Admiral car insurance review

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Find out how we rate Admiral's car insurance policies against other top providers.

Admiral offers three levels of car insurance cover and six different types of policy, so you’re likely to find cover to suit your needs.

You say: ★★★★★We say: ★★★★★

In a nutshell:

  • Customers praised good value cover and helpful staff.
  • Claims helplines are not open 24/7.

Multi-car cover

Windscreen cover

Courtesy car cover

Compare Admiral car insurance policies

Data indicated here is updated regularly
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options Link
Admiral Third Party
Up to 90 days
No
No
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Get a quote
Cover from £297. 10% of customers paid less than £297 (July-Dec 2019)
Admiral Third Party, Fire and Theft
Admiral Third Party, Fire and Theft
Up to 90 days
No
No
Black Box Insurance, Classic Car Insurance, Multi Car Insurance
Get a quote
Cover from £297. 10% of customers paid less than £297 (July-Dec 2019)
Admiral Comprehensive
Up to 90 days
Up to £5,000 personal injury cover
Yes
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Get a quote
Cover from £297. 10% of customers paid less than £297 (July-Dec 2019)
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Admiral offers three levels of car insurance cover and six different types of policy, so you’re likely to find cover to suit your needs.

There’s also an option for combined home and car insurance, labelled Admiral MultiCover, and Admiral offers temporary car insurance with Veygo.

We’ve analysed what’s covered and what isn’t under each policy to help you find out if Admiral Car Insurance has the right policy to suit you.

Who is Admiral?

Admiral is a UK-based company which began in 1993, selling car insurance. Since then, Admiral has branched out and now sells a range of insurance products including home insurance, travel insurance and pet insurance.

Admiral aims to save customers time and money by providing a one-stop shop for insurance.

Who underwrites Admiral’s car insurance?

Admiral car insurance is arranged and administered by EUI Ltd. There are a few underwriters for different cover options and some of these include:

  • AmTrust Europe Limited
  • Admiral Insurance (Gibraltar) Limited
  • RAC Motoring Services
  • RAC Insurance Limited

For more information on all of the underwriters, please refer to your policy document.

What’s covered under my policy?

Whether you have third party only, third party, fire and theft, or comprehensive cover will determine what is covered under your policy. Third party only is the minimum cover required by law and only protects you against any damage you cause to others or their property.

Below you can see what the other two cover options offer.

Product NameAdmiral Third Party, Fire and TheftAdmiral Comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Liabilities to third parties
Using the car abroad
No claims discount

What are Admiral’s different policies?

Admiral offers two main policies (single-car and multi-car) and four additional policies. So whether you want to insure just one car or multiple cars, it will have a policy to suit you. Admiral comprehensive policies come with a range of benefits and features included as standard which are included below.

Single-Car Insurance

Single-car insurance is for those who only need to insure one car. Some of the features included with a comprehensive policy are:

  • Windscreen repair
  • Courtesy car
  • European cover
  • Stereo cover
  • Personal injury cover
  • Named driver no claims bonus
  • Use the Admiral App to get a discount on your renewal (91% of customers who tracked at least 500 miles of driving got a discount, between October 2019 and March 2020)
  • Sat-nav and personal belongings cover
  • 24-hour emergency helpline
  • Bonus match
Multi-Car Insurance

If you have multiple cars in your household, Admiral Multi-Car insurance lets you insure them all under one policy. Some of the features included with a comprehensive policy are:

  • Windscreen repair
  • Courtesy car
  • European cover
  • Stereo cover
  • Personal injury cover
  • Named driver no claims bonus
  • Sat-nav and personal belongings cover
  • 24-hour emergency helpline
  • Bonus match
  • Uninsured driver promise
  • Combine cars from different addresses
  • Each car you add to the policy earns its own discount
  • Each car gets its own No Claims Bonus for each year it remains claim free
  • MultiCar customers could save £252 (10% of customers who provided a best alternative price saved £252 between October 2019 and March 2020)
Black Box Insurance

Admiral’s Black Box Insurance is designed for young drivers and newly qualified drivers, as having the LittleBox fitted in your car can lower the high premiums you may face.

Features of this policy include:

  • Free black box installed out of sight in your car
  • Black box is tracker fitted so can be tracked if your car is stolen
  • Check your driving score online
  • No curfews
Classic Car Insurance

If your car is over 35 years old, under 70 years old and has a value of over £1,000 and under £25,000, you could get an Admiral Classic Car discount. You can protect your classic car on a single-car policy or you can add it to your multi-car cover.

Features of this policy with comprehensive cover include:

  • Windscreen repair
  • European cover
  • Stereo cover
  • Personal injury cover
  • Named driver no claims bonus
  • Sat-nav and personal belongings cover
  • 24-hour emergency helpline
  • Bonus Match
  • Agreed valuation fixed for two years
  • Extra multicar discounts available
Learner Driver Insurance

If you are a provisional licence holder, you can get some driving experience with Veygo Learner Driver Insurance. Veygo is a new brand by Admiral that provides insurance for “drivers with no cars”. However, this cover would not be suitable if you own the car you are learning in.

Features of this policy include:

  • Comprehensive cover for you, the person borrowing the car
  • Must be accompanied by a full UK driving licence holder (which ends once you pass your test)
  • Short-term, flexible solution
  • Allows you to get insured on a friend or family member’s car from 2 hours to 90 days
  • This cover works in addition to any cover already in place on the car
  • Owner’s No Claims Bonus won’t be affected if you need to make a claim
Car Sharing Insurance

Admiral’s Car Sharing Insurance offers cover if you want to borrow a friend or family member’s car on a temporary basis. This cover is exclusively for people who don’t own the vehicle and is provided by Veygo, Admiral’s new brand of insurance for “drivers with no cars”.

Features of this policy include:

  • Cover from 1 hour up to 30 days
  • Comprehensive cover
  • Earn a one year’s no-claims bonus
  • Can be purchased up to 60 days in advance or start instantly

Compare other car insurance providers

Data indicated here is updated regularly
Name Product Courtesy car cover Drive abroad in EU? Available Cover Details
Aviva car insurance
Optional extra
Optional extra
Third party fire and theft and comprehensive
Cover for legal costs if you're involved in an accident.
Uninsured driver promise, transport home or to your destination.
Pay monthly, interest free. Named driver and multi-car discount.
Hastings Direct
Yes
Up to 90 days per trip
Third party fire and theft and comprehensive
Windscreen and windows glass cover included as standard in Direct and Premier cover.
Cover for new and young drivers available.
LV= Comprehensive
Optional extra
Up to 180 days a year
Third party only, third party fire and theft and comprehensive
Replacement lock cover, misfuelling and accident cover and lifetime guarantee on eligible repairs*
Multi-car discount available
Churchill Comprehensive
Yes
Up to 90 days
Third party only, third party fire and theft and comprehensive
Replacement, upgrade or the money in case of write-off.
Vandalism and uninsured driver promise. Multi-car options and discounts available.
Saga Comprehensive
Yes
Unlimited
Third party only, third party fire and theft and comprehensive
Unlimited European use cover and uninsured driver protection. Discounts for over-50s.
Sheilas' Wheels Comprehensive
Yes
Up to 90 days
Third party, fire and theft & comprehensive
Cover for handbags and child seats.
Damage to windscreen and window glass included.
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How do I make a claim?

If you need to make a claim on your car insurance policy, you can call the Admiral Claims Department.

If you are claiming on a single-car insurance policy, you can call on 0333 220 2033. If you are claiming on a multi-car insurance policy, you can call 0333 220 2034.

Both claims helplines are open 8am – 9pm on weekdays, 9am – 5pm on Saturdays and 10am – 4pm on Sundays.

If you call outside of the opening hours, you will be redirected to a contracted third party recovery service who will start the claims procedure with you.

What is my excess?

When you make a claim, you have to pay an amount of money towards it – that is called an excess.

The exact amount varies according to a few personal factors, like the type of car that’s covered and the age of both the car and the driver.

Taking out protected or guaranteed no claims bonus protection will also affect your excess.

All the details about your excess terms can be found in your policy schedule.

Admiral car insurance customer reviews

In our 2020 customer satisfaction awards, Admiral car insurance got 4 out of 5 stars, and 76% of customers said they would recommend the service.

Here is some of the feedback we got from Admiral car insurance customers:
“Easy to deal with and provide good cover at a good price.”

“Very competitive prices and friendly and competent customer service.”

“Had car insurance with this provider for 2 years. Dealings satisfactory.”

“They were very competitive at first, but on the second year their prices have now started to increase a lot and I have had to really haggle to get the price down and match the lowest quote I got.”

“I have had no issues with them. They are straight forward and easy to deal with.”

Online reviews for Admiral car insurance:
Feedback for Admiral car insurance is mixed across a number of review platforms (updated on 5 June 2020):

Trustpilot Google Play Apple App Store

★★★★★

3.6 out of 5
Based on 6,284 reviews

★★★★★

2.4 out of 5
Based on 258 reviews

★★★★★

4.1 out of 5
Based on 285 reviews

Customers seem to have a range of experiences to share relating to Admiral’s claim handling, with some reporting smooth sailing and others complaining of unfair treatment.

Admiral pros and cons

Pros

  • Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage.
  • Voted by consumers as the “Best Car Insurance Provider 2017/18” for the fifth year running (Personal Finance Awards).
  • European cover for up to 90 days.

Cons

  • There isn’t that much information about Admiral’s third party only or third party, fire and theft policies on its website.
  • Claims helplines are not open 24/7. Calling outside of the opening hours will mean you’ll be redirected to a contracted third party recovery service.

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.

Our full car insurance methodology can be found here.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

Expert review

Danny Butler

Review by


Danny is a publisher at Finder specialising in car, life, home, business and pet insurance. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.

Expert review

Admiral is one of the most reputable insurance companies in the UK. It offers a very diverse range of policies, and so is a good option for a variety of circumstances and budgets.

The main downside is that the company does not run a 24/7 claims line. You’ll still be able to get help outside of the operating hours, but it might not run as smoothly.

Of course, a car insurance quote is a very personal thing, so comparing your options is always a good idea.

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