Admiral

Admiral is a UK based insurance company, set up in 1993 to specialise in Car Insurance. However, they also offer insurance policies for other vehicles, home, travel and pet, as well as financial services such as personal loans and car finance.

It is owned by the Admiral Group, a large UK insurance company based in Cardiff, Wales. The Admiral Group is listed on the London Stock Exchange and is one of the constituents of the FTSE 100.

The Admiral Group's other brands include Elephant, Bell and Diamond. It also owns the comparison site Confused.com.

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Breakdown Cover

Ranked 9^th of 31 providers reviewed.

Customer happiness score	54.8%
Customer trust score	58.75%
Complaints performance	64.19%
Transparency rating	73.98%
Fairer Finance score Reviewed Autumn 2023	63%

Car insurance

Ranked 16^th of 49 providers reviewed.

Customer happiness score	60.63%
Customer trust score	54.83%
Complaints performance	75.77%
Transparency rating	75.46%
Fairer Finance score Reviewed Autumn 2023	67%

Home emergency cover

Ranked 11^th of 35 providers reviewed.

Customer happiness score	56.27%
Customer trust score	59.99%
Complaints performance	68.25%
Transparency rating	70.52%
Fairer Finance score Reviewed Autumn 2023	64%

Home insurance (building and contents)

Ranked 24^th of 46 providers reviewed.

Customer happiness score	59.21%
Customer trust score	54%
Complaints performance	69.16%
Transparency rating	79.55%
Fairer Finance score Reviewed Autumn 2023	66%

Personal loans

Ranked 24^th of 27 providers reviewed.

Customer happiness score	58.06%
Customer trust score	50.97%
Complaints performance	79%
Transparency rating	47.54%
Fairer Finance score Reviewed Autumn 2023	59%

Pet insurance

Ranked 8^th of 35 providers reviewed.

Customer happiness score	61.04%
Customer trust score	59.02%
Complaints performance	75.78%
Transparency rating	78.93%
Fairer Finance score Reviewed Autumn 2023	69%

Travel insurance

Ranked 11^th of 45 providers reviewed.

Customer happiness score	55.67%
Customer trust score	53.26%
Complaints performance	75.16%
Transparency rating	66.7%
Fairer Finance score Reviewed Autumn 2023	63%

Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i	£2,000.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£115.00
Cover limit for stolen keys i	£2,000.00
Cover for replacing original audio/visual equipment i	Unlimited
Repairs guarantee (years) i	Lifetime
Vandalism i

Cover limit for lost keys i	£500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for Legal Liability Cover for property damage	£20,000,000.00
Underwriter	EUI
Cover limit for stolen keys i	£500.00
Storage after accident i
Cover for replacing original audio/visual equipment i	Unlimited
New car replacement i
Legal cover for manslaughter defence i	Unlimited
Vermin & insects i
Misfuelling i
Cancellation fee (within 14 days, box not installed) i	£25.00
24hr helpline available i
Self-installed or engineer-installed box? i	Self install
Is device removal mandatory at the end of the contract? i	Y (when asked by company)
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score?	On renewal
Curfew i
Digital capability i
Are children's car seats covered?
Cover limit for personal belongings inside car	£200.00
Cancellation fee (within 14 days) box installed i	£25.00
Speed restrictions scenario i	Fail

Home Security Cover i
Home Emergency Cover limit i	£500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£250.00
Unoccupied period i	30
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Alternative accommodation cover limit for buildings i	£100,000.00
Theft from outbuildings i	£5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£25.00
Contents cover limit i	£150,000.00
Alternative accommodation cover limit for contents i	£25,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£39.50
Liability to domestic employees i	£10,000,000.00
Trace and access i	£10,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Liability as a tenant i	£20,000.00
Replace belongings new for old i
Flood excess i	£250.00
Escape of water excess (minimum) i	£500.00
Money in the home i	Sum insured
Visitor's possessions i	Sum insured
Office equipment i	Sum insured

Escape of water excess for buildings i	£500.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£100.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£39.50
Amendment fee (telephone) i	£19.50

Medical excess i	£99.00
Type of cover i	Lifetime, annual
Medical cover limit i	£4,000.00
Age when compulsory excess rises i	6 years
Annual policy limit i	£4,000.00
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£4,000.00
Cruciate ligament damage i	£4,000.00
CT scans i	£4,000.00
MRI scans i	£4,000.00
Prescribed food i	£150.00
Complementary treatment i	£500.00
Boarding fees limit i	£750.00
Death benefit (illness) i	£2,000.00
Euthanasia cover limit i	£150.00
Cremation i	£150.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£1,500.00
Holiday cover i	£4,000.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i	60 days

Medical excess i	£75.00
Cancelling before travel cover limit i	£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£2,000.00
Emergency medical cover and repatriation cover limit i	£15,000,000.00
Mental health cover i
Max trip duration i	31 days
Cutting trip short (curtailment) cover limit i	£3,000.00
Abandoning your trip (abandonment) cover limit i	£3,000.00
Personal money i	£400.00
Combined passport & travel documents cover limit i	£400.00
Natural disaster relocation cover i

Medical excess i	£50.00
Cancelling before travel cover limit i	£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£2,500.00
Emergency medical cover and repatriation cover limit i	£20,000,000.00
Mental health cover i
Max trip duration i	31 days
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£500.00
Natural disaster relocation cover i

Ski equipment owned cover limit i	£750.00
Single owned item cover limit i	£750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£750.00
Ski equipment owned excess i	£75.00
Ski equipment hired i	£500.00
Single item limit for hired equipment i	£750.00
Avalanche closure cover limit i	£750.00
Piste closure cover limit i	£750.00
Unused ski pass due to illness or injury i	£750.00

Admiral

Car insurance

Telematics Car Insurance

Commercial Vehicle Insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Pet insurance

Cat insurance

Dog insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: winter sports

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