Admiral Car Insurance Review

antoine fruchard Antoine Fruchard  updated on September 24, 2020

This is the ultimate review to guide you through Admiral car insurance.

So if you want to get cover details, better value for money for your car insurance and tips to lower your insurance premium, then you might love the following article.

Let’s dive right in!

Is Admiral a good car insurance company?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Admiral car policy terms and conditions and given our own ratings based on different criteria.

4,3 Safe overall rating for Admiral

Our ratingOur opinion
Customer service & satisfaction

Important customer satisfaction rates
Customer service unavailable and length of procedure when it comes to claims and refunds

Cover provided

Wide range of options in addition to the three main covers (gap insurance etc.)
Flexible and on demand offer for temporary car loans
Driving abroad option in a wide variety of countries
Named driver no-claim bonus
Uninsured driver guarantee
Lifetime repair guarantee
Onward travel costs not covered

Value for money

Bonus accelerator (get your NCB after 10 instead of 12 months)
Not the lowest price for the basic coverage basket
Cancellation fees even during the cooling off period
Charges sometimes increase without justification

Financial strength for pay out

High company’s ability to pay out a claim

Technology

100% available online
User experience on the website well thought
Use of new technologies (Black Box, online subscription)

Safe rating for Admiral

Expert and customer reviews on Admiral

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Admiral’s reputation.

Review organisationConsumer satisfaction rates for Admiral
Defaqto expert rating for Admiral defaqto 5 stars
TrustPilot3,9/5 based on more than 5600 reviews
Consumer satisfaction rates on reviews for Admiral

To check if Admiral is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Our opinion on Admiral car insurance policy

Admiral is a very trustworthy Welsh company, part of the Admiral Group, one of the leading insurance provider in the UK also owning Diamond, Elephant, Bell, Gladiator or the comparison website Confused.
The company is authorised and regulated by the Financial Conduct Authority. The company was the birst branch of the group founded in 1993 by Henry Engelhardt and now offers along with home insurance, car and travel cover as well as financial products.
Admiral is also present in a large number of countries across different brand names such as LeLynx in France, Rastreator in Mexico, Balumba in Spain, or Compare.com in USA.
The group is listed on the London Stock Exchange since 2004. The group had an annual revenue of £3,28 billion in 2018.

Admiral’s comprehensive policy is rated 5 stars by the expert Defaqto.
The company has great customer reviews on both Reevoo and smartmoneypeople which means that the claim process must be handled promptly and efficiently.
Admiral website is customer friendly and well documented. Customers will enjoy online claim process as well as My Account to manage policies online.
The Personal and Finance Awards website ranked Admiral as the best car insurance provider of the UK for the past three years. In addition to great cover under the comprehensive plan, Admiral offers MultiCover deals for anyone buying several policies with interesting discount. You can also benefit from cashback at renewal. As nice-to-have features, the company offers gap insurance and bonus accelerator to boost your NCB.

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What does Admiral car insurance policy cover?

Admiral offers the three levels of cover:

  • Third Party Only
  • Third Party Fire and Theft
  • Comprehensive.

CoverComprehensiveThird Party Fire & TheftThird Party only
Windscreen Cover (repair & replace)yesOptionalOptional
Courtesy Car while yours is repaired at a fitted manufactureryesyesno
European Cover – 90 daysyesyesyes
Drive Other Carsyesyesyes
Named Driver NCByesyesyes
Audio coveryesyesno
24hr Emergency Coveryesyesno
Replacement Lock Covermax £300max £300no
Personal Belongings Cover£150 or £500 for campers vansnono
Personal Injury Cover£5,000nono
Child Car Seat Coveryesnono
New Car Replacement benefit (up to 12 months)yesnono
Admiral car insurance policies

What does Admiral Comprehensive car insurance cover in details?

Breakdown cover

  • 24h/h roadside recovery and rescue
  • Unlimited roadside callouts
  • Misfuelling cover to continue your journey
  • Compatible with caravans and trailers up to 23 feet
  • Possibility to add European cover
  • Can be either added as an upgrade or is directly included in the comprehensive level of cover.

Courtesy car

Loaned car replacement is the vehicle is written off or stolen for up to 21 days for full licence holders.

Personal accident

Up to £100 000 or personal injury cover for you (the driver) and your spouse in case you are involved in an accident (£5000 in standard policy).

Windscreen cover

  • Windscreen, windows and sunroof repair and replacement
  • Scratching caused by broken glass
  • Can be either added as an upgrade or is directly included in the comprehensive level of cover
  • Not available for courtesy car
  • Claim on windscreen, window or sunroof doesn’t affect NCB.

Motor legal protection

Up to £100 000 of legal costs in case you are involved in an accident that is not your fault.

Other guarantees offered at Admiral

  • Courtesy car: depending on availability
  • Courtesy car limit: time needed to repair
  • Total loss courtesy car period: 21 days (as optional extra)
  • Windscreen/window damage: unlimited if approved repairer or £50
  • Sunroof damage: unlimited if approved repairer or £50
  • Personal belongings: 150
  • Medical expenses: £100 (physiotherapy treatment included)
  • Audio equipment: unlimited if manufacturer fitted, or £1.250
  • Sat Nav: unlimited if manufacturer fitted, or £1.250
  • Child car seat: market price
  • Misfuelling cover: no
  • Repairs guarantee: lifetime
  • Coverage abroad: 90 days (as standard)
  • Personal accident cover (hospitalisation): £50,000 – £100,000 (extra)
  • Liability limit for property damage (including legal expenses): £20M
  • Onward travel cost if accident: not covered
  • Accomodation cost: not covered
  • Driving other cars extension: third-party only, covers only policy holders
  • Claim-free years for maximum NCB: 15 years
  • Can other drivers get NCB?: Yes
  • NCB protection: optional, 2 claims/3y
  • New car benefit: 59%,12 months

Excess and fees at Admiral

Excess

  • Fire & theft excess: £150 – £750
  • Accidental damage excess: £0 – £750
  • Non-approved repairer excess: £0
  • Windscreen replacement excess: £115
  • Windscreen repair excess: £25
  • Young driver excess: £250
  • Excess protection: no

Fees

  • Interest on monthly payment: Depends on the underwriter
  • Cancellation fees during cooling off period: £25
  • Cancellation fee outside cooling off period: £55
  • Renewal fee: £0
  • Adjustment fee: £9,50 online or £25 on the phone
  • Payment default fee: £7,50
  • Underwritter: Admiral Insurance Company Limited and Great Lakes Insurance SE

Admiral car insurance terms and conditions

How much does Admiral car insurance cost?

You’ll find below indicative car insurance quotes at Admiral:

Drivers’ageMonthly premium
18 years old£102,67
40 years old £42,34
60 years old£31,22
Quotes above are for a comprehensive car insurance – eco car, clean record driver, Liverpool

Costs of Admiral insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver’s record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

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Is there any promo codes or discounts available at Admiral?

Discounts are available at Admiral:
– 15% as employee or employee’s relative.
– 10% for first Veygo policy for learner driver, temporary cover, car sharing
– £100 cashback available online on the Admiral website on policy renewal.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

What are the other car insurance policy types available at Admiral?

Admiral multi-car insurance

Admiral multi cover (also rated 5 stars by Defaqto) allows:

  • to cover up to seven cars including classic cars in one unique policy
  • to combine car and home policies for you and your relatives
  • to get only one renewal date for every insurances
  • to get discounts from insurances bundle
  • to get a one year full NCB Bonus as long as cars are insured for more than 3 months.

Admiral black-box insurance

Admiral Little Box (rated 5 stars by Defaqto expert rating) offers to anyone to subscribe a black box car insurance policy.
A black box insurance policy uses Telematics technology to analyze the way you drive and come up with a specific fare tailored for you.
How does it work:

  • you set up a time and place to have an engineer installing the little box in your car
  • you let the box analyze your driving habits (speed, breaking habits, frequency of driving)
  • Admiral tailors your annual policy premium depending on your way of driving.

Admiral classic car insurance

Admiral offers the possibility to get covered for your classic cars as well as to include them in a multi car cover.
A classic car is:

  • a car who is over 35 years old but above 70
  • valued between 1000 and £25 000.

For example an Austin Mini Land Rover, a Porsche 911, a Triumph TR6 are well known classic cars.

Admiral short term cover

The Veygo offer from Admiral, built for drivers with no cars, allows any driver to be covered for an hour, a day, a week or a month depending on his needs with a 100% online process, very quick and easy.
The main users are:

  • learning drivers (accompanied by a UK driving licence holder up to 21 – car owner or not – and with a driving licence for more than three years)
  • people using car sharing
  • people renting their car (above 21).

100% online, you can book your car with Veygo in four easy steps:

  • select date and timing of location
  • get quotes
  • pick car model
  • create an account and pay.

The Veygo car insurance offer is split between the three options below.

Temporary car insurance:

  • covered as soon as you have paid
  • buy in advance up to 60 days
  • 1h to 30 days cover
  • driver NCB protected
  • estimated total rental price: 7,69£for 1h, 30,89£for 2 days, 184,35£for 4 weeks

Learner driver insurance:

  • covered as soon as you have paid
  • buy in advance up to 60 days
  • 2h to 90 days cover
  • driver NCB protected
  • estimated total rental price: 6,40£for 2h, 14,96£for 2 days, 53,53£for 30 days

Car rental insurance (for people aged between 21 and 25 years old):

  • covered as soon as you have paid
  • buy in advance up to 6 months
  • up to 30 days
  • driver NCB protected
  • estimated total rental price: 43,70£for 1 day, 316,69£for 14 days

Admiral learner driver car insurance

See above section with Veygo offer, also made for learner drivers. 

Admiral business car insurance

When you subscribe to a car insurance policy, you always need to mention what you are using your car for.

At admiral, there are six different types of car use:

  • social, domestic and pleasure use for the day-to-day driving
  • social and commuting for regular journeys
  • business class 1 for someone who mainly uses his car for domestic reasons but might often need it as well to visit some work places for example
  • business class 2 same as class 1 but with additional guarantee for a named driver
  • business class 2 for salesmen
  • commercial for cars used all day long such as driving instructor.

Before using your car for business reasons, don’t forget to tell Admiral ! You may need an extra coverage to be covered in case you are involved in an accident.
That might impact your annual insurance fee but will prevent you from any non-disclosure problem in case you need to get refund.

Admiral van insurance

In addition to the level of protection offered for a standard single car insurance, Admiral van insurance add two additional coverage options:

  • own goods cover: if you use your car for you daily job (plumber, carpenter etc.)
  • haulage: if you use your car to transport and deliver third party goods.

You can also bundle your car and van insurance in a Multi-car cover policy.

How to contact Admiral car insurance?

Admiral phone numbers 

You will find all important phone numbers to contact Admiral auto insurance:

Contact numberOpening hours

Customer service

0 333 220 2000

Monday – Friday from 8 am to 8 pm
Saturday from 9 am to 5 pm
Sunday from 9.30 am to 4 pm

Renewals

0 333 222 6715

Monday – Friday from 8 am to 8 pm
Saturday from 9 am to 5 pm
Sunday from 10 am to 4 pm

Add a car to existing policy

0 330 134 3242

Monday – Friday from 8 am to 8 pm
Saturday from 9 am to 5 pm
Sunday from 9.30 am to 4 pm

Make a claim

0 333 220 2033

Monday – Friday 8am – 9pm
Saturday 9am – 5pm
Sunday 11am – 4pm

Roadside emergency

0 800 600 840

24h/24 and 7d/7

Glass Repair service

0 333 220 2025

24h/24 and 7d/7

Contact numbers at Admiral

Admiral other contact details

You’ll find below Admiral main contact details:

Contact details of Admiral
Email address

Contact form

Customer account with Admiral login

Admiral My Account + login details

Social mediaTwitter, facebook message
ChatbotNo
Contact details at Admiral

You can also contact them by mail by writing to Admiral car insurance:

1, Langdon Road, Swansea Waterfront
Swansea, SA1 8AG
United Kingdom

How to claim on your Admiral car insurance?

You can make a claim at Admiral on My Account customer portal and follow the process. You will need to provide:

  • Your name, phone number and adress
  • Your car vehicle registration number
  • Photos of the accident scene and circumstances details.

You can also call at the number 0 333 220 2033.

To claim on your car insurance, always prepare upfront:

  • your policy number
  • evidences of claim.

If your claim is related to crime (theft, fire etc.), you must go to the police before calling your insurer.

How to cancel your car insurance at Admiral?

Since car insurance is a legal requirement, Admiral will renew your policy automatically at the end of the policy period without any notification from your side. However, Admiral has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days – the cooling off period – to cancel your policy at reduced cancellation fees.

You can cancel your car insurance policy at any time but cancellation fees may apply especially if you cancel outside the cooling-off period.

You can cancel your Admiral insurance policy by calling the Renewal Department number 0333 220 2000.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Admiral could also refuse to cover your car any longer if you don’t pay for your premiums within the time allocated, if they find out that you omitted important information that was required by the company such as your driving experience or if you have committed a fraud of any kind (this act is known as ‘fronting’). 
Admiral will send you a cancellation notice (usually 7 days).

>> Download our free and online car insurance cancellation letter template.