Trust us - we've been doing car insurance for 30 years
5 Star rated cover
Our Admiral, Gold and Platinum cover have Defaqto's highestrating
Uninsured driver promise
We'll repay excess for accidents uninsured drivers cause (if you have theirdetails)
24-hour emergency helpline
You can ring our friendly call centres 24/7 if you have anaccident
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What's covered?
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What level of cover do I need?
We offer three main levels of car insurance options that cover you for accident and damagecosts.
Comprehensive car insurance
This is the highest level of insurance you can buy. It includes third party, fire & theft and covers the cost of repairing or replacing your car if it's involved in an accident or damaged maliciously. Excluding Essential tier, it comes with extra benefits like windscreen cover and extended cover for driving outside theUK.
Third party, fire and theft
As well as paying out to a third party if you're involved in an incident, this level of cover protects your car from damage caused by fire or theft. However, it doesn't cover the cost if your car's damaged in another way, such as acrash.
Third party only
This is the most basic level of cover required by law. If you're involved in an accident, we'll pay out the other driver involved but you won't be able to claim for damage to yourcar.
What Admiral Car Insurance covers
To help you choose the right level of cover, look at how they compare below.
 |  |  |  | |
|---|---|---|---|---|
Motor Legal Protection | Optional | Optional | ||
Roadside Breakdown Cover | Optional | Optional | Optional | |
Courtesy Car | ||||
Uninsured Driver Promise | ||||
£5,000 Personal Injury Cover | ||||
24hr Emergency Helpline | ||||
£500 Replacement Lock Cover | ||||
Child Car Seat Cover | ||||
Personal Belongings Cover | £300* | £300* | £200* | |
Windscreen Cover | ||||
New Car Replacement | ||||
Driving Other Cars (Conditional) | ||||
European Cover for up to 90 days | ||||
Audio Equipment Cover (Aftermarket) | ||||
Onward Travel |
Third party, Fire | Third Party | |
|---|---|---|
Motor Legal Protection | Optional | Optional |
Roadside Breakdown Cover | Optional | Optional |
Courtesy Car | ||
Uninsured Driver Promise | ||
£5,000 Personal Injury Cover | ||
24hr Emergency Helpline | ||
£500 Replacement Lock Cover | ||
Child Car Seat Cover | ||
Personal Belongings Cover | ||
Windscreen Cover | Optional | Optional |
New Car Replacement | ||
Driving Other Cars (Conditional) | ||
European Cover for up to 90 days | ||
Audio Equipment Cover (Aftermarket) | ||
Onward Travel |
*Personal belongings cover increased to £500 for campervans
If you’re not sure what some of our car insurance terms mean, check out our car insurance jargonbuster.
Optional extras
- Breakdown Cover Unlimited UK roadside recoveries – 24/7, 365 days a year
- Personal Injury Cover Help when you're injured, even if you’re in someone else's car
- Hire Vehicle Cover We'll keep you on the road with a hire car if yours is written off or stolen
- Motor Legal Protection If you're in an accident that's not your fault, this cover will help with legal costs
MultiCar Insurance
Bundle your car insurance, get the best cover, and get a MultiCar discount.
MultiCar Insurance
Black Box Insurance
The smart way for drivers to get a great deal on car insurance.
LittleBox Insurance
Electric And Hybrid Car Insurance
Get the right cover for your electric car or hybrid.
Electric And Hybrid Car Insurance
How we calculate your car insurance cost
We use multiple factors to calculate car insurance prices. We constantly check the prices we charge to offer you the best car insurance premium, but prices also fluctuate depending on the market. Here are a few factors:
- Your information – Generally, the older you are and the longer you've been driving means you'll have cheaper premiums than a younger or newer driver.
- Where you live – We check the number of claims in your area and whether they're due to things like theft, damage or volume of traffic.
- The car you insure – We use our insurance groups and claims history of your car make and model. Find out more about car insurance groups and how they're calculated.
- Your driving habits – The more you drive, the more likely you'll be involved in an accident. This is also why commuters are likely to have a higher premium.
- Insurance Premium Tax (IPT) – By law, we add a 12% tax to your car insurance premium. Read more about why we do this here.
What you need to get a car insurance quote
To insure your car effortlessly, make sure you have the following:
About your car
- Registration number
- When you bought it
- How much it's worth
- Any modifications
A bit about you
- Your name
- Age
- Where you live
- Your occupation
- Driver's licence and contact information for you and named drivers
What cover you need
- How you use your car
- Mileage
- What level of cover you need (comprehensive, third-party or third-party fire and theft policy)
Read more about our customer's experiences
We care what our customers have to say about us.
Trustpilot
Useful guides
What is Multi Car insurance
Multi Car insurance
11 things which could invalidate your car insurance
Find out more
What is fronting and why does it affect car insurance?
What is fronting?
Other motor insurance options
- Van insurance
- Young driver
- New driver
- Learner driver
- Temporary driver
- Delivery driver (car)
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You can add a car, home or van to your policy inMyAccount.
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0330 134 3208
- Mon to Fri:08:00 – 19:00
- Sat:09:00 – 17:00
- Sun:10:00 – 17:00
Bank Holidays Subject to change, closed Christmas Day, Boxing Day & New Year'sDay
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles andlandlines.
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Need help with your quote? Give us a call.
0330 134 3204
- Mon to Fri:08:00 – 20:00
- Sat:09:00 – 17:00
- Sun:10:00 – 16:00
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles andlandlines.
