5 Star Car Insurance from Admiral
5 Star rated comprehensive Car Insurance
Our comprehensive cover has Defaqto’s highest 5 Star rating.
Single Car Insurance deals
Cover from only £297
10% of customers paid £297 or less between Jul 2019 – Dec 2019.
Single Car InsuranceMultiCar discounts for two or more cars
Save over £252
10% of customers who gave a best alternative price saved £252 between Oct 2019 & Mar 2020.
MultiCar InsuranceBlack Box bargains
Save over 31% with LittleBox
10% of customers who gave a best alternative price saved over 31% between Jul 2019 – Dec 2019.
LittleBox InsuranceLearn to drive in someone else’s car
Great cover by the hour, day, week or month.
Learner Driver InsuranceBundle your car and home insurance
Combined car and home insurance = one discounted policy.
MultiCover InsuranceWhat does car insurance cover?
Car insurance falls into three main levels of cover
- Comprehensive car insurance
- Third party, fire and theft
- Third party only
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 no matter which level you choose:
- Cover to drive in Europe for up to 90 days
- Driving other cars (subject to eligibility)
- Named driver No Claims Bonus
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. It also comes with extra benefits including windscreen cover, extended cover for driving outside the UK, and a courtesy car to replace yours if it’s involved in an accident or damaged maliciously.
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 to the other driver involved but you won’t be able to claim for damage to your car.
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 six 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.
Compare our levels of cover
Comprehensive |
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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Named Driver No Claims Bonus for Admiral policies |
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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 |
Want more info?
Useful guides
Getting a courtesy car: everything you need to know
To give you an idea of what to expect if you do need a courtesy car, we've answered some of your most important questions.
Courtesy car guide
What is windscreen cover?
Everything you need to know about a chipped or cracked windscreen and claiming on your car insurance.
Windscreen damage
Does car insurance cover flood damage?
It’s little surprise the country is susceptible to flooding – not good news for motorists or homeowners.
Covering flood damagePersonalise your car insurance with our optional policy upgrades
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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
-
Keycare Cover
Up to £2,000 towards the costs of replacing your keys and locks, if they’re lost, stolen or broken
What affects car insurance prices?
Lots of articles online tell customers how to get cheap car insurance. Every insurance provider sets their prices on different things, so what actually affects the amount you pay for insurance?
At Admiral, we look at a number of factors including:
- 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.
Car insurance groups
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.
How are car insurance groups calculated?
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 |
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|---|---|---|
New car values |
The price of new cars including different trim levels is considered in terms replacement and repair costs |
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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.
For more help saving money on your car insurance, take a look at these guides on the cheapest cars to insure.
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
Top 10 cheapest 68-registration cars
If you're in the market for a brand new car and your budget's £10,000 or under, there's never been such a good choice.
Cheap 68-reg carsCover our customers love
When shopping around, the cheapest car insurance quote may not be the best option for you – does it cover everything you need? You know what’s included with our cover, so take a look at why our customers love it.
Great customer service
98% of customers would buy from us again. Based on 10074 respondents between Jul 2019 – Dec 2019.
15 million policies
15 million policies: Over the past 25 years, the Admiral Group has served millions of policies to our vast customer base.
Award-winning cover
The Best Car Insurance Provider 2018/19 in the Personal Finance Awards, as voted for by consumers.
Fast and easy The best price
None
Each time I rang (needed to stop a renewal as I was scrapping my old car and taking out a new policy on new car) staff were very helpful, pleasant, friendly and polite. Could have hot my new policy a bit cheaper elsewhere but decided to stick with Admiral for third year in a row.
None
Was very easy to quote and finalise
None
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.
Admiral.com Car Insurance is rated 9.0 out of 10 based on 15290 reviews from the last 12 months