5 Star Car Insurance from Admiral
5 Star rated comprehensive Car Insurance
Our comprehensive cover has Defaqto’s highest 5 Star rating.
Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage.
We'll give you a MultiCar discount if you insure your other cars with us.
Travel across the channel in your electric car or hybrid without having to arrange extra insurance cover.
Our comprehensive electric car insurance is crammed with great features and benefits as standard.
£5,000 Personal Injury Cover |
Get £5,000 of personal injury cover for you and your partner. |
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Named Driver No Claims Bonus |
Any Named Driver could earn themselves an Admiral No Claims Bonus for use with Admiral policies. |
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Sat-Nav and Personal Belongings Cover |
If your personal belongings or effects are damaged or stolen while in your car, we'll pay up to £150 to help you replace them. |
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24 Hour Emergency Helpline |
Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage. |
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Bonus Match |
Insure a second car with us and, in most cases, we'll match your No Claims Bonus on that vehicle as well. |
The government has announced all new cars sold after 2040 will need to be electrified in some way – either as hybrids or pure electric vehicles. A motoring revolution like this can't happen overnight, and that means more and more of us are going to be buying and driving electric cars in the near future.
Car manufacturers are already working hard on developing this entirely new generation of cars, with some new brands like Tesla becoming familiar sights on our roads.
If you're one of these early adopters – or are considering joining their growing ranks – you might have some questions about the consequences for your electric car insurance.
No. While you can choose to take out a dedicated electric vehicle insurance policy if you wish, insurance providers like Admiral are working to normalise electric car ownership as much as possible. And this means you needn't take out any kind of specialist car insurance.
All sorts of things can affect your electric car insurance cost and some electric car buyers may wonder whether insurance is cheaper on electric cars, but there are multiple things to consider when calculating the cost of insurance.
Your choice of car is one of them. When working out the insurance group of your vehicle, all sorts of things are taken into account, including:
We also consider if an accident is more likely because electric cars offer a different driving experience. Peak pulling power is available from a standstill, meaning they often offer surprising acceleration, all in relative silence.
To reduce the cost of buying an electric car, some manufacturers (such as Renault and Nissan) offer the chance to buy the car and lease its battery separately.
The monthly lease amount is typically less than two full tanks of fuel – saving you no money on running costs but doing a fair bit for the environment.
You should notify us when taking out your policy if you're leasing the battery. If the car is written off, we need to make sure the payouts for the car and its battery go to their respective owners. If you own the battery, its value is combined with that of your car – this then makes up your car's market value.
If you're charging your car while it's parked in the street, there's the possibility that a member of the public might trip over your car's charging cable.
This opens you up to allegations of negligence and a personal injury claim.
Under Section 4 of your Admiral motor insurance policy ('Liability to other people'), so long as you've taken reasonable steps to prevent such an accident or injury from occurring, you're insured against this.
The cables would be covered if they were bought as part of the car. Aftermarket cables aren't covered unless they were a direct replacement from the manufacturer.
Looking to go green and cut your emissions to zero? Here are 11 of the best pure electric cars, listed by range.
Read moreHave you heard any of these myths around pure electric cars? Here are five common misconceptions that we've busted.
Read moreWe've crunched the numbers to find out which hybrid and electric vehicles have the most competitive insurance prices.
Read moreHere are the top 10 most popular electric cars we cover:
BMW i3 |
Volkswagen e-Golf |
Nissan Leaf |
Jaguar I-PACE |
Renault ZOE |
Tesla Model X |
Tesla Model 3 |
BMW i3s |
Tesla Model S |
Audi e-tron |
10% of customers paid £303 or less between Jan - Jun 2020.
Single Car Insurance10% of customers who gave a best alternative price saved £252 between Oct 2019 & Mar 2020.
MultiCar Insurance10% of customers who gave a best alternative price saved over 29% between Jan - Jun 2020.
LittleBox InsuranceWhether you're a learner driver, newly passed or a bit more experienced but still under 25, we have car insurance that's right for you.
Whether it's a beloved classic motor or a newer green vehicle, we've got the right type of cover for your car.
Make sure you and the people you love are covered against unwanted surprises.
Unlimited UK roadside recoveries – 24/7, 365 days a year
Look after you! Help when you're injured, even in someone else's car
We'll keep you on the road with a hire car if yours is written off or stolen
If you're in an accident that's not your fault, this cover will help with legal costs
Up to £2,000 towards the costs of replacing your keys and locks, if they're lost, stolen or broken