Admiral home insurance review

What does Admiral offer?

Founded in 1993, Admiral is a UK-based company that offers a wide range of insurance products including home insurance, car insurance and travel insurance, as well as other financial products such as loans.

It belongs to the Admiral Group, which also owns Bell, Diamond, Elephant and Gladiator. Its policy is underwritten by Admiral Insurance Company Limited.

Admiral offers three levels of home insurance cover which we've reviewed: Admiral Cover, Gold Cover and Platinum Cover. 

Please note that this article is for information purposes only and does not constitute advice.

Does Admiral offer the best home insurance?

Here's how Admiral scored in our latest home insurance survey:

• 68% customer score, placing it joint 10th out of 17 providers rated.
  
• 70% buildings score on its standard policy 'Gold', 17th of 35 standard policies reviewed.
• 65% contents score on its standard policy, 24th of 35 standard policies reviewed.
• 66% claims score, joint 12th of 24 providers rated

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Admiral home insurance cover?

We reviewed three Admiral policies. Select a policy to see what it offers and how it scored.

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'Above-average cover with its Platinum policy'

Dean Sobers, Which? home insurance expert, says:

Admiral’s standard policy - Gold Cover - got a buildings score of 70% and a score of 65% for its contents cover. This placed it a bit below average in both categories - the average scores being 71% and 68%.

We like that its definition of ‘storm’ allows for weather events that aren’t necessarily all about high winds. Heavy rainfall, snow and hail can also count. It also includes some accidental damage cover as standard (for breakages to things such as your windows or bathroom fixtures) - but for full cover you’ll need to buy an add-on.

Like many policies, however, it doesn’t cover storm damage to fences, gates and hedges. And while its contents cover extends to guests' belongings, the limit to its contribution is £500 - which is pretty low compared to other policies offering this.

Phone cover

As is pretty standard with home insurance policies, you can add on personal possessions cover for items you take out and about with you. Under this, Admiral’s policy has a notably high cover limit for protecting your phone - £2,000.

Admiral cover and Platinum cover

As you might imagine, Admiral’s budget policy - Admiral Cover - had lower scores in our analysis than Gold. It earned a 67% buildings score and a 52% contents score - landing it in the bottom fifth of our table.

Its more premium offering - Platinum Cover - had an average buildings score of 72% (slightly better than Gold) and a strong contents score of 75%, meaning we considered it as a Best Buy candidate. Unfortunately, concerns about Admiral’s lower-than-average claims acceptance rate meant it didn’t make the cut.

How did customers rate Admiral's home insurance?

Admiral received a customer score of 68%, placing it joint 10th of the 17 home insurers we got customer scores for.

When we asked people to rate its claims handling it scored 68%, joint 12th of 24 providers rated.

When we asked more about the rating customers gave Admiral, one claimant told us that 'a quick efficient service was kept up to date through the whole claims process and  I never needed to chase them up'.

But another claimant told us that in their case there was 'not much proactive engagement - we had to ask questions the whole time'. 

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

How can you save money on Admiral home insurance?

Admiral sends notice of renewal approximately three weeks before the due date. While it doesn't operate a price-matching pledge, you can use this window of time to discuss your premium if it doesn't seem fair compared to other offers.

You can find out more about how to do this in our haggling guide.

Admiral appears on the following comparison sites:

• Compare the Market
• Confused.com
• Go.Compare
• MoneySuperMarket

Want to pay monthly? Admiral charges interest of up to 22% APR, so you might be better off paying annually using an interest-free credit card.

Above information correct as of August 2025. For more ways to save money when buying insurance, see our guide.

How does Admiral compare with other providers?

With a customer score of 68%, Admiral is beaten by NatWest and Allianz.

For buildings cover, Admiral's standard Gold policy scored 70%, below standard policies from Which? Recommended Provider Tesco and MBNA.

When it came to contents, Admiral Gold's score of 65% came below Quote Me Happy, HSBC, First Direct, Churchill and even some insurers' essentials policies.

What is Admiral's claims number?

If you need to make a claim with Admiral home insurance, call 0333 220 2035.

You can also make a claim on Admiral's website.

• Find out more: Is it worth claiming on your home insurance?

Should you buy Admiral home insurance?

Probably not. Two of Admiral's three policies offered below-average cover.

And despite some decent-looking contents cover in the Platinum policy, we can't recommend buying this because of Admiral's low claims acceptance rates.

Find out how Admiral rates for other products

• Admiral car insurance review
• Admiral travel insurance review

 How we rate home insurance