Admiral has a range of policies including black box, classic car and learner driver policies.
The company’s comprehensive policies offers a good level of cover, with benefits including courtesy car and windscreen repair. Customers in our surveys think highly of the service, with Admiral winning Finder's 2024 Customer Satisfaction Award.
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: Customer service
Pros
Additional car discount
Europe coverage
Highly rated service
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 4 levels of comprehensive car insurance cover, as well as third party only and third party, fire and theft. It also has a range of policy options tailored to different drivers, including van insurance and black box insurance.
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 MultiCar). Both are avaialable as third party only, third party, fire and theft and comprehensive. Comprehensive comes in Essential, Standard, Gold and Platinum. 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 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
If you have multiple cars in your household, Admiral MultiCar cover lets you insure them all under 1 policy. On its website, Admiral states that 10% of its customers saved at least £330 with MultiCover versus like for like single policies from September 2023 to February 2024. 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
Admiral’s LittleBox 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
Admiral’s van insurance is designed for flexibility – covering small, transit and larger 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
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
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
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?
You can make a claim on Admiral’s website or by calling 0333 220 2033. It’s available Monday to Friday from 8am–8pm, Saturday from 9am–4pm and Sunday from 10am–4pm.
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 78,000 reviews of its insurance overall (so not just its car insurance) (last updated in May 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
How to cancel a car insurance policy with Admiral
To cancel your Admiral car insurance policy, you’ll need to call 0333 220 2000. Some policies allow you to put in a cancellation request online as well.
More information on cancelling your policy can be found here.
Frequently asked questions
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 MultiCar 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 £330 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.
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.
You can check your expiry date and other policy documents online.
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