Manage your Admiral account

Yes. Just click on Get a quote for MultiCar Insurance or Single-Car Insurance and once you've completed the process, cover can start immediately.

You can pay in full by Visa, Mastercard, American Express, Switch/Maestro, Solo or Delta. And for most policies, you can also pay monthly by Direct Debit. Please call our Sales Department to check this is available for your policy.

You'll need to use the same payment method for all of the cars on your MultiCar policy.

Normally either the policyholder or their partner needs to be the registered owner of the car. We can sometimes insure personal lease cars.

We offer three levels of car insurance cover:

• Comprehensive cover offers you the highest level of protection. You are covered for accidental damage, fire, theft or malicious damage to your own car, as well as any damage you cause to other people and their property. 
• Third Party, Fire & Theft cover insures you against fire or theft damage to your own car, or any damage you cause to other people and their property. 
• Third Party Only cover is the lowest level of protection available. You are covered for any damage you cause to other people and their property. Your car is not covered for any type of loss or damage.

Our Bonus Accelerator policy lasts for 10 months instead of 12, but credits you with a full year's No Claims Bonus after 10 months. This means that you can build up your No Claims Bonus more quickly, so long as you don't make a claim.

Our Bonus Accelerator policy could be suitable for people who are taking out insurance for the first time, or who have recently lost their No Claims Bonus.

We need to make sure that your car insurance policy covers the activities that you use your car for. There are four 'classifications of use': 

• Social only: Using your car for social, domestic and pleasure purposes. This does not cover use between home and work. 
• Social and Commuting: Using your car for social, domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. This does not cover any form of business use, including journeys to different places of work. 
• Business for Policyholder Only: This includes Social and commuting use for the policyholder only, to use the vehicle in connection with their business or profession and different places of work. For example: a training officer travelling between 2 or more sites within the same day, Cardiff and Swansea, or a child minder/carer taking a child/elderly client out in their car.
• Business for All: This includes Social and Commuting as well as use by the policyholder and all named drivers, to use the vehicle in connection with their business or profession and at different places of work. For example, a husband and wife require Business Use, but each have different professions.

Every year you drive without making a claim or having a claim upheld against you, earns you an additional year of No Claims Bonus (NCB).

For every year of claim free driving, you earn a discount off the cost of your renewal. If you have already earned No Claims Bonus with your previous insurer, we will ask you to send us written proof (usually a renewal notice or Proof of No Claims Bonus letter from your previous insurer).

Your No Claims Bonus builds up to a maximum of 15 years.

We can accept proof of No Claims Bonus from any EU country so long as it is in writing and we can confirm the bonus with the insurer if necessary.

The proof document must show your No Claims Bonus in years and not as a percentage. We can only accept No Claims Bonus from the EU.

In some instances we may accept No Claims Bonus from a company car scheme. We would need to see the following information on company headed notepaper: 

• Your name 
• Dates of insurance with the company 
• Details of any claims or accidents 
• Registration number of car insured with company 
• Confirmation of social, domestic and pleasure use 
• Confirmation you were the sole user of the car i.e. it was not a 'pool' car 
• Confirmation you no longer have use of this car i.e. the No Claims Bonus has been released

You will be able to protect your No Claims Bonus so long as: 

• You have four or more years No Claims Bonus 
• All drivers on the policy have a full UK or EEC licence

We can cover you if your car is registered in the UK. If you are buying your car outside the UK and require cover to return home, insurance will need to be arranged in the country of purchase. This is an EU requirement.

It depends on the type of modifications. Please contact us here for further details.

An excess is the amount you must pay in the event of any claim, regardless of who's to blame for the incident.

The excess will vary depending on the car that is covered, the age and experience of the drivers on your policy and if you have opted to take protected or guaranteed No Claims Bonus protection.

Details of your policy excess can be found on the reverse of your Policy Schedule. If you are an online customer you can find your policy excess on your Policy Schedule by signing in or registering to your online account.

If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.

There are four types of licences we accept: 

• UK full (including automatic licences) 
• UK provisional 
• EEC full 
• Non-EEC full for certain countries

We use industry standard Secure Socket Layer (SSL) 128 bit encryption technology to keep your personal information as secure as possible.

Excluding essential tiers, you’re covered to drive in

• Great Britain, Northern Ireland, the Isle of Man and Channel Islands
• Any other country in the European Union
• Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland.

Your vehicle is also covered while being transported by air, sea or rail between these countries.

You’re covered as shown on your Certificate of Motor Insurance for a maximum of 90 days per policy term. Make sure you take your Certificate of Motor Insurance when you travel.

The UK government has confirmed that Green Cards are no longer required to drive in:

• Countries in the European Union (EU)
• Countries in the European Economic Area (EEA)
• Andorra
• Bosnia & Herzegovina
• Serbia
• Switzerland

Admiral does not supply Green Cards for any other country.

Essential tier customers will need extra cover to drive abroad. If you wish to upgrade your tier, please call.

You must be aged 25 or over to qualify for the driving other cars policy extension, however this criteria alone does not mean you have this cover. In some cases you may be covered under your policy to drive someone else's car. The cover is Third Party Only and doesn't apply to any cars you own or lease yourself.

Please check section 3 of your current Certificate of Motor Insurance to see if you have this cover.

If you are an online customer you can view this document by signing in or registering to your account.

If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.

Only if they are named on your Certificate of Motor Insurance. You can easily add another driver to your policy permanently or temporarily. Make this change in MyAccount.

We may be able to insure a car for you temporarily. Make this change in MyAccount.

If you want us to cover a courtesy car from a garage, we will only be able to do this if the garage won't provide you with cover.

Please note, there will be a charge for putting a temporary car on your policy.

You must be named as a driver under section 5 of the car's Certificate of Motor Insurance, to be able to drive it.

If you are an online customer you can view this document by signing in or registering to your account.

If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.

Whenever you buy an insurance policy, we take steps to ensure we know the cover we are providing is right for you so we can support you when you need us, for example, if you have to make a claim and to combat any fraudulent activity.

To do this, we may contact you to validate some of your details at any time after you have bought your insurance, and we hope that you'll be able to help us resolve any enquiries quickly.

Please remember it is your responsibility to check you have answered every question we ask honestly and accurately before buying your policy.

Why do we validate our Insurance policies?

• By validating insurance policies, we know we are providing you the fairest price for your insurance, and that information we hold is correct. This also helps us in our continued effort to combat fraud and ensure that your policy is unaffected. We recognize that mistakes happen, so by validating policies we ensure a genuine oversight doesn't become a problem if you need to make a claim.

How we will validate your policy details?

• As an insurer we may check your details against databases available to the insurance industry, online quotations and any past or present policies within the Admiral group. We may also ask you to provide documentation to validate the information we hold.

What action will we take?

• Our validations teams are here to help and make sure your policy is correct. In cases where we have to make a correction to your policy as a result of the validation process there may be an additional premium to pay as well as our administration fee. In certain cases we may be unable to continue the policy or had we known the correct information, would not have accepted the policy. In these cases the policy may be cancelled or in more serious cases declared void and of no effect since its inception.

Are there any costs involved?

• If your policy is voided or cancelled please be aware charges may apply, If a change is made following a validation because of different information, we will charge an administration fee and any additional premium that may be applicable. You can find these charges on our website under existing customers, Legal information, and your agreement with EUI limited.

Why are we requesting this information?

Since 8 June 2015, the paper counterpart to the photocard driving licence isn't valid and is no longer issued by DVLA.

In order to replace the paper counterpart the DVLA has created My Licence and Share my Licence, where you can view and share your driving information. We require this information in order to validate the information we hold for you.

What do we need to see?

My Licence and Share my Licence - https://www.gov.uk/view-driving-licence

If we have requested this information from you please make sure you have included the following pages:

• Your details
• Vehicles you can drive
• Penalties and disqualifications

Alternatively, you can click the Share your licence information tab and select Create a code. This code is valid for 21 days.

You can pay for your renewal by debit/credit card or direct debit.

To make renewing as easy as possible we will automatically renew your policy based on the information you have supplied, unless you have opted out of this feature. If all your details are correct, then you don't have to do anything.

If you paid for your last year's policy using your own debit/credit card, we will automatically renew your policy and debit the premium from your card on your renewal date, unless you tell us otherwise.

If you paid for your policy using someone else's card, please ensure the cardholder is happy for us to debit your renewal from their card again this year.

We'll do our best to keep your renewal premium as low as possible. If you have four years or less No Claims Bonus and have not made a claim during your time with us, you'll get a further year's No Claims Bonus. This will reduce your premium, but rate increases during the year may mean your premium is still higher than last year.

If we already know about the claim before we post your renewal pack, your No Claims Bonus entitlement will have already been amended and your renewal premium revised to take the claim into account.

If you make a claim and we've already posted your renewal pack, we will have to amend your No Claims Bonus entitlement and revise your premium. We will let you know what your new premium is as soon as you notify us about the claim.

We will reduce your No Claims Bonus for every claim you make where we don't recover all of our costs.

Your No Claims Bonus will be reduced by two years (or whatever you have if less than that) for every fault claim you make. Also, you won't get an extra year's No Claims Bonus when your policy is due for renewal.

You can make up to two fault claims in three years before we will remove the protection.

If you make three fault claims in three years, we will remove the protection and reduce your No Claims Bonus by two years.

You will be able to protect your No Claims Bonus so long as: 

• You have four or more years No Claims Bonus 
• All drivers on the policy have a full UK or EEC licence

Just contact our Renewals department.

If you have had any of the following: 

• A motoring conviction 
• Penalty points 
• A disqualification 
• A ban 
• A driver awareness course

Please contact us here.

Please contact us here.

We hope that won't be the case, but if you don't want to renew your policy, please contact us here.

Your No Claims Bonus proof can be found in your renewal pack, you'll find it on the page titled 'Motor Renewal Confirmation (Proof of No Claims Bonus)'.

If you are an online customer you can view this document by signing in or registering to your account.

If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.

Policy books tell you everything about a particular type of insurance and what it does and doesn’t cover. Anyone can read the policy book.

Your personal documents are specific to you and the cover you bought. Examples include your certificate of insurance and policy schedule.