Frequently Asked Questions
How do I make a claim?
Who is covered with my policy?
Our GAP policies cover the policyholder and all named drivers on your comprehensive motor insurance policy.
I've added some optional extras to my car; will the cost of these be covered?
Yes, if you've bought your car within the last 100 days and paid for manufacturer optional extras, these will be covered. You just need to give us an accurate invoice price including the cost of any optional extras.
Does GAP insurance cover me if my car is stolen?
Yes, in the unfortunate event your car is stolen and your main insurance provider pays out your GAP policy will provide protection.
Why do cars depreciate in value?
There are many things which can cause a car to lose value. Generally, as cars age, their mileage increases and condition gets worse, resulting in a slump in value. Typically you can expect to lose between 15% and 35% in the first year and up to 50% or more over three years. Service history, number of owners, and reputation of model can also cause values to drop. Find out more in our guide 'What is car depreciation?'
Are there any exclusions?
As with all policies there are some exclusions, we’ve listed some of the main ones below but for a full list see our policy booklet.
We don't cover:
- Touring caravans
- Non-United Kingdom specification Vehicles or not built for principal sale in the UK
- Grey imports
- Kit cars
- Buses and coaches
- Commercial vehicle more than 3.5 tonnes
- Trucks and HGVs
- Emergency or military vehicles
- Courier or delivery vehicles
- Driving school tuition cars
We don't cover cars used for track days, road racing, rallying, pace making, speed testing or any other competitive event.
What does 'written off' mean?
When a vehicle is so badly damaged it can be deemed as beyond economical repair by an insurer - known as 'written off' or a 'total loss'.
What if I already have new vehicle replacement with my car insurance provider?
You may be entitled to new vehicle replacement cover under your motor insurance policy for the first 12 months, if your car is written off or stolen. Should you accept a new vehicle from them, your Admiral GAP Insurance could benefit you in one of the following ways:
- Use your GAP cover to help with your motor insurance excess (up to £250).
- Transfer the GAP cover to your new vehicle.
- Receive a full refund of any premium paid for your GAP cover.
If your motor insurer does not offer you a new replacement vehicle, or you decide not to accept it, your Admiral GAP Insurance will pay as normal.
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 send us an email or 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.
This insurance is provided by Car Care Plan Limited. Registered Office: Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire, BD3 7AG. Registered in England. Company No: 850195. Car Care Plan Limited is authorised and regulated by the Financial Conduct Authority.