Admiral car insurance review

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

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 short-term 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.

Admiral Car Insurance

Admiral car insurance

  • Windscreen repair available to policyholders (excess applies)
  • Use of a courtesy car whilst your car is being repaired at an Admiral approved garage
  • Unlimited cover for standard audiovisual equipment
  • Cover for driving in Europe for up to 90 days in any single year of cover with Admiral
  • Range of cover includes single car, multi-car and multi-cover
Promoted

Compare Admiral policies

Updated May 27th, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 90 days
No
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes start at £248
Up to 90 days
No
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes start at £248

Compare up to 4 providers

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.

What are Admiral’s cover options?

Admiral offers three levels of cover for car insurance.

Admiral Third Party Cover

Third party cover is the most basic form of car insurance legally accepted on UK roads.

If you are involved in an accident, Admiral will pay out to the third party. However, you won’t be compensated for any damage done to your own vehicle.

Admiral Third Party Fire and Theft Cover

Third party fire and theft cover gives you slightly more protection than the basic third party cover.

If you are involved in an accident, Admiral will pay out to the third party. This cover also protects your car from damage caused by fire or theft.

However, it won’t pay out if your car is damaged in other ways such as a crash.

Admiral Comprehensive Cover

This is the highest level of cover you can get with Admiral.

It includes third party cover, fire and theft cover and a pay-out to repair or replace your car if it is damaged in an accident or suffers malicious damage.

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.

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

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.

Cover benefitsThird PartyThird Party, Fire and TheftComprehensive
Damage to your car
Fire and theft
Liability to other people
Windscreen damageOptionalOptional
Going abroad
No Claims Bonus
Breakdown coverOptionalOptionalOptional
Personal injury coverOptionalOptionalOptional
Hire vehicle coverOptionalOptionalOptional
Bonus acceleratorOptionalOptionalOptional

What policy exclusions are there?

  • Any accident that happens while your car is used by anyone not on listed on your insurance policy
  • If you do not hols a valid driving licence or you are breaking the conditions od your driving licence
  • If your vehicle is being used for criminal purposes, or racing
  • Any accident, injury, loos or damage caused by an earthquake, riot or civil commotion
  • Any injury loss or damage caused from the use of alcohol or drugs
  • If your car is being used to transport dangerous chemicals or gases
  • Any accident when your car is in an area where aircraft usually take off
  • The policy excludes any death, injury, or damage to property caused by an act of terrorism

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?

An excess is the amount of money you contribute when you make a claim. The amount of your excess will vary depending on the car that’s covered, its age and the experience of the drivers on your policy.

It will also depend on whether you have opted to take protected or guaranteed no claims bonus protection.

Make sure to check your Policy Schedule for full details on your policy excess.

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.

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products finder.com has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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