Home Insurance

Prices from just £98

10% of Admiral level Building and Contents Insurance customers from last September to February paid under £98

Defaqto rating applies to Platinum level cover

Streamline your cover

Not everyone needs Buildings and Contents cover together, which is why we offer flexible options and great value across all our Home Insurance products.

Home Insurance made easy

With so much choice, Admiral has made it easy to get the right level of cover for your buildings and contents with the choice of three simple cover packages.

Admiral

Our great value Home Insurance package covers the essentials.

Admiral Gold

Our popular Gold Home Insurance gives the value of Admiral cover with added extras.

Admiral Platinum

Our full featured Platinum Home Insurance is for people who demand extra security and peace of mind.

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Four great reasons to buy Home Insurance from Admiral

Ready and waiting with our 24-hour emergency helpline

If the worst were to happen, we are just a call away any time of day or night.

Great value – pay as little as £98

You could pay as little as £98 if you insure your home with us.

Flexible cover options – 3 levels to choose from

You can tailor your cover to suit your needs, choose from Admiral, Admiral Gold or Admiral Platinum.

Unlimited buildings cover

The structure of your home – including permanent fixtures and fittings – are covered. Just one of the many benefits you can expect from Admiral, no matter what level of cover you choose (eligibility criteria may apply).

Why buy from us?

Admiral's Home Insurance products come with a range of great features depending on the level of cover you choose. A waiting period applies before some cover is activated.

Up to £100,000 legal costs cover for property or employment disputes and personal injury claims as long as there are reasonable prospects of your claim being successful.

Home Emergency Cover

Up to £500 for a tradesman to repair your hot water system, central heating and plumbing in an emergency. Also includes cover for home security and pest infestation.

Boiler Emergency Cover

Up to £500 emergency repair costs for central heating and hot water failure. Two call outs per policy term.

Accidental Damage Cover

Available on buildings and contents, for accidental damage to personal belongings, fixtures and fittings at home.

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Compare levels of cover

 

Admiral

Admiral
Gold

Admiral
Platinum

Contents Cover (up to)

50K

75K

150K

Boiler Emergency

No

Yes

Yes

Home Emergency

Optional

Optional

Yes

Family Legal Protection

Optional

Optional

Yes

Accidental Damage

Optional

Optional

Yes

Pedal Cycles

Optional

Optional

Yes

Personal Possessions

Optional

Optional

Yes

Admiral Home Insurance explained in 90 seconds

Our customers love us

Look at what they're saying...

Straightforward questions. Easy to understand cover. Clear instructions both online and by telephone.

Dee, Solihull

Jan 2015

I love the fact there are different levels of cover so you can almost tailor a policy to your own needs and is fantastic value for money. The staff you deal with are so friendly and helpful. Highly, greatly impressed.

Kirsty, Glasgow

Sep 2014

Really good customer service, clear info about what was covered and good price. Plus additions of home emergency cover which was bonus!!

Caroline, Norwich

Feb 2015

Keep your boiler running all year long

Peace of mind with our Boiler Emergency Cover.

5 Star rated Home Insurance

Admiral Platinum cover has been rated 5 Star by independent financial research and software company Defaqto.

Your questions answered

We're sure you'll love our great insurance products but maybe you have a few questions. You can find answers in this section.

What high risk items do I need to let you know about?

Our definition of high risk items can be found in your policy booklet so please check that carefully, but it includes things such as jewellery, watches, precious metals, works of art, sporting equipment, collectables, furs and musical instruments.

If you have any high risk items over £1,000 you will need to let us know about each of these items individually so we can add them to your policy. You can then choose to cover each item away from the home.

Do I get personal possessions cover as standard?

You get personal possessions cover up to £2,000 as standard with Admiral Platinum cover but you can choose a higher amount than that if needed. You can add personal possessions cover to our Admiral Home and Admiral Gold.

It covers items which belong to you or your family, which are portable and normally worn, used or carried outside the home in everyday life such as handbags, headphones, tablets and also includes sports, musical and camping equipment. Your items will be covered up to the amount you require, subject to maximum limits.

If you have any pedal cycles that are worth under £350 and would like them covered while away from the home, be sure to include them in your personal possessions total.

If you have specified any high risk items over £1,000, they will be covered separately up to the amount you require per item. Our definition of high risk items can be found in your policy booklet.

What if my circumstances change?

If your circumstances change, please let us know straightaway. Changes we don't know about could invalidate your insurance. If you're not sure whether you need to tell us about a change, just call us and check.

Please call 0871 882 8212 to update a policy. Opening hours are from 8am-9pm Monday to Friday, 9am-5pm Saturday and 10am-4pm Sunday.

Calls to 0871 numbers are charged at 8p per minute plus network extras. Calls from mobiles and other networks may vary.

How do I send in proof of purchase or a valuation for an item?

In some cases, a proof of valuation or purchase receipt - dated within the last 3 years - is required within 30 days of the start of your policy. Photocopies or good-quality photographs are acceptable as long as they can be clearly read. They can be sent to us in a number of ways.

Please ensure that your policy number, beginning AD APT, is noted on any document you send:

  • Post - FREEPOST EUI LTD
  • Email - customerservices@admiral.com

How do I make a claim?

Call our Claims Department on 0844 543 4404 or visit our make a claim page for more information on making a claim.

We're open Mon - Thu 8am - 9pm, Fri 8am - 6pm, Sat 9am - 5pm, Sun 10am - 4pm.

Calls to 0844 numbers will be charged at 5p per minute from BT landlines. Calls from mobiles and other networks may vary.

What is an Excess and how do I know what excess I have on my policy?

An excess is the amount you must pay in the event of any claim. Just check your policy schedule for details of the excess that applies for the incident you are claiming for. More than one excess may apply and total excess may vary depending on the cause of the loss or damage.

Your excess will either be deducted from settlement of your claim, or alternatively, our appointed supplier will collect this amount from you.

How will I know if a claim is covered by my policy?

You can find details of your policy cover in your Policy Booklet along with your Home Policy Schedule. You may find this helpful before ringing us to report a claim.

However, if you would prefer to call us, one of our dedicated Claim Handlers will be happy to help and advise you further on your policy cover.

How long will it take to settle my claim?

It all depends on the circumstances - some claims are more straightforward than others. When you call to register a claim, our claim handlers will try to give you an idea of the timescales involved.

Do I need to keep damaged goods for my claim?

Yes, please keep any damaged items in a safe place. They may need to be inspected or used as evidence of proof of ownership - this may help us settle your claim faster.

Will pedal cycles be covered under my policy?

Pedal cycles worth under £350 are covered while they are in the home if you have taken contents cover with us.

If you have any pedal cycles that are worth under £350 and would like them covered while away from the home, make sure you include them in your personal possessions total.

If you have a pedal cycle worth more than £350 you will need to let us know so we can add this to your policy. You must then opt to have this cycle covered away from home if required.

Are mobile phones covered under my policy?

Mobile phones are covered up to the amount shown on your policy schedule. We will cover the handset but not mobile phone charges, loss of airtime or any damage caused by liquids.

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