Admiral Car Insurance in the UK: Is It Worth It? 2025 Review
Our expert's review on Admiral
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
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
- Admiral Guarantees
- Admiral Guarantee Exclusions
- The Price Admiral
- Admiral Assistance
- Customer Feedback for Admiral
- Contacting Admiral: A Guide
- FAQ
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 name | Third Party Only | Third Party Fire & Theft | Essential | Admiral | Gold | Platinum |
---|---|---|---|---|---|---|
Formula positioning | Entry | Economy | Standard | Enhanced | High-end | Premium |
Type of cover | Third party only | Third party, fire & theft | Comprehensive | Comprehensive | Comprehensive | Comprehensive |
Reimbursement rate (% of damages covered) | 100% for third party | 100% for covered events | 100% for covered events | 100% for covered events | 100% for covered events | 100% 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) | None | None | None | None | None | None |
Minimum/maximum age for subscription | NC | NC | NC | NC | NC | NC |
Prior risk assessment (medical questionnaire, telematics, driving history) | Standard checks | Standard checks | Standard checks | Standard checks | Standard checks | Standard checks |
Payment facilities (monthly, quarterly, annual) | Monthly/annual | Monthly/annual | Monthly/annual | Monthly/annual | Monthly/annual | Monthly/annual |
Advance payment of claim-related costs | Direct repair network | Direct repair network | Direct repair network | Direct repair network | Direct repair network | Direct repair network |
Compensation at purchase value/agreed value/replacement value | New 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) | Option | Option | ❌ | ✅ | ✅ | ✅ |
Natural disasters (hail, flood, storm, etc.) | NC | NC | NC | NC | NC | NC |
Acts of vandalism | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ |
All-risks damage (accidents of any cause, including at-fault) | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ |
Driver personal injury cover (death, disability, medical expenses) | NC | NC | NC | NC | NC | NC |
Passenger injury cover | NC | NC | NC | NC | NC | NC |
Criminal defence and recourse (basic legal aid after an accident) | Option | Option | Option | Option | ✅ | ✅ |
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | Option | Option | Option | Option | ✅ | ✅ |
Vehicle accessories and modifications (including electric vehicle batteries and cables) | OEM audio: 100%; other up to £1,250 | OEM audio: 100%; other up to £1,250 | OEM audio: 100%; other up to £1,250 | OEM audio: 100%; other up to £1,250 | OEM audio: 100%; other up to £1,250 | OEM 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) | Option | Option | Option (sel.) | Option (sel.) | Option (sel.) | ✅ |
Use abroad (compliance with minimum local cover; optional full cover abroad) | Yes, EU standard | Yes, EU standard | Yes, EU standard | Yes, EU standard | Yes, EU standard | Yes, EU standard |
Vehicle use for professional/business purposes (where applicable) | With endorsement | With endorsement | With endorsement | With endorsement | With endorsement | With endorsement |
Driving other vehicles (third-party only or comprehensive, depending on the insurer) | NC | NC | NC | NC | NC | NC |
Trailer or caravan towing cover | Included with policy | Included with policy | Included with policy | Included with policy | Included with policy | Included with policy |
New car replacement if under 12 months old, written off, or stolen (first owner, specific conditions).
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.
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.
Exclusions | Details |
---|---|
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 |
- Professional carriage of goods or passengers without authorisation
- Use as a taxi or organised ridesharing for profit
- Use beyond geographic area
- Without valid licence
- Under influence of drugs or alcohol
- Driving after vehicle left unsecured or keys not kept safe
- Mechanical or electronic breakdown (unless specifically insured)
- Lack of maintenance
- Use of incorrect fuel
- Travel in excluded countries
- Claims following war, riot, nuclear incidents, terrorism
- Unauthorised use or non-disclosure of changes
- False statements, fraud
- Professional goods (not covered as personal belongings)
- Limited sums for personal effects
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 Only | Third Party Fire & Theft | Essential (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 |
Compare leading policies before choosing to ensure you get the best rate for your needs.
Compare the best car insurance plans for free!Start comparingAdmiral Discount Codes
Promotional codes Admiral | Details |
---|---|
Sponsorship programme | Up to £75 reward for each friend or family member referred who takes out a policy. |
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 service | Average cost UK (£) | Third Party Only | Third Party Fire & Theft | Essential (Comprehensive) | Admiral (Comprehensive) | Gold (Comprehensive) | Platinum (Comprehensive) |
---|---|---|---|---|---|---|---|
Replacement after theft (vehicle) | £12,000 | ❌ | Up 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 | £2,000 | ❌ | ❌ | Up 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) |
*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 Admiral | Availability | Details |
---|---|---|
24/7 roadside breakdown assistance | ✅ | Standard on Platinum, optional for other plans. |
Towing to repair facility / Extended towing | ✅ | Towing to approved repairers after accident or breakdown. |
Assistance from home (0 km) | ✅ | Available, including breakdown at home, but only with assisted plans. |
Replacement vehicle | ✅ | Provided during repairs for major damage or theft, not for minor breakdowns. |
Alternative transport or accommodation | ✅ | Included in Gold and Platinum, covers transport and hotel if more than 25 miles from home after incident. |
Vehicle repatriation | ✅ | For irreparable vehicles abroad, as per territorial extension, subject to prior agreement. |
Assistance abroad | ✅ | Covers up to 90 days per year in Europe and specified countries. |
Assistance for electric vehicles | ✅ | Out-of-charge towing, home charging cable cover up to £1,000 (Platinum, with exclusions). |
Battery assistance & fuel misfuelling | ✅ | Recovery after out-of-charge for EV, misfuelling may require option or is excluded. |
Legal assistance after an accident | ✅ | Included in Gold and Platinum, available as an option in other plans. |
Key recovery & lock replacement | ✅ | Reimbursement for lost/stolen keys and locks, up to £500 per incident. |
Customer Feedback for Admiral
Review site | Rating and number of reviews |
---|---|
Trustpilot | 4.5/5 (127,197 reviews) |
- ✅ 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 Admiral | Contact information |
---|---|
To obtain a quote or take out a policy online | 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 | 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 | 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 | 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 | 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 | 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. |
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.
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.
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.
For emergency or recovery, have policy details and vehicle location ready.
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.
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.