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Admiral home insurance review

Read Which?'s expert review of Admiral's home insurance. Find out how we rate Admiral's policy and how it compares to dozens of other home insurance providers.

In this article
Who is Admiral? What does Admiral's home insurance cover? How Which? rates Admiral's home insurance Admiral's home insurance policy: is it good or bad? How did customers rate Admiral's home insurance? 
Does Admiral offer different levels of home insurance cover? How much does Admiral home insurance cost? What is Admiral's claims number? Who underwrites Admiral's home insurance? Get top money-saving tips from Which?

Who is Admiral?

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 like loans. 

It belongs to the Admiral Group which owns several other insurance brands including Bell, Diamond and Elephant as well as price comparison website Confused.com. 

Admiral is a public company, listed on the London Stock Exchange. 

What does Admiral's home insurance cover?

The information below gives an at-glance view of the key areas that Admiral's home insurance covers as standard. This relates to its Gold Cover policies.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

✓ 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

  Loss and theft of keys 

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture. 

 

 Home emergency 

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

Personal possessions

 

Personal possessions cover protects your portable belonging while you’re outside of your property.

How Which? rates Admiral's home insurance

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile Insurance
Admiral review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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Admiral's home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 45 out of the 60 elements policy elements we analysed in Admiral's home insurance earned a 3-star rating or higher.

While 19 of Admiral's policy element were given a full 5-star rating, the majority of the features in its policy were given a 3-star rating or below which indicates an average to low level of cover. 

Best parts of Admiral's home insurance policy

We've identified three standout features in Admiral's home insurance policy:

  • Loss and theft of keys is covered as standard, which we scored a full 5-star rating
  • Admiral offers a generous £75,000 for alternative accommodation, which we gave 4 stars
  • Boiler cover is included as standard under home emergency cover, which we scored 5 stars

Worst parts of Admiral's home insurance policy

We've identified three features in Admiral's home insurance which scored poorly:

  • Theft from outbuildings (sheds, greenhouses etc) only goes up to £1,000 which, which we gave a 1-star rating
  • Admiral charges a fee of £25 if you decide to switch in the 14-day cooling off period.
  • Students are not covered under Admiral's contents insurance policy, which earned it a 0-star rating

In detail: every part of Admiral's home insurance rated

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020. 

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how Admiral's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Admiral's home insurance? 

As well as looking at how Admiral's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Overall, Admiral's home insurance scored 68% for customer satisfaction, placing it 23rd out of the 34 home insurers we looked at.

Customers scored Admiral's 'transparency of charges/penalties' the lowest, giving it two stars out of five. All of the elements which customers scored were given 3 stars including the 'application process', 'clarity of policy' and 'dealing with queries.' 

The table below shows how Admiral home insurance scored for eight elements of customer satisfaction. The response sample size for 'experience of making a claim' was too low to give Admiral a score. 

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Customer satisfaction element Which? customer rating

Application process

Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does Admiral offer different levels of home insurance cover?

Admiral offers three types of home insurance policy - Admiral Cover, Gold Cover and Platinum Cover

The scores shown in this review relate to Admiral's Gold Cover home insurance policy but there are other levels of cover available.

If you would like to take out home insurance with the Admiral but need more cover, you could opt for Admiral's Platinum Home Insurance policy which offers:

  • Home emergency cover as standard 
  • Accidental damage cover as standard
  • Legal expenses cover as standard

Due to the added level of cover with this policy, it is likely to be more expensive than Admiral's standard Gold Cover home insurance. 

If you'd like to stick with Admiral but need less cover then it might be worth considering the Admiral Home Cover which offers:

  • £1,000,000 owner/occupier liability cover
  • £30,000 alternative accommodation
  • No cover for trace and access cover

While this policy is likely to be cheaper than Admiral's standard policy, you will be getting much less cover. 

How much does Admiral home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

Admiral home insurance allows you to gather quotes on its own website at admiral.co.uk.

But you can also compare Admiral's home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Confused.com
  • Gocompare.com
  • Moneysupermarket.com

Check out our guide for more information on how home insurance add-ons, fees and charges affect the price of your home insurance. 

What is Admiral's claims number?

You can make a home insurance claim with Admiral by calling 0333 220 2035 or submitting a claim form online.

According to Admiral, you'll need to have the following details to hand before getting in touch:

  • your policy number
  • the full address of the property covered
  • the date and time of the incident
  • the cause of the loss or damage
  • claims value if known
  • any relevant documents or photographs to support your claim,
  • a crime or loss reference number if you have lost an item outside of the home or have been victim to theft or vandalism.

The acid test of any home insurance provider is how it handles your claim. In January 2018, Which? surveyed 1,447 members of the general public about their experiences using a major home insurance provider.

Admiral scored 66% placing it 17th of 21 home insurers. It scored four stars for 'speed of dealing with a claim' and three stars for 'how they communicate the claims process.'

Find out how it compared to other insurers in our guide to making a home insurance claim.

Who underwrites Admiral's home insurance?

Admiral Home insurance is unwritten by Admiral Insurance Company LTD.

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