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. Customers in our surveys 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
Discount for additional cars
European cover as standard
Customer satisfaction award winner
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.
Admiral offers 3 levels of car insurance cover and 6 different types of policy. The company is particularly known for its multi-car policies, and our insurance experts picked Admiral as the best provider in this category, based on their analysis. Admiral’s multi-car policy allows you to have just one renewal date, aligning each time a new car is brought onto the policy. Each car that’s on the policy for more than 3 months also gets a full year of no-claims bonus added. And if you need to make a claim, the no-claims for other cars on the policy won’t be affected. Our review covers MultiCar – including how much you could save – and Admiral’s other options.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
Product Name
Admiral Third Party, Fire and Theft
Admiral 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 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 is for those who only need to insure 1 car. Some of the features included with a comprehensive policy are:
Use the Admiral app to get a discount on your renewal
Sat-nav and personal belongings cover
24-hour emergency helpline
Bonus match
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
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
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
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
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 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 2033. The opening hours are:
Monday to Friday: 8am–8pm Saturday: 9am–4pm Sunday: 10am–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 the car insurance category in the Finder Customer Satisfaction Awards in 2024, with 93% of customers saying they’d recommend the service to a friend. Feedback included praise for its pricing, and many customers described Admiral as “reliable”.
One customer commented: “They responded quickly when my car windscreen got damaged in the summer.”
Not all comments were totally positive. Another customer said: “Admiral offer competitive prices and are generally reliable and trustworthy. It can sometimes take a long time to get through to speak to someone on the phone.”
On the reviews platform Trustpilot, Admiral has a score of 4.5 out of 5 – classed as “Excellent” – based on more than 58,000 reviews of its insurance overall (so not just its car insurance) (last updated in February 2024).
What proportion of Admiral car insurance customers would recommend it to friends/family?
Response
Average for all brands in our survey
Admiral customers
This year
80.55%
92.59%
Last year
78.53%
86.02%
Source: Finder survey by OnePoll of 750 Brits
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
Yes. When you get a quote online, you can choose for your cover to start the same day.
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.
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.
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.
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.
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.
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.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. 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.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
