Car Insurance

Trust us - we've been doing car insurance for 30 years

5 Star rated cover

Our Admiral, Gold and Platinum cover have Defaqto's highest rating

Uninsured driver promise

We'll repay excess for accidents uninsured drivers cause (if you have their details)

24-hour emergency helpline

You can ring our friendly call centres 24/7 if you have an accident

What level of cover do I need?

We offer three main levels of car insurance options that cover you for accident and damage costs.

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 the UK.

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 a crash.

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 your car.

What Admiral Car Insurance covers

To help you choose the right level of cover, look at how they compare below.

Comprehensive Cover

Admiral Platinum Admiral Gold Admiral Admiral Essential

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 Cover

Third party, Fire
& Theft

Third Party
Only

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 jargon buster.

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.

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.

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