
£200 plus £50 acc.
Gold
£300 plus accessories
Platinum
£300 plus accessories
Replacement vehicle (during repairs or after total loss)
Third Party Only
Third Party Fire & Theft
Conditional
Essential
Admiral
Gold
Platinum
Towing and roadside assistance (including out-of-charge recovery for EVs)
Third Party Only
Option
Third Party Fire & Theft
Option
Essential
Option (sel.)
Admiral
Option (sel.)
Gold
Option (sel.)
Platinum
Use abroad (compliance with minimum local cover; optional full cover abroad)
Third Party Only
Yes, EU standard
Third Party Fire & Theft
Yes, EU standard
Essential
Yes, EU standard
Admiral
Yes, EU standard
Gold
Yes, EU standard
Platinum
Yes, EU standard
Vehicle use for professional/business purposes (where applicable)
Third Party Only
With endorsement
Third Party Fire & Theft
With endorsement
Essential
With endorsement
Admiral
With endorsement
Gold
With endorsement
Platinum
With endorsement
Driving other vehicles (third-party only or comprehensive, depending on the insurer)
Third Party Only
NC
Third Party Fire & Theft
NC
Essential
NC
Admiral
NC
Gold
NC
Platinum
NC
Trailer or caravan towing cover
Third Party Only
Included with policy
Third Party Fire & Theft
Included with policy
Essential
Included with policy
Admiral
Included with policy
Gold
Included with policy
Platinum
Included with policy
Comparison of different car insurance warranty options.

New car replacement if under 12 months old, written off, or stolen (first owner, specific conditions).

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Admiral Insurance Features

Admiral offers a mobile app for policy and claims management and supports fully paperless administration.

Additional options such as bonus protection, extended breakdown cover, child equipment packs, and electric vehicle wallbox cover are available for enhanced personalisation.

Claims can be managed online with direct payment to approved repairers, and the MultiCover policy enables bundled management of cars and homes.

Compare the best car insurance plans for free!Start comparing

Admiral Guarantee Exclusions

Admiral car insurance excludes claims if the driver is not declared on the policy or is driving outside of the permitted use, which is a stricter application than with some other providers. Driving without a valid licence, under the influence of drugs or alcohol, or while not securing the vehicle or keys invalidates cover. Claims relating to intentional acts, use of the vehicle for races, paid transport, or if the vehicle is used abroad beyond the covered period, are not covered. Notably, failure to maintain the car or damages from unauthorised modifications are also excluded, which stands out compared to competitors who may take a less comprehensive stance on these points. Coverage is also denied for mechanical breakdowns not explicitly insured and for incidents linked to war, civil unrest or terrorism.

ExclusionsDetails
Vehicle use exclusions- Racing or competition use
- Professional carriage of goods or passengers without authorisation
- Use as a taxi or organised ridesharing for profit
- Use beyond geographic area
Driver-related exclusions- Driver not named on the policy
- Without valid licence
- Under influence of drugs or alcohol
- Driving after vehicle left unsecured or keys not kept safe
Technical exclusions- Unauthorised vehicle modifications
- Mechanical or electronic breakdown (unless specifically insured)
- Lack of maintenance
- Use of incorrect fuel
Geographical exclusions- Incidents outside stated territorial limits or exceeding foreign coverage period
- Travel in excluded countries
Contractual exclusions- Intentional or fraudulent acts
- Claims following war, riot, nuclear incidents, terrorism
- Unauthorised use or non-disclosure of changes
- False statements, fraud
Personal belongings exclusions- Cash, bank cards, tickets
- Professional goods (not covered as personal belongings)
- Limited sums for personal effects
Table of insurance exclusions and their details.
Vehicle use exclusions
Details
- Racing or competition use
- Professional carriage of goods or passengers without authorisation
- Use as a taxi or organised ridesharing for profit
- Use beyond geographic area
Driver-related exclusions
Details
- Driver not named on the policy
- Without valid licence
- Under influence of drugs or alcohol
- Driving after vehicle left unsecured or keys not kept safe
Technical exclusions
Details
- Unauthorised vehicle modifications
- Mechanical or electronic breakdown (unless specifically insured)
- Lack of maintenance
- Use of incorrect fuel
Geographical exclusions
Details
- Incidents outside stated territorial limits or exceeding foreign coverage period
- Travel in excluded countries
Contractual exclusions
Details
- Intentional or fraudulent acts
- Claims following war, riot, nuclear incidents, terrorism
- Unauthorised use or non-disclosure of changes
- False statements, fraud
Personal belongings exclusions
Details
- Cash, bank cards, tickets
- Professional goods (not covered as personal belongings)
- Limited sums for personal effects
Table of insurance exclusions and their details.

The Price Admiral

Admiral has positioned itself in a mid-range price segment for the UK car insurance market, offering policies that are generally more comprehensive than pure budget insurers but at a moderate premium.

Its range of cover is flexible, spanning from essential to platinum, allowing customers to choose according to their needs and budget, with features like 24/7 breakdown assistance and high personal effects limits available on upper-tier plans.

Unlike some digital-only providers, Admiral combines an efficient online experience with robust customer service, striking a balance that keeps administrative costs reasonable.

Compared to direct competitors such as Aviva or Hastings Direct, Admiral’s pricing is competitive, especially when considering added-value services and multi-car discounts.

The brand is particularly attractive for families or drivers looking for multi-vehicle solutions, but less so for those seeking the absolute lowest price at the expense of comprehensive cover.

Third Party OnlyThird Party Fire & TheftEssential (Comprehensive)Admiral (Comprehensive)Gold (Comprehensive)Platinum (Comprehensive)
Young driver (18-24, compact car)£88/month£105/month£124/month£138/month£148/month£162/month
Standard driver (35-45, intermediate)£36/month£42/month£55/month£62/month£69/month£78/month
Senior driver (60-70, city car)£29/month£36/month£45/month£51/month£59/month£67/month
At-fault claim in last 3 years£62/month£75/month£94/month£105/month£112/month£121/month
New SUV driver£48/month£60/month£75/month£85/month£95/month£108/month
Over 25,000 miles/year£58/month£70/month£86/month£98/month£107/month£119/month
Insurance rates comparison for different driver profiles and coverage levels.
Young driver (18-24, compact car)
Third Party Only
£88/month
Third Party Fire & Theft
£105/month
Essential (Comprehensive)
£124/month
Admiral (Comprehensive)
£138/month
Gold (Comprehensive)
£148/month
Platinum (Comprehensive)
£162/month
Standard driver (35-45, intermediate)
Third Party Only
£36/month
Third Party Fire & Theft
£42/month
Essential (Comprehensive)
£55/month
Admiral (Comprehensive)
£62/month
Gold (Comprehensive)
£69/month
Platinum (Comprehensive)
£78/month
Senior driver (60-70, city car)
Third Party Only
£29/month
Third Party Fire & Theft
£36/month
Essential (Comprehensive)
£45/month
Admiral (Comprehensive)
£51/month
Gold (Comprehensive)
£59/month
Platinum (Comprehensive)
£67/month
At-fault claim in last 3 years
Third Party Only
£62/month
Third Party Fire & Theft
£75/month
Essential (Comprehensive)
£94/month
Admiral (Comprehensive)
£105/month
Gold (Comprehensive)
£112/month
Platinum (Comprehensive)
£121/month
New SUV driver
Third Party Only
£48/month
Third Party Fire & Theft
£60/month
Essential (Comprehensive)
£75/month
Admiral (Comprehensive)
£85/month
Gold (Comprehensive)
£95/month
Platinum (Comprehensive)
£108/month
Over 25,000 miles/year
Third Party Only
£58/month
Third Party Fire & Theft
£70/month
Essential (Comprehensive)
£86/month
Admiral (Comprehensive)
£98/month
Gold (Comprehensive)
£107/month
Platinum (Comprehensive)
£119/month
Insurance rates comparison for different driver profiles and coverage levels.

Compare leading policies before choosing to ensure you get the best rate for your needs.

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Admiral Discount Codes

Promotional codes AdmiralDetails
Sponsorship programmeUp to £75 reward for each friend or family member referred who takes out a policy.
Admiral promotional codes and details
Sponsorship programme
Details
Up to £75 reward for each friend or family member referred who takes out a policy.
Admiral promotional codes and details

Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.

Admiral Reimbursement Amounts: What to Expect

Claim or serviceAverage cost UK (£)Third Party OnlyThird Party Fire & TheftEssential (Comprehensive)Admiral (Comprehensive)Gold (Comprehensive)Platinum (Comprehensive)
Replacement after theft (vehicle)£12,000Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)
Windscreen replacement£400❌ (option)*❌ (option)*Up to full cost (excluding excess)Up to full cost (excluding excess)Up to full cost (excluding excess)
Repair after at-fault accident£2,000Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)Up to vehicle value (excluding excess)
Personal belongings stolen from car£250£200 (excess applies)*£200 (excess applies)*£200 (excess applies)*£200 (excess applies)*£300 (excess applies)*£300 (excess applies)*
24/7 roadside breakdown recovery£120❌ (option)*❌ (option)*❌ (option)*❌ (option)*❌ (option)*Covered in full (excluding excess)
Comparaison des différentes couvertures d'assurance automobile et des services offerts.
Replacement after theft (vehicle)
Average cost UK (£)
£12,000
Third Party Only
Third Party Fire & Theft
Up to vehicle value (excluding excess)
Essential (Comprehensive)
Up to vehicle value (excluding excess)
Admiral (Comprehensive)
Up to vehicle value (excluding excess)
Gold (Comprehensive)
Up to vehicle value (excluding excess)
Platinum (Comprehensive)
Up to vehicle value (excluding excess)
Windscreen replacement
Average cost UK (£)
£400
Third Party Only
❌ (option)*
Third Party Fire & Theft
❌ (option)*
Essential (Comprehensive)
Admiral (Comprehensive)
Up to full cost (excluding excess)
Gold (Comprehensive)
Up to full cost (excluding excess)
Platinum (Comprehensive)
Up to full cost (excluding excess)
Repair after at-fault accident
Average cost UK (£)
£2,000
Third Party Only
Third Party Fire & Theft
Essential (Comprehensive)
Up to vehicle value (excluding excess)
Admiral (Comprehensive)
Up to vehicle value (excluding excess)
Gold (Comprehensive)
Up to vehicle value (excluding excess)
Platinum (Comprehensive)
Up to vehicle value (excluding excess)
Personal belongings stolen from car
Average cost UK (£)
£250
Third Party Only
£200 (excess applies)*
Third Party Fire & Theft
£200 (excess applies)*
Essential (Comprehensive)
£200 (excess applies)*
Admiral (Comprehensive)
£200 (excess applies)*
Gold (Comprehensive)
£300 (excess applies)*
Platinum (Comprehensive)
£300 (excess applies)*
24/7 roadside breakdown recovery
Average cost UK (£)
£120
Third Party Only
❌ (option)*
Third Party Fire & Theft
❌ (option)*
Essential (Comprehensive)
❌ (option)*
Admiral (Comprehensive)
❌ (option)*
Gold (Comprehensive)
❌ (option)*
Platinum (Comprehensive)
Covered in full (excluding excess)
Comparaison des différentes couvertures d'assurance automobile et des services offerts.

*Optional extra or only available with add-on (for some covers, excess applies).

Admiral Assistance

Admiral assistance includes 24/7 breakdown recovery, with Platinum providing this as standard and other levels offering it as an option. Towing to an approved repairer is available when needed, but coverage for alternative transport and accommodation is limited to Gold and Platinum plans and only after severe incidents more than 25 miles from home. Replacement vehicles are provided during repairs following significant damage or theft, but not for minor incidents or all breakdowns. Legal assistance is included with Gold and Platinum, helping with third-party claims after a non-fault accident. Electric vehicles receive dedicated support, such as recovery when out of charge and coverage for home charging cables.

Support AdmiralAvailabilityDetails
24/7 roadside breakdown assistanceStandard on Platinum, optional for other plans.
Towing to repair facility / Extended towingTowing to approved repairers after accident or breakdown.
Assistance from home (0 km)Available, including breakdown at home, but only with assisted plans.
Replacement vehicleProvided during repairs for major damage or theft, not for minor breakdowns.
Alternative transport or accommodationIncluded in Gold and Platinum, covers transport and hotel if more than 25 miles from home after incident.
Vehicle repatriationFor irreparable vehicles abroad, as per territorial extension, subject to prior agreement.
Assistance abroadCovers up to 90 days per year in Europe and specified countries.
Assistance for electric vehiclesOut-of-charge towing, home charging cable cover up to £1,000 (Platinum, with exclusions).
Battery assistance & fuel misfuellingRecovery after out-of-charge for EV, misfuelling may require option or is excluded.
Legal assistance after an accidentIncluded in Gold and Platinum, available as an option in other plans.
Key recovery & lock replacementReimbursement for lost/stolen keys and locks, up to £500 per incident.
Admiral Support and Availability Details
24/7 roadside breakdown assistance
Availability
Details
Standard on Platinum, optional for other plans.
Towing to repair facility / Extended towing
Availability
Details
Towing to approved repairers after accident or breakdown.
Assistance from home (0 km)
Availability
Details
Available, including breakdown at home, but only with assisted plans.
Replacement vehicle
Availability
Details
Provided during repairs for major damage or theft, not for minor breakdowns.
Alternative transport or accommodation
Availability
Details
Included in Gold and Platinum, covers transport and hotel if more than 25 miles from home after incident.
Vehicle repatriation
Availability
Details
For irreparable vehicles abroad, as per territorial extension, subject to prior agreement.
Assistance abroad
Availability
Details
Covers up to 90 days per year in Europe and specified countries.
Assistance for electric vehicles
Availability
Details
Out-of-charge towing, home charging cable cover up to £1,000 (Platinum, with exclusions).
Battery assistance & fuel misfuelling
Availability
Details
Recovery after out-of-charge for EV, misfuelling may require option or is excluded.
Legal assistance after an accident
Availability
Details
Included in Gold and Platinum, available as an option in other plans.
Key recovery & lock replacement
Availability
Details
Reimbursement for lost/stolen keys and locks, up to £500 per incident.
Admiral Support and Availability Details

Customer Feedback for Admiral

Review siteRating and number of reviews
Trustpilot4.5/5 (127,197 reviews)
Review site ratings
Trustpilot
Rating and number of reviews
4.5/5 (127,197 reviews)
Review site ratings
  • ✅ A website and application that are easy to use and facilitate policy set-up and document access.
  • ✅ A competitive pricing structure and discounts for multi-car or multi-cover policies.
  • ✅ A responsive and friendly customer service team, with advisers praised for their support.
  • ✅ Efficient management of policy changes and rapid handling of many claims.
  • ✅ Coverage that adapts for non-standard vehicles or drivers with specific needs.
  • A process for claims or membership that can be lengthy or require repeated follow-up.
  • Some difficulties with the creation or use of an online account for new customers.
  • Occasional delays in email responses and lack of clarity during specific claim cases.
  • Certain coverages, such as windscreen, are not included by default and require additional upgrades.

Contacting Admiral: A Guide

Customer service AdmiralContact information
To obtain a quote or take out a policy onlineYou can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote.
To report a claimPhone: 0333 220 2033
Online: www.admiral.com/manage-my-policy/claims
Postal: Claims Department, Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Have your policy number, registration, claim details, and any supporting documents ready.
To request and track a refundPhone: 0333 220 2000
Email: [email protected]
Postal: Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Provide policy and claim number, receipts or proofs of payment. Refund is paid to your original payment method; average processing time is around 7–14 days if documents are complete.
To obtain an insurance certificatePhone: 0333 220 2000
Email: [email protected]
Postal: Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Certificates are issued electronically or by post on request; have your policy details to hand.
To contact assistance24/7 Breakdown assistance: 0800 600 840 (UK) or +44 800 600 840 from abroad
For emergency or recovery, have policy details and vehicle location ready.
To cancel my contractPhone: 0333 220 2000
Email: [email protected]
Postal: Cancellations, Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Enclose your policy number, signed cancellation request, and any supporting documents. A 14-day cooling-off period applies. Refunds are processed within 7–14 days if applicable. Notice should be given as early as possible.
Admiral Customer Service Contact Information
To obtain a quote or take out a policy online
Contact information
You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote.
To report a claim
Contact information
Phone: 0333 220 2033
Online: www.admiral.com/manage-my-policy/claims
Postal: Claims Department, Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Have your policy number, registration, claim details, and any supporting documents ready.
To request and track a refund
Contact information
Phone: 0333 220 2000
Email: [email protected]
Postal: Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Provide policy and claim number, receipts or proofs of payment. Refund is paid to your original payment method; average processing time is around 7–14 days if documents are complete.
To obtain an insurance certificate
Contact information
Phone: 0333 220 2000
Email: [email protected]
Postal: Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Certificates are issued electronically or by post on request; have your policy details to hand.
To contact assistance
Contact information
24/7 Breakdown assistance: 0800 600 840 (UK) or +44 800 600 840 from abroad
For emergency or recovery, have policy details and vehicle location ready.
To cancel my contract
Contact information
Phone: 0333 220 2000
Email: [email protected]
Postal: Cancellations, Admiral, Ty Admiral, David Street, Cardiff CF10 2EH
Enclose your policy number, signed cancellation request, and any supporting documents. A 14-day cooling-off period applies. Refunds are processed within 7–14 days if applicable. Notice should be given as early as possible.
Admiral Customer Service Contact Information

FAQ

Do I have to pay in advance for repairs or assistance with Admiral?

Admiral works with a network of approved garages and, if your repair is handled through them, the insurer usually pays the garage directly. For emergencies like breakdown recovery, Admiral covers costs on your behalf if you have suitable cover. You may be responsible for your excess or non-covered items. If you choose a non-approved repairer, you might need to pay upfront and claim back later. Always check your policy for specific procedures.

How do I cancel my car insurance contract with Admiral?

To cancel, you should contact Admiral’s customer service by phone, post, or email, providing written notice and your policy number. The standard notice period is 14 days for cooling-off and anytime after, but pro-rata and admin fees may apply. You may be asked to send back your certificate of insurance. Refunds are given if applicable, minus charges. Always confirm required documents with Admiral before proceeding.

Is breakdown cover included in all Admiral car insurance policies?

Breakdown cover is standard only on Platinum plans; other levels may offer it as an optional extra. If you want roadside assistance, check your policy documents or add it when purchasing or renewing. The Platinum policy includes 24/7 assistance as standard. Coverage may differ outside the UK. Ensure you’ve selected breakdown assistance if you need it.

Can I add multiple cars or drivers to my Admiral car insurance?

Yes, Admiral offers MultiCar policies allowing you to insure several vehicles under one account, often with discounts. You can add cars and drivers from the same household or even different addresses, depending on eligibility. Each car keeps its own level of cover and claims record. Flexibility is a key feature of MultiCar. Speak to Admiral for a tailored quote.

What documents do I need to make a claim with Admiral?

You will need your policy number, details about the incident, and relevant documentation such as photos, police reports, and contact details of involved parties. For theft, a crime reference number is required. Receipts for personal belongings or repairs may help. Claims can usually be made online, by phone, or by post. Prompt and complete information speeds up claim processing.

Does Admiral cover driving abroad in Europe?

Yes, Admiral provides European cover for up to 90 days per year, depending on your policy. This includes liability and, for comprehensive policies, most UK-level covers. You should notify Admiral before travelling to get a Green Card or required documents. Check which countries are included and any extra requirements. There may be limits on repairs and assistance outside the UK.

Do I have to pay in advance for repairs or assistance with Admiral?

Admiral works with a network of approved garages and, if your repair is handled through them, the insurer usually pays the garage directly. For emergencies like breakdown recovery, Admiral covers costs on your behalf if you have suitable cover. You may be responsible for your excess or non-covered items. If you choose a non-approved repairer, you might need to pay upfront and claim back later. Always check your policy for specific procedures.

How do I cancel my car insurance contract with Admiral?

To cancel, you should contact Admiral’s customer service by phone, post, or email, providing written notice and your policy number. The standard notice period is 14 days for cooling-off and anytime after, but pro-rata and admin fees may apply. You may be asked to send back your certificate of insurance. Refunds are given if applicable, minus charges. Always confirm required documents with Admiral before proceeding.

Is breakdown cover included in all Admiral car insurance policies?

Breakdown cover is standard only on Platinum plans; other levels may offer it as an optional extra. If you want roadside assistance, check your policy documents or add it when purchasing or renewing. The Platinum policy includes 24/7 assistance as standard. Coverage may differ outside the UK. Ensure you’ve selected breakdown assistance if you need it.

Can I add multiple cars or drivers to my Admiral car insurance?

Yes, Admiral offers MultiCar policies allowing you to insure several vehicles under one account, often with discounts. You can add cars and drivers from the same household or even different addresses, depending on eligibility. Each car keeps its own level of cover and claims record. Flexibility is a key feature of MultiCar. Speak to Admiral for a tailored quote.

What documents do I need to make a claim with Admiral?

You will need your policy number, details about the incident, and relevant documentation such as photos, police reports, and contact details of involved parties. For theft, a crime reference number is required. Receipts for personal belongings or repairs may help. Claims can usually be made online, by phone, or by post. Prompt and complete information speeds up claim processing.

Does Admiral cover driving abroad in Europe?

Yes, Admiral provides European cover for up to 90 days per year, depending on your policy. This includes liability and, for comprehensive policies, most UK-level covers. You should notify Admiral before travelling to get a Green Card or required documents. Check which countries are included and any extra requirements. There may be limits on repairs and assistance outside the UK.

Charlotte Green
Charlotte Green
Finance content specialist
HelloSafe
Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.

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