Admiral car insurance review

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Customers appreciated the refunds given during lockdown

Initial renewal quote can be high and require negotiation

Our verdict

Our verdict

Admiral has a range of policies including black box, classic car and learner driver policies.

The company’s comprehensive policy offers a good level of cover, with benefits including courtesy car and windscreen repair. Its rating based on customer feedback in our 2021 survey shows that customers think highly of the service.

The downside is that the claims line isn’t open 24/7, though there is an emergency third-party recovery service available outside office hours.

If you’ve decided that Admiral car insurance isn’t for you, you can also compare other car insurance policies to find a better fit.

Best for: Multi-car

Pros

• Admiral’s comprehensive policies include the use of a courtesy car if yours is being repaired at an Admiral-approved garage.
• 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.

★★★★★

User survey

★★★★★

Finder score

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Multi-car cover

Windscreen cover

Courtesy car cover

Compare Admiral car insurance policies

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Name	Product	Courtesy car cover	New car replacement	EU Cover	Personal accident cover	Multi-car discount	Link
Admiral Third Party					No		Get a quote	Finder's summary: 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. Who it might be good for: Someone looking to be covered by the minimum cover required by law.	Compare	loading Fetching your data...
Admiral Third Party, Fire and Theft					No		Get a quote	Finder's summary: In our 2021 customer satisfaction awards, Admiral car insurance got 4 out of 5 stars for their car insurance service. Admiral has a range of products on offer to cater for a variety of needs, including black box, classic car and learner driver policies. Who it might be good for: Someone looking for a trusted company policy that has the option to easily upgrade to a higher level of cover.	Compare	loading Fetching your data...
Admiral Comprehensive					Up to £5,000 personal injury cover		Get a quote	Finder's summary: Admiral has a range of products on offer to cater for a variety of needs, including black box, classic car and learner driver policies. The company’s comprehensive policy offers a good level of cover, with benefits including courtesy car and windscreen repair. Customers love the company’s policy, which is evident in the awards Admiral has received. Who it might be good for: Someone who wants a well rounded comprehensive policy that caters to a range of needs.	Compare	loading Fetching your data...

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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.

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

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

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 2 cover options offer.

What are Admiral’s different policies?

Admiral offers 2 main policies (single-car and multi-car) and five additional policies. So whether you want to insure just 1 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

  Single-Car Insurance is for those who only need to insure 1 car. Some of the features included with a comprehensive policy are:

  • Windscreen repair
  • Courtesy car
  • European cover
  • Stereo cover
  • Personal injury cover
  • Use the Admiral app to get a discount on your renewal (86% of customers who tracked at least 500 miles of driving got a discount, between December 2020 and May 2021)
  • Sat-nav and personal belongings cover
  • 24-hour emergency helpline
  • Great-value cover from £265 (10% of customers paid less than £265 between January and June 2021)
  • Bonus match

• MultiCar

  MultiCar

  If you have multiple cars in your household, Admiral MultiCar cover lets you insure them all under one policy. On its website, Admiral states that 10% of its customers saved £239 with Admiral MultiCar. Some of the features included with a comprehensive policy are:

  • Windscreen repair
  • Courtesy car
  • European cover
  • Stereo cover
  • Personal injury cover
  • 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 £239 (10% of customers who provided a best alternative price saved £239 between January and June 2021)

• Black box insurance

  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
  • Save 30% with Admiral LittleBox – 10% of customers who provided a best alternative price saved 30% between July and December 2020 (based on 150 Admiral customers)
  • Check your driving score online
  • No curfews

• Van insurance

  Van Insurance

  Admiral’s Van Insurance is designed for flexibility – covering small, transit and vans up to 3.5 tonnes with a number of different policy options to choose from.

  Features of this policy include:

  • Comprehensive, third party, fire and theft and third party only
  • Black box van insurance options available
  • Courtesy van and windscreen repair included as standard
  • EU cover (up to 90 days) included as standard

• Classic car insurance

  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
  • Sat-nav and personal belongings cover
  • 24-hour emergency helpline
  • Bonus Match
  • Agreed valuation fixed for 2 years
  • Extra multi-car discounts available

• Learner driver insurance

  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

  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 1 year’s no-claims bonus
  • Can be purchased up to 60 days in advance or start instantly

How do I make a claim?

On Admiral’s site, go to the “Contact us” page, where you can choose from a wide range of options (including information on how to make a claim).

If you’d like to speak to someone in the customer services team, call 0333 220 2000. The opening hours are:

Monday to Friday: 8am–7pm
Saturday: 9am–5pm
Sunday: 9:30am–4pm

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

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

Admiral won our 2023 customer satisfaction survey, with 86% of customers said they’d recommend the service to a friend. Feedback included praise for its pricing and customer service.

Admiral pros and cons

Frequently asked questions

• Can I get insurance that starts immediately?

  Yes. When you get a quote online, you can choose for your cover to start the same day.

• Can I pay for Admiral car insurance in instalments?

  Some policies allow you to pay in monthly instalments, but you’ll need to contact Admiral’s sales team to check if this applies to you.

  If you are taking out a multi-car policy, payments for all cars have to be made with the same payment method.

• Does Admiral car insurance cover imported cars?

  Admiral will insure your vehicle if it is registered in the UK. If you purchase a vehicle outside of the UK and wish to drive the car home, insurance must be arranged in the country of purchase.

• How much discount do you get with Admiral MultiCar?

  With Admiral MultiCar, you could save up to £239 on your car insurance when you insure more than 1 vehicle.

  You’ll get an immediate discount when the policy starts and every car you add earns its own discount. Every car that’s on Admiral MultiCar for more than 3 months gets a full year of no-claims bonus added, and if you need to make a claim, it will only affect the car in question.

• How do you cancel a car insurance policy with Admiral?

  To cancel your Admiral car insurance policy, you’ll need to get in touch with it directly through phone or email.

  More information on cancelling your policy can be found here.

• Does Admiral car insurance include breakdown cover as standard?

  Unfortunately, breakdown cover is listed as a separate policy so it isn’t included in any Admiral car insurance policies as standard.

  However, you can add it to your policy as an optional extra and choose from 3 different levels of breakdown cover.

• Can I drive any car with an Admiral comprehensive policy?

  If you’re the policyholder and you’re aged 25 or over, then Admiral may be able to arrange third party cover for you to drive someone else’s car.

  However, you should check the motor insurance policy document to confirm if this applies to you.

• What is the telephone number for admiral car insurance?

  You can call admiral on 0333 220 2000.

  Opening hours are:
  Monday to Friday: 8am–7pm
  Saturday: 9am–5pm
  Sunday: 9:30am–4pm