Car Insurance

Choose from a range of award winning car insurance.

Whether you're looking to insure one car or all your family cars, there are plenty of options and discounts with Admiral’s award winning motor insurance.

Single Car Insurance

Our great value comprehensive cover has Defaqto's highest 5 Star rating.

MultiCar Insurance

Cover two or more cars on a single policy and get a great MultiCar discount.

Black Box Insurance

The smart way for drivers to get a great deal on car insurance.

More Car Insurance options

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

Windscreen Cover (repair & replace)

Optional Optional

Courtesy Car while yours is repaired at an Admiral-approved garage

European Cover for up to 90 days

Drive Other Cars subject to eligibility

Stereo Cover

24hr Emergency Cover

Replacement Lock Cover max £300

Personal Belongings Cover up to £150 or £500 for camper vans

£5,000 Personal Injury Cover

Child Car Seat Cover

New Car Replacement for cars less than a year old

“And the winner is Admiral”

Receiving awards is always nice, but it means so much more when the winner is voted for by consumers just like you.

Useful guides

Top 10 cheapest classics to insure

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

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

Cheapest hybrid and electric cars to insure

We've calculated which hybrid and electric cars have the most competitive insurance prices.

Hybrid and electric cars

Your 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.



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