5 Star Car Insurance from Admiral
5 Star rated comprehensive Car Insurance
Admiral, Gold, and Platinum comprehensive cover has been awarded a five-star rating by Defaqto
What does car insurance cover?
Car insurance falls into three main levels of cover
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, as well as offering you a courtesy car. Excluding Essential tier, it also comes with extra benefits including 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.
While the amount of cover you get depends on which level you choose – comprehensive offers the most cover, third party the least – there are a few things that come as standard with Admiral Car Insurance (excluding Essential tier):
- Cover to drive in Europe for up to 90 days
- Driving other cars (subject to eligibility)
Need more information? Read our guide: Which level of cover?
Compare Admiral Car Insurance levels of cover
We're proud of our car insurance and our customers seem to think it's pretty great too – we've won the UK's Best Car Insurance Provider eight years in a row, and it's voted for by the public.
To help you choose the right level of cover, take a look at how they compare below.
Compare our levels of cover
Comprehensive (excl. Essential Tier) |
Third Party, Fire & Theft |
Third Party Only |
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|---|---|---|---|
Windscreen Cover (repair & replace) |
Optional | Optional | |
Courtesy Car while yours is repaired at an Admiral-approved garage |
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European Cover for up to 90 days |
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Drive Other Cars subject to eligibility |
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Stereo Cover |
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24hr Emergency Cover |
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Replacement Lock Cover max £300 |
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Personal Belongings Cover up to £150 or £500 for camper vans |
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£5,000 Personal Injury Cover |
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Child Car Seat Cover |
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New Car Replacement for cars less than a year old |
What sort of driver are you?
Most UK motorists can get a great deal on their car insurance with Admiral Single Car Insurance or earn extra discounts with MultiCar or MultiCover. But we also have other options for classic car drivers, van drivers, and those with EVs or hybrids. Find out more about who and what we cover below.
Car insurance extras
Make sure you and the people you love are covered against unwanted surprises.
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Breakdown Cover
Unlimited UK roadside recoveries – 24/7, 365 days a year
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Personal Injury Cover
Look after you! Help when you're injured, even in someone else's car
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Hire Vehicle Cover
We'll keep you on the road with a hire car if yours is written off or stolen
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Motor Legal Protection
If you're in an accident that's not your fault, this cover will help with legal costs
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Keycare Cover
Up to £2,000 towards the costs of replacing your keys and locks, if they're lost, stolen or broken
Useful guides
Top 10 cheapest classics to insure
If you choose wisely and you stay within your comfort zone, you could be experiencing the joys of motoring like never before.
Cheap classics
The 10 cheapest cars for young drivers to insure
We regularly update our list of the cheapest cars to insure for drivers from the ages of 17-25.
Cars for young drivers
Cheapest hybrid and electric cars to insure
We've calculated which hybrid and electric cars have the most competitive insurance prices.
Hybrid and electric carsYour questions answered
What affects car insurance prices?
At Admiral, we look at a number of factors such as:
- Age
- Driving experience
- Driving record (claims and convictions)
- The type of car you drive
- Car insurance groups
Your car insurance price explained takes you through how Admiral calculates your policy. You can also check our up-to-date data on how average prices vary by region, lifestyle, and the type of car you drive to learn more.
How are car insurance groups calculated?
Every car in the UK is placed in an insurance group ranging from 1 to 50, with 1 being the lowest and 50 the highest. Cars in the lower groups are cheaper to insure while those close to the 50 mark will be more expensive.
Car insurance groups are broadly set by The Group Rating Panel and administered by Thatcham Research; our pricing team considers these recommendations when calculating our car insurance prices.
As well as looking at the cost of time and parts to return a car to its pre-accident condition, Thatcham’s team looks at these things to help group cars:
Repair costs and times | Motor vehicle repair costs account for over half of all the money paid out in motor insurance claims. Longer repair times mean higher costs, and the greater likelihood of a higher group rating | |
|---|---|---|
New car values | The price of new cars including different trim levels is considered in terms replacement and repair costs | |
Parts prices | A standard list of 23 parts most often damaged in an accident and their costs. Lower costs mean more chance of a lower group | |
Performance | 0-60mph and top speed are important. Claims stats show high performance cars often result in more frequent insurance claims so will usually be ranked higher | |
Autonomous Emergency Braking (AEB) | By helping to reduce low-speed front to rear accidents, cars fitted with AEB as standard may have a lower insurance rating | |
Car security | Standard fitted security such high-security door locks, alarms and alloy wheel locking devices can help put cars into lower groups |
To find out more, read our guide on car insurance groups explained
How can I get a quick car insurance quote?
It doesn't take long to get a quote if you have certain information handy. Here's what you'll need:
1. Car details
We know car registrations aren’t always easy to remember, but we can find your car if you know the make, model and year.
2. Driver information
We'll need the following information about yourself and any other named drivers:
- Names
- Dates of birth
- Driving licence details
- Motoring claims from the past three years
- Motoring convictions from the past five years
3. No Claims Bonus
This gives you a discount, so make sure you know how many years No Claims Bonus you have.
Your previous car insurer will tell you this if you can’t find it on your existing policy documents.