Existing Customers

No, the driving other vehicles extension is not available on van insurance.

The easiest way to do a van insurance check is to enter the number plate on the Motor Insurer's Database - it's free and tells you if your vehicle's insured as well as confirming the make and model. 

No - you don't pay VAT on an insurance policy, you pay Insurance Premium Tax (IPT) which can't be reclaimed from HMRC. Read our guide to find out more about IPT 

Comprehensive Van Insurance policies sold from 1st February 2019 include Vehicle Replacement cover as standard.

If your vehicle is 12 months old or less and you are the first registered keeper and the vehicle:

• is stolen and unrecovered; or
• suffers damage which is covered by the policy and the cost of repair is more than 59% of the current UK list price (including VAT)

We will:

• Replace your vehicle with one of the same make, model and specification

We must gain authorisation from anyone else who has an interest in your vehicle before we can offer this benefit.

If we settle a claim under this section, the lost or damaged vehicle becomes our property.

What is not covered:

• Any vehicle where the original purchase invoice is not available
• Any vehicle which was not supplied as new in the UK
• Any vehicle purchased under a finance or lease agreement where ownership does not pass on to you
• Vehicles sold as ‘ex demonstrators’ and ‘nearly new’
• Campervans and Motorhomes

If you do not wish for us to replace your vehicle or a vehicle of the same make, model and specification is not available from stock held in the UK, the most we will pay is the market value at the time of loss (less any excess applicable).

These are important changes from the industry regulator, the Financial Conduct Authority (FCA), which will affect companies from January 2022.

The new rules mean that the renewal premium firms offer existing customers will be no higher than the equivalent price that they would offer to a new customer.

The changes have been introduced to help ensure that existing customers who renew their insurance policies are treated the same as new customers.

They’ll affect all motor insurance and home insurance policies as well optional extras, like legal expenses, and will apply to both new customers applying for cover and existing customers considering renewing their insurance.

These changes will apply to all home and motor renewal premiums generated on or after 1st January 2022.

At the time of your motor insurance renewal, we’ll ensure we offer you a price which will be no higher than the price we would offer a new Admiral customer buying the policy through the same sales channel, using the same details.

For example, if you bought your policy over the phone then your renewal price will be charged the same or cheaper than if you were a new customer buying over the phone.

Not necessarily. Insurance prices can go up or down for a variety of reasons. Factors such as if you have made a claim in the last year, if your risk has changed (e.g. if you have added another driver to your motor policy), or external factors such as increases in the costs of vehicle repairs can all impact the price of your insurance at renewal.

For more information on how your price is calculated, please click here.

Our aim is to always offer you an accurate renewal price. However, if you have received a cheaper price from another firm, please contact our renewals team. Whilst we do not price match, we can look over your renewal offer and check to see if your details have changed from the previous year or if there is anything we can do to provide a more competitive quote.