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

Please visit our Make a Claim page to find details on how to register your claim.

To help us process your claim as quickly as possible, please make sure you have the following to hand:

• Your policy number or vehicle registration
• Details of anybody else involved in the incident
• Any emergency services and/or witness details

Customers with Comprehensive cover can contact our roadside emergency helpline 24 hours a day, 365 days a year, please find out more here.

If you need to be towed after a breakdown, you'll need to pay the recovery charges if you're not covered by our breakdown service.

If you require details of how to purchase our breakdown service, please contact us.

If your windscreen or windows have been smashed, damaged or chipped we can organise a repair or replacement.

Windscreen cover is included with our Comprehensive cover and can be bought as an optional extra on Third Party, Fire & Theft, and Third Party Only policies.

Please note:

• Windscreen claims won't affect your No Claims Bonus
• Courtesy cars aren't provided for windscreen claims

To make a claim, please click here.

If your vehicle can be repaired and the damage is covered by your insurance, your car will be repaired by one of our approved repairers.

Any repairs carried out by our approved repairers are guaranteed while you own the vehicle. Any parts used during the repair will be covered under the manufacturer's guarantee.

If you have Third Party Fire and Theft cover, please still contact us to see if we can help.

To make a claim, click here.

If your vehicle can be repaired and the damage is covered by your policy, our approved repairers will give you a courtesy vehicle once the repairs have started.

If your vehicle isn’t driveable, our approved repairer will provide you with a courtesy vehicle when your vehicle has been declared repairable and the repairs have started.

• For cars you'll get a small hatchback
• Van drivers will get a car-derived van

Your courtesy vehicle will also:

• Last for the duration of repairs
• Be covered under your insurance policy on the same terms and conditions as your vehicle (Comprehensive cover only)
• Come with five litres of fuel

If your vehicle has been damaged beyond repair, you will not be given a courtesy vehicle.

If your vehicle is damaged beyond repair, our Claims teams will contact you to discuss the next steps of your claim. We'll instruct a salvage agent to collect your car and take it to a salvage yard. Please make sure all your personal belongings are removed.

If your vehicle is a total loss, your policy will be cancelled including the Driving Other Cars extension (if applicable). If you have a MultiCar policy, we'll simply remove the vehicle in question.

After we've reviewed your claim, we'll make a payment to you, minus any excess and outstanding premium, using industry-recognised guides.

If your vehicle is a total loss, you will not be provided with a courtesy vehicle. This is because the courtesy vehicle is provided by the garage, not Admiral.

If you have Hire Vehicle Cover, you may be entitled to a hire vehicle. Please log into MyAccount to see if you are covered for this. You can also make a claim online.

As every claim is different, it's difficult to give an exact time frame. We'll make sure your claims experience is as quick and stress free as possible.

Once the incident is reported, we’ll be able to give you a better idea of how long the process will be.

After reporting an incident, you don't need to contact us unless we ask you to. We'll keep you updated along the way. If your vehicle's repairable, our approved repairer will contact you to arrange the repairs and a courtesy vehicle.

If your vehicle is beyond repair, we’ll contact you about the valuation of your vehicle.

If you do need to contact us then you can.

An excess is the amount you’re required to pay when you make a claim.

If your vehicle is repairable, the excess is paid to the garage when the repairs are completed. If your vehicle is damaged beyond repair, the excess will be deducted from the payment we make to you.

Your excess details are recorded on your Policy Schedule which can be found in MyAccount.

You're required to pay the excess whenever you make a claim. If the incident wasn't your fault you might be able to reclaim your excess back from the person responsible or their insurance company.

If you have Comprehensive cover, we'll:

• Arrange to get your vehicle repaired or start the total loss process
• Contact anybody else involved and deal with their claim

Please tell anyone else involved in the accident to contact us as we may be able to help with the damage to their vehicle. They can contact our claims team.

To help us process the claim as quickly as possible, please ask them to have your policy number and vehicle registration.

If you receive any correspondence from the other driver or their insurer, please forward it to us and we'll respond on your behalf.

We'll do our best to defend your position using all the evidence we have.

If there isn't enough evidence to support your position, we might have to accept some responsibility. If this happens, we'll negotiate the best possible settlement.

If the other person accepts responsibility for the incident, then their insurance company will reimburse your excess. If there's a disagreement over who was at fault and we have to accept some responsibility, you may only be able to recover part of your excess.

No. You only pay an excess if you make a claim.

If you make a claim, or a claim's made against you, your No Claims Bonus will be reduced at renewal.

• If this is your first claim, you will receive one strike against your No Claims Bonus protection.
• If you make two claims within three consecutive insurance terms, we will remove the protection.
• If you make three claims within three consecutive insurance terms, you will lose your protection and your No Claims Bonus will be reduced.

If you have Guaranteed No Claims Bonus, you can make unlimited fault claims with no affect to your bonus.

If the accident was your fault and you've suffered losses that aren't covered by your insurance, you can't claim for them unless they're covered by alternative insurance.

If the accident was somebody else's fault you can claim your losses back directly from their insurer yourself.

If you've bought Motor Legal Protection, our solicitors will contact you to assess what losses can be recovered and help you recover them.

If you don't have Motor Legal Protection, you may still be able to use their services at an additional cost. We can put you in touch with them to discuss further.

In most cases, making a claim or recording an incident will lead to a price increase at renewal. Your renewal price will be sent to you two to three weeks before your renewal date.

You need to report the incident to the police in the following circumstances:

• If the car's stolen
• If the car's been broken into
• If the car's been maliciously damaged
• If the car's been involved in an arson attack
• If someone's injured as a result of the incident
• If you feel an illegal act has taken place

If a crime's taken place, you need to get a Crime Reference Number from the police.

You should report the theft to the police and get a Crime Reference Number immediately. Then, contact us and we'll start the claims process.

Once our enquiries are finished, we'll settle your claim.

Our main aim is to make sure our customers are back on the road as soon as possible. However, we know insurance fraud is a reality and that a very small number of people give false details to fabricate (or exaggerate) car insurance claims.

We believe it's important to identify these people and avoid paying such claims as they affect the cost of motor insurance for everybody.

We use a number of insurance industry databases to share information with other companies about claims and known fraudsters. We also share some information about car insurance fraud with other financial companies, the police and other bodies where the law allows us to do so.

You can read our full Privacy Statement to understand how we collect, use and protect your personal data.

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

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.

If there’s a no-deal Brexit, you’ll need a Green Card as well as your Certificate of Motor Insurance to drive your vehicle in the countries listed above. The Green Card is proof that you have the minimum level of insurance needed in the country you’re driving in. You must take the original Green Card as photocopies aren’t accepted.

If you’re concerned you may be abroad in one of the countries listed above in the coming months when there’s a chance we could leave the EU, you can request a Green Card using our online form.

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 5 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.

We offer three levels of cover - Admiral Home, Admiral Gold and Admiral Platinum - as you'd expect, the Gold cover offers slightly more than the Home, while Platinum covers more than the Gold.

All three levels offer unlimited buildings cover (subject to eligibility) and access to a 24 hour emergency helpline.

For more information on what's included with each level of cover just visit our main Home Insurance webpage.

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.

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.

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 any pedal cycles that are worth under £350 and would like them covered while away from the home, be sure to include them in your personal possessions total.

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.

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. Please contact us here.

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

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

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.

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.

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.

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 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.

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.

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.

Pedal cycles worth under £350 are covered while they are in the home if you have taken contents cover with us. If you have any pedal cycles that are worth under £350 and would like them covered while away from the home, make sure you include them in your personal possessions total.

If you have a pedal cycle worth more than £350 you will need to let us know so we can add this to your policy. You must then opt to have this cycle covered away from home if required.

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

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.