Contact us: Travel Insurance
Frequently Asked Questions
Am I insured to travel 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 and Croatia.
The car is also covered while being transported by air, sea or rail between these countries.
Your current Certificate of Motor Insurance allows for a maximum of 30 consecutive days in any one trip, and up to a maximum of 90 days in a year. International travel 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 contact us.
What is your definition of Europe?
When we refer to Europe, we are referring to the following countries and territories: Albania, Andorra, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland (including Aland), France (including Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Svalbard), Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, The United Kingdom (including Channel Islands and Isle of Man), Vatican City.
Does travel insurance cover natural disasters?
Cover for catastrophes including fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity including ash cloud, flood, tidal wave, tsunami, medical epidemic or pandemic are all included as standard on our Gold and Platinum policies. This cover is not included in our Admiral level policy.
I’ve just found out I’m pregnant and I don’t wish to travel. Am I covered?
No, you'll only be able to claim for cancellation due to pregnancy if your doctor advises against travel due to specific medical complications.
Take a look at our Travel Insurance and Pregnancy page for more information.
Is terrorism covered?
Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation section, Personal Accident section and Hijack section (where cover is provided as part of the platinum tier only).
Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.
Acts of terrorism can include:
- Violence against a person
- Damage to property
- Putting life in danger
- Creating a health risk to the public
- Interfering with or seriously disrupting computer systems or transport services including cyber terrorism
- Biological, chemical or nuclear force or contamination
What cover is there for dental treatment?
With new policies, you’re covered for up to £400 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” under the Emergency Medical and Repatriation section of your cover (subject to your excess).
Can I upgrade my travel policy cover level after I’ve taken it out?
No, sorry. Currently, this isn’t possible.
Will my holiday insurance cover me if the travel agent/tour operator/airline company goes into administration?
No it doesn't cover this. If the company is an ABTA member, you can submit a claim to them for the cost of your holiday.
What does excess mean in travel insurance?
The policy excess is the amount you must pay towards any claim. The excess applies to each insured person and each event that leads to a claim.
What happens if I lose my passport while I'm on a trip?
You can make a claim for the cost of extra transport, accommodation and administration costs you have to pay to get a replacement passport or emergency travel document. We’ll pay up to £300, £400 or £500 (depending on your tier of cover) towards these costs.
Please keep all receipts and obtain written confirmation from the embassy/consulate showing the date of the incident and cost of the replacement passport.
Do you cover children under 18?
Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).
A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.
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.