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.

Yes, you will need to contact us if you are providing accommodation for refugees in a holiday home or rental accommodation which is not classed as your main residence.

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

Mobile phones are covered up to the amount shown on your policy schedule. We will cover the handset but not mobile phone chargers, loss of airtime or any damage caused by liquids.

Our definition of high risk items can be found in your policy booklet so please check that carefully, but it includes things such as jewellery, watches, precious metals, works of art, sporting equipment, collectables, furs and musical instruments.

If you have any high risk items over £1,000 you will need to let us know about each of these items individually so we can add them to your policy. You can then choose to cover each item away from the home.

All Admiral Home policies cover damage by storm or flood, however, any damage to gates, fences, or hedges is specifically excluded in these situations.

You get personal possessions cover up to £2,000 as standard with Admiral Platinum cover but you can choose a higher amount than that if needed. You can add personal possessions cover to our Admiral Home and Admiral Gold.

It covers items which belong to you or your family, which are portable and normally worn, used or carried outside the home in everyday life such as handbags, headphones, tablets and also includes sports, musical and camping equipment. Your items will be covered up to the amount you require, subject to maximum limits.

If you have specified any high risk items over £1,000, they will be covered separately up to the amount you require per item. Our definition of high risk items can be found in your policy booklet.

In some cases, a proof of valuation or purchase receipt - dated within the last 3 years - is required within 30 days of the start of your policy. Photocopies or good-quality photographs are acceptable as long as they can be clearly read. They can be sent to us in a number of ways.

Please ensure that your policy number is noted on any document you send:

• Post - FREEPOST EUI LTD
• Email - customerservices@admiral.com

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

Bicycles worth more than £350 need to be listed individually on your policy and ‘Cover Away from Home’ selected to make sure they're covered outside the home. Find more information on the bicycle cover page.

Yes, please keep any damaged items in a safe place. They may need to be inspected or used as evidence of proof of ownership - this may help us settle your claim faster.

There are two possible reasons that could cause this to happen:

1. If you look after children in your home (the address we insure) we need to include business use on your policy. If this detail is only updated when you call to accept the quote the price will be amended to reflect the risk.
2. If you obtained your quote through a price comparison website you may find some do not ask business use questions required for us to provide an accurate price. When you call in we ask extra questions and this could change the premium quoted.

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

However, if you would prefer to call us, one of our dedicated Claim Handlers will be happy to help and advise you further on your policy cover.

If your home is completely destroyed by an insured event we will pay the costs to rebuild it. We therefore look at how much it would cost to rebuild your home when calculating your premium.

Market value changes depending on economic conditions and also varies depending on location. For example, a four bedroom home in one area will have a much higher market value than in another, but this does not necessarily mean it will cost more to rebuild.

Visit our make a claim page for more information on making a claim.

It all depends on the circumstances - some claims are more straightforward than others. When you call to register a claim, our claim handlers will try to give you an idea of the timescales involved.

If your circumstances change, please let us know straightaway. Changes we don't know about could invalidate your insurance. If you're not sure whether you need to tell us about a change, just call us and check.

Please call our Customer Service Department to update a policy. Opening hours are from 8am-8pm Monday to Friday, 9am-5pm Saturday and 9.30am-4pm Sunday.

An excess is the amount you must pay in the event of any claim. Just check your policy schedule for details of the excess that applies for the incident you are claiming for. If you are an online customer you can view this document by signing in or registering to your account.

More than one excess may apply and total excess may vary depending on the cause of the loss or damage.

Your excess will either be deducted from settlement of your claim, or alternatively, our appointed supplier will collect this amount from you.

To ensure your claim is processed as quickly as possible it would be helpful if you could provide the following eight bits of information:

1. Policy number
2. Full address of the property covered
3. Date and time of the incident
4. Causes 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 or loss reference number, if you've been a victim of theft, vandalism or lost items when outside of home