Frequently asked questions
Can I use my no claims discount on two cars?
No Claims Bonus (NCB) or No Claims Discount applies to a single car so can?t be applied to another car on your multi car policy; each car on the policy earns its own NCB. If you sell a car, you can transfer its NCB over.
Is MultiCar Insurance for me?
If you have multiple private cars including camper vans or a classic car (not company or commercial), then it could save you money. Read our guide to find out more about Multi-Car.
How do I make a windscreen claim?
Please visit our Claims page for details on how to make a windscreen claim.
Am I insured to drive abroad?
Your policy covers you as described in your current Certificate of Motor Insurance for events occurring in:
- Great Britain, Northern Ireland, the Isle of Man and Channel Islands
- Any other country which is a member of the European Union
- Norway, Switzerland, Iceland, Croatia, Andorra and Lichtenstein
The car is also covered while being transported by air, sea or rail between these countries. Your policy automatically includes a International Motor Insurance Certificate (on your current Certificate of Motor Insurance) for a maximum of 30 consecutive days in any one trip, and up to a maximum of 90 days in a year.
The International Motor Insurance Certificate is only valid for the above named countries. You don't need to call us if you are taking your car to any of these countries, but you do need to take your Certificate of Motor Insurance.
If you want to drive in any country not in the list above, please call us and we may be able to issue you with a Green Card, which you'll need to take together with your Certificate of Motor Insurance. Please note, the authorities in these countries will not accept photocopies of Green Cards as evidence of minimum insurance.
If you do need a Green Card, please contact us as soon as possible to allow plenty of time for your Green Card to arrive in the post.
If you need to travel to Andorra please call our Customer Service Department.
Am I insured to drive someone else's car?
Please check Section 5 of your current Certificate of Motor Insurance to see if you have this cover. Alternatively, you can call our Customer Services Department.
Is my car covered for someone else to drive?
Only if they are named on your Certificate of Motor Insurance. You can easily add another driver to your policy permanently or temporarily. Just login to MyAccount.
Will you cover a car I'm using temporarily?
We may be able to insure a car for you temporarily. Just login to MyAccount.
If you want us to cover a courtesy car from a garage, we will only be able to do this if the garage won't provide you with cover.
Please note, there will be a charge for putting a temporary car on your policy.
Will I be able to drive all the cars on the policy?
You must be named as a driver under section 5 of the car's Certificate of Motor Insurance, to be able to drive it.
What does policy validation mean?
Whenever you buy an insurance policy, we take steps to ensure we know the cover we are providing is right for you so we can support you when you need us, for example, if you have to make a claim and to combat any fraudulent activity.
To do this, we may contact you to validate some of your details at any time after you have bought your insurance, and we hope that you'll be able to help us resolve any enquiries quickly.
Please remember it is your responsibility to check you have answered every question we ask honestly and accurately before buying your policy.
Why do we validate our Insurance policies?
- By validating insurance policies, we know we are providing you the fairest price for your insurance, and that information we hold is correct. This also helps us in our continued effort to combat fraud and ensure that your policy is unaffected. We recognize that mistakes happen, so by validating policies we ensure a genuine oversight doesn't become a problem if you need to make a claim.
How we will validate your policy details?
- As an insurer we may check your details against databases available to the insurance industry, online quotations and any past or present policies within the Admiral group. We may also ask you to provide documentation to validate the information we hold.
What action will we take?
- Our validations teams are here to help and make sure your policy is correct. In cases where we have to make a correction to your policy as a result of the validation process there may be an additional premium to pay as well as our administration fee. In certain cases we may be unable to continue the policy or had we known the correct information, would not have accepted the policy. In these cases the policy may be cancelled or in more serious cases declared void and of no effect since its inception.
Are there any costs involved?
- If your policy is voided or cancelled please be aware charges may apply, If a change is made following a validation because of different information, we will charge an administration fee and any additional premium that may be applicable. You can find these charges on our website under existing customers, Legal information, and your agreement with EUI limited.
Why do you need my driving licence details?
Why are we requesting this information?
Since 8 June 2015, the paper counterpart to the photocard driving licence isn't valid and is no longer issued by DVLA.
In order to replace the paper counterpart the DVLA has created My Licence and Share my Licence, where you can view and share your driving information. We require this information in order to validate the information we hold for you.
What do we need to see?
My Licence and Share my Licence - https://www.gov.uk/view-driving-licence
If we have requested this information from you please make sure you have included the following pages:
- Your details
- Vehicles you can drive
- Penalties and disqualifications
Alternatively, you can click the Share your licence information tab and select Create a code. This code is valid for 21 days.
How do I pay for my policy at renewal?
You can pay for your renewal by debit/credit card or direct debit.
To make renewing as easy as possible we will automatically renew your policy based on the information you have supplied, unless you have opted out of this feature. If all your details are correct, then you don't have to do anything.
If you paid for your last year's policy using your own debit/credit card, we will automatically renew your policy and debit the premium from your card on your renewal date, unless you tell us otherwise.
If you paid for your policy using someone else's card, please ensure the cardholder is happy for us to debit your renewal from their card again this year.
Will my premium change at renewal?
We'll do our best to keep your renewal premium as low as possible. If you have four years or less No Claims Bonus and have not made a claim during your time with us, you'll get a further year's No Claims Bonus. This will reduce your premium, but rate increases during the year may mean your premium is still higher than last year.
I've had a claim. How will it affect my renewal premium?
If we already know about the claim before we post your renewal pack, your No Claims Bonus entitlement will have already been amended and your renewal premium revised to take the claim into account.
If you make a claim and we've already posted your renewal pack, we will have to amend your No Claims Bonus entitlement and revise your premium. We will let you know what your new premium is as soon as you notify us about the claim.
Will my No Claims Bonus be affected if a claim is made?
If a policyholder covered by your policy makes a claim or a claim is made against them, only they are affected. The No Claims Bonus of any other policyholders covered by the same policy won't be affected.
What if my No Claims Bonus is protected or guaranteed?
You can make up to two fault claims in three years before we will remove the protection.
If you make three fault claims in three years, we will remove the protection and reduce your No Claims Bonus by two years.
Can I protect my No Claims Bonus at renewal?
You will be able to protect your No Claims Bonus so long as:
- You have four or more years No Claims Bonus
How do I make a change to my policy from renewal?
Just login to MyAccount.
What should I do if I've had a motoring conviction during the past year?
If you have had any of the following:
- A motoring conviction
- Penalty points
- A disqualification
- A ban
- A driver awareness course
Please contact us.
What should I do if I've modified my car?
Please contact us.
What should I do if I don't want to renew my policy?
We hope that won't be the case, but if you don't want to renew your policy, please contact us.
When will I get my No Claims Bonus proof?
Your No Claims Bonus proof can be found in your renewal pack, you'll find it on the page titled 'Motor Renewal Confirmation (Proof of No Claims Bonus)'.
If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.
Dealing with the loss of a loved one can be very difficult. As well as the emotional upheaval of coping with a death, you may have financial matters to take care of.
If you’ve just lost a loved one who had, or was named on, an Admiral insurance policy, you can let us know by filling out our online form or alternatively phoning us on .
In certain situations, such as if you’re not a fluent English speaker, you may need to set up an authorised caller who can deal with your insurance policy for you.
You can choose what access this person has and what they can do on your behalf, and you can cancel it at any time. You must not pay the person for this service and it’ll still be your responsibility to make sure all policy details are up to date and accurate. All policy documents will still be sent to the policy administrator.
Please call us on to set up an authorised caller. An authorised caller can only be added by a current policyholder or policy administrator.
Power of attorney
A power of attorney is a legal document that lets a person (the ‘donor’) appoint one or more others (known as ‘attorneys’) to help them make decisions or to make them on their behalf. You may choose to do this if your health or circumstances change.
When we receive the power of attorney document, we’ll contact the attorney to let them know we’ve received it and the policy has been updated. We’ll also write to the policyholder confirming the attorney can deal with the policy on their behalf.
Please send power of attorney documents with your policy number to Admiral Group, David St, Cardiff CF10 2EH.
Citizens Advice or a solicitor can help set up the power of attorney and make sure you have the documents we need. If you have any further queries about adding a power of attorney to your policy please call us on .
Health issues can affect us at any stage of our lives. If you feel you need additional support with your insurance policy due to a health concern, please call us on to see how we can help.
Many people face financial worries at some point in their lives. Getting help and advice as soon as possible can help make sure the problem doesn't get any worse.
We're committed to treating our customers fairly when they're struggling, and we'll do our best to help you if you think you might be having financial problems.
For example, if you know your direct debit payment won’t clear, we may be able to change the payment date to suit you better.
For more information on managing debts, visit National Debtline.
Please call us on if you have any concerns.