Admiral Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyThis is the ultimate review to guide you through Admiral car insurance.
You might already know that Admiral offers several car insurance policy options.
Some are great, others not so much.
So if you want to get:
- Better value for money for your car insurance
- Indicative quotes
- Tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Is Admiral the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
We’ve studied in detail Admiral car policy terms and conditions and given our own ratings based on different criteria.
4,3 Safe overall rating for Admiral
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Important customer satisfaction rates | |
| Cover provided |
Wide range of options in addition to the three main covers (gap insurance etc.) | |
| Value for money |
Bonus accelerator (get your NCB after 10 instead of 12 months) | |
| Financial strength for pay out | High company’s ability to pay out a claim | |
| Technology |
100% available online |
Expert and customer reviews on Admiral
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Admiral's reputation.
| Review organisation | Consumer satisfaction rates for Admiral |
|---|---|
| Defaqto expert rating for Admiral |  |
| TrustPilot | 3,9/5 based on more than 5600 reviews |
To check if Admiral is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.
Our review on Admiral car insurance policy
On a general point of view, rates applied by Admiral are well received by its customers. The Personal and Finance Awards website ranked Admiral as the best car insurance provider of the UK for the past three years.
The customer satisfaction is high and seems to reflect positive user experience on the website as well as an attentive customer service.
What does Admiral car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Admiral?
| Car insurance policy | Available at Admiral | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at Admiral explained in details
Let's find out what does Admiral covers in its car insurance policy.
Breakdown cover at Admiral
- 24h/h roadside recovery and rescue
- Unlimited roadside callouts
- Misfuelling cover to continue your journey
- Compatible with caravans and trailers up to 23 feet
- Possibility to add European cover
- Can be either added as an upgrade or is directly included in the comprehensive level of cover.
Keycare cover at Admiral
Up to £2000 for the replacement of car keys in case they are stolen or broken (£300 in standard policy).
Windscreen cover at Admiral
- Windscreen, windows and sunroof repair and replacement
- Scratching caused by broken glass
- Can be either added as an upgrade or is directly included in the comprehensive level of cover
- Not available for courtesy car
- Claim on windscreen, window or sunroof doesn’t affect NCB.
Motor legal protection at Admiral
Up to £100 000 of legal costs in case you are involved in an accident that is not your fault.
Personal policy injury available at Admiral
Up to £100 000 or personal injury cover for you (the driver) and your spouse in case you are involved in an accident (£5000 in standard policy).
Coverage abroad at Admiral
Admiral car insurance also covers your travel in Europe, up to 90 days, if you are going in one of the countries mentioned on the following list. Your car insurance policy provides the necessary cover to comply with the laws regarding compulsory insurance of motor vehicles in any country listed below:
Andorra, Estonia, Italy, Norway, Slovakia, Austria, Finland, Latvia, Poland, Slovenia, Belgium, France, Liechtenstein, Portugal, Spain, Bulgaria, Germany, Lithuania, Republic of Cyprus, Sweden, Croatia, Greece, Luxembourg, Republic of Ireland, Switzerland, Czech Republic, Hungary, Malta, Romania, Denmark, Iceland, Netherlands, Serbia.
Courtesy car at Admiral
Loaned car replacement is the vehicle is written off or stolen for up to 21 days for full licence holders.
Bonus accelerator at Admiral
Bonus accelerators available to get your NCB after 10 months instead of 12.
Gap insurance at Admiral
Admiral provides gap insurance, that means the shortfall between the value of the car at the moment of the claim and the value of the car when you bought it.
No-Claim Bonus (NCB) at Admiral
Good to know: if you renew your car insurance policy, you can bring your NCB bonus from your previous contract. You will just need to send to Admiral your last NCB insurer’s report.
You will find below Admiral’s No-Claim bonus rates proposed to their drivers:
- One year NCB – 2%
- Two years NCB – 14%
- Three years NCB – 16%
- Four years NCB – 26%
- Five years NCB – 27%
- Six years NCB – 27%
- Seven years NCB – 30%
- Eight years NCB – 33%
- Nine years NCB or more – 37%
If the incident is not your fault and:
Admiral makes a full recovery from the responsible person, your no claims discount will remain unaffected
Admiral is not able to recover the cost, your no claims discount will be reduced at the renewal of your policy
Additionally, your No Claim Bonus will not be affected if someone on your multi-car policy (but not you) is involved in an accident.
If the incident is your fault your no claims discount will be reduced. For each incident settled against you, you will therefore lose 2 years No Claims Bonus at the start of the next policy term.
However, if you have paid extra to protect your NCB, it might remain the same depending on the option chosen.
You can make certain claims without affecting your No Claim Bonus such as:
- payments made for windscreen damage
- payments for emergency treatment fees
- a claim where the incident is caused by an identified uninsured driver
- claims which are not your fault where Admiral insurance have recovered all their money.
At Admiral, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.
NCB protection claims (number per year): 2 claims in 3 years.
Good to know
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
Admiral car insurance terms and conditions
How much does Admiral car insurance cost?
You'll find below indicative car insurance quotes at Admiral:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £102,67 |
| 40 years old | £42,34 |
| 60 years old | £31,22 |
Costs of Admiral insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at Admiral?
Discounts are available at Admiral:
- 15% as employee or employee’s relative.
- 10% for first Veygo policy for learner driver, temporary cover, car sharing.
| Discount types | Comment |
|---|---|
| Discounts | - 15% as employee or employee’s relative. - 10% for first Veygo policy for learner driver, temporary cover, car sharing. |
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!
Admiral car insurance policy summarized
Guarantees
| At Admiral | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | £300 as a standard - £2,000 per year (optional) |
| Personal belongings | £150 |
| Audio equipment | No |
| Medical expenses | £100 |
| Liability limit for property damage | £20,000,000 |
| Legal expense | £100,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repairs or up to 21 days if total loss. |
| Coverage abroad | 90 days |
Excess
| At Admiral | |
|---|---|
| Fire excess | £150 - £750 |
| Theft excess | £150 - £750 |
| Accidental damage excess | £0 - £750 |
| Windscreen replacement excess | £250 |
| Young driver excess | £250 |
Admin fees
| At Admiral | |
|---|---|
| Interest charged by payment installments | Variable |
| Renewal fees | £0 |
| Cancellation fees | Cancellation fees during cooling off period:
Cancellation fees outside cooling off period:
|
| Modification fees |
|
Other car insurance policies available at Admiral
Admiral multi-car insurance
Admiral multi cover (also rated 5 stars by Defaqto) allows:
- to cover up to seven cars including classic cars in one unique policy
- to combine car and home policies for you and your relatives
- to get only one renewal date for every insurances
- to get discounts from insurances bundle
- to get a one year full NCB Bonus as long as cars are insured for more than 3 months.
Admiral black-box insurance
Admiral Little Box (rated 5 stars by Defaqto expert rating) offers to anyone to subscribe a black box car insurance policy.
A black box insurance policy uses Telematics technology to analyze the way you drive and come up with a specific fare tailored for you.
How does it work:
- you set up a time and place to have an engineer installing the little box in your car
- you let the box analyze your driving habits (speed, breaking habits, frequency of driving)
- Admiral tailors your annual policy premium depending on your way of driving.
Admiral classic car insurance
Admiral offers the possibility to get covered for your classic cars as well as to include them in a multi car cover.
A classic car is:
- a car who is over 35 years old but above 70
- valued between 1000 and £25 000.
For example an Austin Mini Land Rover, a Porsche 911, a Triumph TR6 are well known classic cars.
Admiral short term cover
The Veygo offer from Admiral, built for drivers with no cars, allows any driver to be covered for an hour, a day, a week or a month depending on his needs with a 100% online process, very quick and easy.
The main users are:
- learning drivers (accompanied by a UK driving licence holder up to 21 – car owner or not – and with a driving licence for more than three years)
- people using car sharing
- people renting their car (above 21).
100% online, you can book your car with Veygo in four easy steps:
- select date and timing of location
- get quotes
- pick car model
- create an account and pay.
The Veygo car insurance offer is split between the three options below.
Temporary car insurance:
- covered as soon as you have paid
- buy in advance up to 60 days
- 1h to 30 days cover
- driver NCB protected
- estimated total rental price: 7,69£for 1h, 30,89£for 2 days, 184,35£for 4 weeks
Learner driver insurance:
- covered as soon as you have paid
- buy in advance up to 60 days
- 2h to 90 days cover
- driver NCB protected
- estimated total rental price: 6,40£for 2h, 14,96£for 2 days, 53,53£for 30 days
Car rental insurance (for people aged between 21 and 25 years old):
- covered as soon as you have paid
- buy in advance up to 6 months
- up to 30 days
- driver NCB protected
- estimated total rental price: 43,70£for 1 day, 316,69£for 14 days
Admiral learner driver car insurance
See above section with Veygo offer, also made for learner drivers.
Admiral business car insurance
When you subscribe to a car insurance policy, you always need to mention what you are using your car for.
At admiral, there are six different types of car use:
- social, domestic and pleasure use for the day-to-day driving
- social and commuting for regular journeys
- business class 1 for someone who mainly uses his car for domestic reasons but might often need it as well to visit some work places for example
- business class 2 same as class 1 but with additional guarantee for a named driver
- business class 2 for salesmen
- commercial for cars used all day long such as driving instructor.
Before using your car for business reasons, don’t forget to tell Admiral ! You may need an extra coverage to be covered in case you are involved in an accident.
That might impact your annual insurance fee but will prevent you from any non-disclosure problem in case you need to get refund.
Admiral van insurance
In addition to the level of protection offered for a standard single car insurance, Admiral van insurance add two additional coverage options:
- own goods cover: if you use your car for you daily job (plumber, carpenter etc.)
- haulage: if you use your car to transport and deliver third party goods.
You can also bundle your car and van insurance in a Multi-car cover policy.
How to contact Admiral auto insurance?
Admiral phone numbers
You will find all important phone numbers to contact Admiral car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer service | 0 333 220 2000 | Monday – Friday from 8 am to 8 pm |
Renewals | 0 333 222 6715 | Monday – Friday from 8 am to 8 pm |
Add a car to existing policy | 0 330 134 3242 | Monday – Friday from 8 am to 8 pm |
Make a claim | 0 333 220 2033 | Monday – Friday 8am – 9pm |
Roadside emergency | 0 800 600 840 | 24h/24 and 7d/7 |
Glass Repair service | 0 333 220 2025 | 24h/24 and 7d/7 |
Admiral other contact details
You'll find below Admiral main contact details:
| Contact details of Admiral | |
|---|---|
| Email address | |
| Customer account with Admiral login | Admiral My Account + login details |
| Social media | Twitter, facebook message |
| Chatbot | No |
You can also contact them by mail by writing to Admiral car insurance:
1, Langdon Road, Swansea Waterfront
Swansea, SA1 8AG
United Kingdom
How to claim at Admiral?
You can make a claim on My Account or by calling the helpline.
| Service | Car claim |
|---|---|
| Claim online | Connect to My Account as explained above and follow the process. You will need to provide:
|
| Claim by phone | 0 333 220 2033 |
How to cancel your car insurance at Admiral?
You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.
Since car insurance is a legal requirement, Admiral as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Admiral has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.
Let's find out how to cancel at Admiral:
| Administrative fees | |
|---|---|
| Cancel by phone | 0 333 220 2000 |
You would need to have various documents ready such as:
- your policy number (right hand corner of your documents);
- your bank details; and
- your payment method in case there are cancellation fees.
Admiral could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.
