Admiral car insurance review 

8 min Read Published: 30 Nov 2021

Who is Admiral?

Admiral car insurance reviewAdmiral was established in 1993 and originally specialised in car insurance. In 2005 Admiral were the first UK car insurance provider to offer a multi-car policy to help customers with more than one car obtain a cheaper premium for their car insurance. In December 2012 Admiral launched a home insurance product and in 2017 expanded their product range by offering personal loans and car finance.

Admiral car insurance policies

Admiral offers 3 main car insurance policy types:

Single car insurance

Car insurance policy for a single car with either Third Party, Third Party Fire and Theft or Comprehensive cover.

Multicar insurance

Admiral Multicar policy allows you to insure multiple cars on one policy and receive an immediate discount for each car added with either Third Party, Third Party Fire and Theft or Comprehensive cover. 

Multiple cars can be covered providing each car belongs to an immediate family member but they do not have to be registered at the same address. 

All cars insured under an Admiral Multicar policy will have the same renewal date and any claims made will only affect the No Claims Discount of that vehicle or policyholder. 

Black Box insurance

Admiral 'LittleBox' policy is designed for young or inexperienced drivers where a small device is fitted to the car to monitor how well they drive and will reward safe drivers with a discounted renewal premium.

Admiral car insurance benefits

Third Party

Admiral's Third Party policy will cover everything that a customer is legally responsible to pay if another person is injured or their property is damaged in an accident involving their vehicle.

Third Party Fire and Theft

In addition to the Third Party policy cover above, Admiral's Third Party Fire and Theft policy offers the following benefits:

  • Cover if the customer's car is damaged by fire theft or attempted theft
  • Cover for locks up to £300
  • A small courtesy car is provided if the car is being repaired by an approved repairer.

Comprehensive

Admiral car insurance offers 4 levels of comprehensive cover:

Essential

In addition to the Third Party Fire and Theft cover above the Essential policy offers the following benefits:

  • Cover if the customer's own car is damaged in an accident
  • Cover up to £5,000 for death, loss of limbs or permanent blindness

Admiral

In addition to the Essential cover above the Admiral policy offers the following benefits:

  • New vehicle replacement: If the customer's vehicle is less than 12 months old and is written off or stolen and unrecovered. then they will be provided with a brand-new vehicle as a replacement
  • Personal belongings cover up to £150
  • Repair or replacement of windscreen, windows or sunroof if damaged

Gold

In addition to the Admiral cover above the Gold policy offers the following benefits:

  • Personal belongings cover up to £300
  • Up to £150 for travel expenses after an accident
  • Motor Legal Protection up to £100,000

Platinum

In addition to the Gold cover above the Platinum policy offers the following benefits:

  • Roadside Assistance Breakdown cover

The table below indicates the Admiral car insurance additional benefits for each policy type

 

Platinum Gold Admiral Essential Third Party Fire & Theft Third Party
Damage due to an accident tick tick tick tick cross cross
Vandalism  tick tick tick tick cross cross
Damage due to fire, lightning, theft or attempted theft tick tick tick tick tick cross
Guaranteed car hire  tick tick tick cross cross cross
Audio/visual/electronic – manufacturer equipment tick tick tick tick tick cross
Uninsured driver promise tick tick tick tick cross cross
Lock replacement up to £300 tick tick tick tick cross cross
Windscreen cover tick tick tick cross  Optional Optional
Personal injury up to £5,000 tick tick tick tick cross cross
Personal belongings up to £300 tick tick tick cross cross cross
Child seat cover tick tick tick tick cross cross
New car replacement tick tick tick cross cross cross
Onward travel tick tick cross cross cross cross
Motor Legal Protection tick tick cross cross cross cross
Roadside assistance cover tick cross cross cross cross cross
Damage to your vehicle in Europe tick tick tick cross cross cross

How do Admiral car insurance benefits compare with other insurers?

To provide a comparison between Admiral and other similar car insurance providers, we have selected three insurers in the comparison table below that are 'Recommended Providers' by Which? according to their survey of the best and worst car insurance. We have used the Admiral Gold policy benefits in this comparison.

Admiral Gold Direct Line LV= Aviva
Guaranteed hire car Yes Yes £19.90 for small hatchback, £29.90 for similar car to own Yes
Transport after accident Yes Yes No Yes
No Claims Discount protection Yes Yes Yes Yes
Breakdown cover Yes From £25 p.a. From £30 p.a. Individual cost calculation
Motor Legal Protection (£100,000) Yes £28 p.a. £25.99 p.a. £29 p.a.
Multi-car discount Yes Yes Yes Yes
Black box available  Yes Yes No No
Admin fee for policy amendments £25 No £15 No
Available on comparison sites Yes No Yes No

How to make a claim with Admiral car insurance

If you have an accident or your car is stolen then you need to inform Admiral within 48 hours of the incident either online or by telephone.

Online claims

Visit 'Make a claim' and log in to your account then click on the 'Start My Claim Now' button and complete the details of your claim.

Phone claims

Call Admiral on 0333 220 2033 to start your claim.

Mon to Fri: 8:00-18:00
Saturday: 9:00-16:00
Sunday: 10:00–16:00

If you require emergency recovery after an accident call:

24hr Emergency Recovery on 0800 600 840

To help Admiral to process your claim swiftly please provide the following information

  • Your policy number and documents.
  • Your vehicle registration number.
  • Details of what happened and when.
  • Photographs or dashcam footage of the incident (if available).
  • Details of any other vehicles, people or property involved.
  • Contact details for any witnesses.
  • Crime reference number, if applicable.

Admiral car insurance customer reviews

Admiral is ranked 13th out of 16 car insurance providers with consumer website Which? Customers cited the high excess of £115 for windscreen replacement and the £25 administration fee on policy alterations as negative points.

Independent customer review site Trustpilot rates Admiral car insurance 3.2 (Average) out of 5.0 from just under 10,000 reviews citing poor customer service following a claim as a negative point.

Summary

Admiral car insurance offers a different take on car insurance as they offer four levels of cover - Essential, Admiral, Gold and Platinum. Each policy type offers a different level of benefits and, therefore, different premiums. The benefits available on the Gold and Platinum policies compare well with other car insurance providers but independent customer reviews only rate Admiral car insurance as 'Average'.

Admiral car insurance also offers the following specialist car insurance policies:

Temporary Car Insurance

Classic Car Insurance

Electric Car Insurance

Car Sharing Insurance

Further reading

Direct Line car insurance review

LV= car insurance review

Aviva car insurance review