Admiral car insurance review 2020

Read our guide to the key features of an Admiral car insurance policy, and find out if it's right for you.

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Admiral Car Insurance
Customers say
★★★★★
Customer satisfaction
Customers praised good value cover and helpful staff
No 24/7 claims helpline
Admiral Car Insurance

Admiral car insurance‎

  • Windscreen repair available to policyholders (excess applies)
  • Use of a courtesy car while your car's being repaired at an Admiral approved garage
  • Cover for driving in Europe for up to 90 days in any single year of cover with Admiral
  • Great value cover for your car from only £297 (10% of customers paid less than £297 during July-Dec 2019)
  • MultiCar customers could save £255 (10% of customers who provided a best alternative price saved this during July-Dec 2019)
Promoted

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, 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 number of 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.

Compare Admiral car insurance policies

Updated March 31st, 2020
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Admiral Third Party
Admiral Third Party
Up to 90 days
No
No
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Cover from £297. 10% of customers paid less than £297 (July-Dec 2019)
Admiral Party Fire and Theft
Admiral Party Fire and Theft
Up to 90 days
No
No
Black Box Insurance, Classic Car Insurance, Multi Car Insurance
Cover from £297. 10% of customers paid less than £297 (July-Dec 2019)
Admiral Comprehensive
Admiral Comprehensive
Up to 90 days
Up to £5,000 personal injury cover
Yes
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Cover from £297. 10% of customers paid less than £297 (July-Dec 2019)

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What’s covered under my policy?

Whether you have third party, 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 option offer.

Product NameAdmiral 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 comes with a range of benefits and features included as standard which are included below.

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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
  • 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
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 are a new brand by Admiral who provide 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 Claim Bonus
  • Can be purchased up to 60 days in advance or start instantly

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 them on 0333 220 2033. If you are a 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 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 or third party, fire and theft policies on Admiral’s 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.

Verdict

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.

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.
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.
*51% of consumers could save £264.64 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.

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