Home Insurance

Cover for liability (as the owner or an occupier of your home) is included on all polices up to £1 million on the Admiral tier and up to £2 million on the Gold and Platinum tiers.

You can check your policy details in My Account.

We cover mobile phones up to £1,000 in value under contents policies when inside the home. 

If you want to cover mobile phones worth over £1,000 you must tell us about them so we can add them to your policy. 

We don't cover any mobile phone charges or loss of airtime.

High-risk items include jewellery, watches, precious metals, works of art, sporting equipment, collectables, and musical instruments.

You can find our full definition of high-risk items in your Policy Book. 

You don’t need to tell us about any high-risk items valued at £1,000 or less.  

If you have any high-risk items over £1,000 you must tell us about each of these individual items so we can add them to your policy. You can then choose to cover each item while you're away from home.

All Admiral Home Policies cover damage caused by storm or flood, however gates, fences, or hedges are excluded in these situations.

Our Admiral Platinum cover includes personal possessions cover up to £2,000 as standard. You can increase this if needed. 

You can add personal possessions cover on Admiral and Admiral Gold cover.

Check your Home Policy Schedule for cover limits.     

If you have specified any high-risk items over £1,000, they'll be covered separately up to the amount you require per item. Our definition of high-risk items is in your Policy Booklet.

For more information, read our personal possessions cover guide.

If we need proof of valuation or purchase receipt, it must be dated within the last three years and sent to us within 30 days of your policy start date.

Photocopies or good-quality photographs are acceptable if they're clear and readable. Your policy number must be on all documents you send to us.

You can send us proof of valuation in two ways:

• Post - FREEPOST EUI LTD, Ty Admiral, David Street, Cardiff, CF10 2EH
• Email - customerservices@admiral.com

Bicycles worth up to £350 are automatically covered in and away from your home with our Contents Insurance.     

Bicycles worth more than £350 need to be added to your policy individually. Find more information on the bicycle cover page.

If it's safe, please keep any damaged items in a safe place as we may need to inspect them or use them as evidence for your claim. This may help us settle your claim faster.

Some price comparison websites don't ask if you run a business from home. Without this information, your quote isn't accurate.

When you call us, we'll ask you extra questions like business-use which can affect your quote price.

You can find details of your policy cover in your Policy Booklet, along with your Home Policy Schedule. You may find this helpful before contacting us to report a claim.

However, if you'd prefer to contact us, one of our dedicated Claims team can help you further on your policy cover.

If your home's destroyed, and your claim is valid, we pay the costs to rebuild it. This means we need to know the rebuild cost when calculating your premium.
     
Market value changes depending on economic conditions and location. For example, a four-bedroom home in one area may have a much higher market value than in another, but this doesn't necessarily mean it costs more to rebuild.       

If you take out an ‘Instaquote’ policy with us, we don't ask for a rebuild cost as we make assumptions to quote you more quickly and easily.

Find out more information on our make a claim page.

It depends on the circumstances as some claims are more straightforward than others. 

After you register a claim, our Claims team will give you a rough estimate of timescales.

If your circumstances change, you must tell us immediately to avoid invalidating your insurance. Some changes may affect your premium cost. 
If you're unsure whether you need to tell us about a change, call us and check.    

More information about how to update your policy can be found on the on our Contact Us page

Home insurance excess is an agreed to amount you must pay towards a claim before we make a contribution. The excess is either deducted from your claim settlement, or our appointed supplier collects the amount from you.

You can find your home insurance excess amounts in your Home Policy Schedule, which we sent you via email or post when you took out your home insurance policy. You can also find it in MyAccount.
 
More than one excess may apply, and it may vary depending on the type of claim.

To make sure your claim is processed quickly, you'll need the following initial information:     

1. Policy number     
2. Full address of the property covered     
3. Date and time of the incident     
4. Cause of the loss or damage     
5. Claim value (if known)     
6. Details of any person responsible for the incident     
7. Any relevant documents or photographs to support your claim     
8. A crime reference number, if the claim is due to theft, riot or vandalism

No, you don’t need to tell us if refugees will be living with you temporarily at your main residence as they would be considered as visitors. But you should contact us if they are still living with you at your next renewal.

If you’re thinking of providing a home for refugees in a second property that you own – such as a holiday home or rental accommodation – you will need to contact us to discuss this further.

Please call us on 0333 220 2090 if you have Admiral Home Insurance, or 0333 234 9965 if you have Admiral Landlord Insurance.