If you’re looking to protect your home from everything life throws your way, you’ll want to find the best home insurance policy to meet your needs.
Own a car? See if you could save on your home insurance by combining your car and home insurance under Admiral’s MultiCover insurance policy.
Admiral offers three levels of home insurance cover and a range of optional extras for their customers. Read on to find out if Admiral has a home insurance policy that’s right for you.
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 and van insurance. It also deals with personal loans and car finance.
Admiral aims to save customers time and money by providing a one-stop place to meet several insurance needs.
Admiral provides three levels of cover. Each has a range of different features and you can select the cover most suitable for you. There are also option extras which you can include in your home insurance cover.
Admiral cover is Admiral’s most basic home insurance package. It offers essential cover for your building and contents against loss or damage caused by a long list of insured events.
Features of this policy include:
Just like Admiral’s basic option, this policy covers you against a wide range of insured events including fire, storm and theft but it also offers additional benefits, including:
Platinum Cover is the highest level of cover on offer at Admiral and is designed for customers who would like extra security.
Admiral home insurance offers additional cover options to enhance protection, including:
Admiral’s home insurance policies offer cover and protection for your home against certain risks. These include:
But Admiral’s home insurance policies also include some extra cover as standard. Check out some of these additional extras below, for a full list and respective cover limits, check out the Admiral key facts document.
| Benefits | Admiral | Admiral Gold | Admiral Platinum |
|---|---|---|---|
| Locks and keys | ✓ | ✓ | ✓ |
| Alternative accommodation | ✓ | ✓ | ✓ |
| Frost damage to plumbing | ✓ | ✓ | ✓ |
| Property owner’s liability | ✓ | ✓ | ✓ |
| Trace and access | ✓ | ✓ | |
| Accidental breakage of glass | ✓ | ✓ | |
| Buildings accidental damage | ✓ | ||
| Freezer food | ✓ | ✓ | ✓ |
| Occupier’s liability | ✓ | ✓ | ✓ |
| Contents temporarily away from your home | ✓ | ✓ | |
| Celebration cover | ✓ | ✓ | |
| Theft From garages and outbuildings | ✓ | ✓ | |
| Garden contents | ✓ | ✓ | |
| Garden plants | ✓ | ✓ | |
| Digital downloads | ✓ | ✓ | |
| Office equipment | ✓ | ✓ | |
| Accidental damage to audio/visual | ✓ | ✓ | |
| New purchases | ✓ | ||
| Contents at university | ✓ | ||
| Fatal injury benefit | ✓ | ||
| Contents accidental damage | ✓ |
An excess is the amount of money you contribute to the insurer when you make a claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. If the nature of your claim is both buildings and contents, the higher excess will be applied. It’s important to refer to your Admiral home policy schedule because it may be that more than one excess applies to your claim:
There are a number of factors that can affect the cost of your Admiral home insurance premium, including:
To make a home insurance claim, you will need to contact Admiral on its general claims number on 0333 220 2035. Lines are open Monday – Friday 8am – 6pm, and Saturday and Sunday from 10am to 4pm.
If you prefer, you can make a claim online by filling out a claim household form. It can take up to 24 hours for the team to review and deal with any claim.
To make a claim, you will need to provide the following information:
If you need emergency assistance for your boiler or home, you can contact the 24 hour emergency helpline 0345 609 4375.
In our 2024 customer satisfaction survey, 83% of customers stated that they would recommend Admiral to a friend. Although some customers have reported that Admiral is “too expensive” the majority state they are “reasonably priced” for the “good level of cover” they provide.
One customer commented: “Good price and customer service advisers are polite and helpful.”
Several have said that the customer service is great and that Admiral’s online portal is efficient, making it easy to make changes to coverage.
Not all comments were totally positive, mainly around Admiral’s payouts and response times. One customer stated: “Boiler broke down, covered by insurance, they failed to attend three times despite messages and appointments. Dreadful.”
If you need to protect your home from mishaps, Admiral has options that you may want to explore. And with three cover levels to choose from, you can choose whether you need basic cover or more comprehensive cover offered in the gold and platinum options.
You can also enhance your policy with a range of optional extras but if you want to keep costs down, then you may want to compare these with policies that include what you need as standard.
Although you can make claims online, if you really want to speak to a claims handler, you’ll need to call within Admiral’s operating hours as its claim line is not open 24/7.
Do some research and compare other home insurance products to get a policy that you’re happy with.
Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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