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Admiral car insurance review

Read Which?'s expert review of Admiral's car insurance. Find out how we rate its policy against 30 other providers
Dean SobersSenior researcher & writer
Admiral review

In this article

Admiral is part of the Admiral Group - currently the UK's largest car insurer. Bell, Diamond, Elephant and Gladiator are also Admiral brands.

We've reviewed four of Admiral's policies - Essential, Admiral, Gold and Platinum.

Admiral policies are underwritten by Admiral Insurance Company Limited and cover drivers aged between 17 and 90.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Does Admiral offer the best car insurance?

Here's how Admiral scored in our latest survey:

  • 61% customer score – 14th out of 19 insurers
  • 59% policy score on its standard policy (named 'Admiral') – 23rd out of 30 providers
  • 61% claims score – joint 14th out of 19 insurers rated.

See how this compares with the best car insurance. 

What does Admiral car insurance offer?

Admiral

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Fire excessVaries

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Theft excessVaries
Accidental damage excessVaries
Windscreen replacement excess£115
Is the policy holder's NCD affected if car is hit while parkedYes
Windscreen damage - limit per claimMarket value / £50 (non-approved repairs)
Window damage - limit per claimMarket value / £50 (non-approved repairs)

Tables last updated January 2025. Next update January 2026. We recommend checking policies before buying.

How good are Admiral's car insurance policies?

Admiral's standard Admiral policy scored 59%, just below the average score of 61%.

It includes an 'uninsured driver promise', which means you won't lose a no-claims discount (NCD) or need to pay an excess if an uninsured driver was at fault in an accident (meaning you need to claim with Admiral). However, you will need to obtain the driver's details to demonstrate they were uninsured. 

It also guarantees repairs that it organises, for as long as you own the vehicle - which only a minority of policies do.

Areas in which it fell down included low levels of cover for windscreen and windows damage, and a high cancellation fee of £60.

Personal belongings

Admiral's personal belongings cover provides up to £200 per claim (a below-average amount). However, it does cover mobile phones, laptops and tablets, which are commonly excluded.  

Admiral vs Admiral Essential, Gold and Platinum

Admiral's Essential policy offers a lower level of cover than the standard Admiral policy and earned 55% in our analysis - in the bottom 40% of policies rated. 

Features that are stripped out of this policy include windscreen cover, personal belongings cover and 'new car replacement' (if you have a new car, this is a pledge to provide a like-for-like replacement if it's stolen or damaged beyond repair).

Admiral's pricier Gold and Platinum policies both received 59% in our analysis - higher than the standard Admiral policy's score but still below average. A notable perk with the Platinum policy is the inclusion of breakdown cover, which isn't reflected in our scoring.   

How did customers rate Admiral's car insurance? 

We asked Admiral customers who have recently made a claim how they felt about their car insurance.

Admiral earned a customer score of 61%, which is comparatively poor and places it in the bottom half of our table. It also scored 61% when assessed for its claims service - coming 14th out of 19 providers.  

Here's how customers rated Admiral in various areas of service:

Customer satisfaction

Application process
Clarity of policy
Dealing with queries
Ease of managing your policy online
Fair treatment of longstanding customers
Dealing with complaints
Value for money

Table last updated in January 2025. Next update in January 2026. Customer score sample size is 127. Claims sample size is 214. A dash '-' indicates insufficient sample size (less than 40) to generate a star rating.

How does Admiral compare with other providers?

Admiral received a below-average customer score of 61% and a claims score of 61%, placing it towards the lower end of our findings. 

If you’re looking for higher-rated alternatives, LV and Aviva both scored at least 70% for customer satisfaction, and NFU Mutual leads with an impressive 85%.

How can you save money on Admiral car insurance?

Admiral's policies are generally cheapest to buy on comparison websites. Its policies can be bought on the following sites:

  • Clearscore
  • Compare the Market
  • Confused.com
  • GoCompare
  • MoneySuperMarket
  • QuoteZone
  • Vast Visibility

In general, policies are cheaper to buy through comparison websites than directly online, and are priciest when bought over the phone.

Admiral offers a multicar version of its policy that offers discounts for covering multiple vehicles. You can also get a discount if you take out both your car and home insurance with Admiral, or if you own a dash cam. 

Above information correct as of December 2024.

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Admiral: how can you claim? 

If you need to make a claim with Admiral car insurance, you can do so online or by calling 0333 220 2033.

Admiral FAQs

How can I cancel Admiral car insurance? 

To cancel your car insurance with Admiral, you can choose from these options:

Phone: call 0333 220 2000 weekdays between 8am and 7pm, between 9am and 3pm on Saturdays and 9.30am and 4pm on Sundays.

Live chat: use the live chat feature on Admiral's website.

Can I drive any car with Admiral comprehensive insurance?

Like most comprehensive policies, Admiral's policies include Driving Other Cars (DOC) cover. As the name suggests, this covers you for driving vehicles other than the one named on your Admiral policy.

However, the cover isn't intended for sustained or everyday use - you won't get full comprehensive cover when driving another car, but third-party cover only. This means that it will pay for damage or injury caused by you to other road users, but not for anything that happens to the car you're driving.

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