Download the Admiral App. The easy way to view and make changes to your policy.
To submit proof of your No Claims Bonus please use our online form.
Please note: You only need to provide proof of your No Claims Bonus if requested by us.
You can also view and manage your policy on the go via our app. Download the Admiral app to manage MyAccount from your phone.
As well as your personal documents (found in MyAccount) you can find policy books relevant to your cover on the policy books page.
In MyAccount you can:
For general enquiries or to update your policy details choose a product below:
You can also view and manage your policy on the go via our app. Download the Admiral app to manage MyAccount from your phone.
As well as your personal documents (found in MyAccount) you can find policy books relevant to your cover on the policy books page.
To submit proof of your No Claims Bonus please use our online form.
Please note: You only need to provide proof of your No Claims Bonus if requested by us.
You can also view and manage your policy on the go via our app. Download the Admiral app to manage MyAccount from your phone.
As well as your personal documents (found in MyAccount) you can find policy books relevant to your cover on the policy books page.
In MyAccount you can:
To make a change to your policy please contact us.
You can also view and manage your policy on the go via our app. Download the Admiral app to manage MyAccount from your phone.
As well as your personal documents (found in MyAccount) you can find policy books relevant to your cover on the policy books page.
In the portal you can:
To make a change to your policy please contact us.
As well as your personal documents (found in the Portal) you can find policy books relevant to your cover on the policy books page.
To make a Claim download a Pet Insurance claim form and then email to petclaims@insurancefactory.co.uk.
For general enquiries please use our contact us page
Contact usYou can find policy books relevant to your cover on the policy books page.
For pet insurance, Admiral introduce to Insurance Factory Ltd who arrange and administer the policy. Insurance Factory Ltd is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales Number 02982445. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.
To view your loan or check your balance.
If you would like to make an automated payment, make a change to your loan or general enquiries:
If you are having problems paying back your loan, we may be able to help.
We’re currently working on a customer portal so that you can easily check your balance or update your details. In the meantime, you can give one of our friendly agents a call if you would like to make a change to your Car Finance or if you have a general enquiry:
If you are having problems paying back your loan, we may be able to help.
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:
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':
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:
You will be able to protect your No Claims Bonus so long as:
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:
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:
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 (excluding Essential tier) and can be bought as an optional extra on Third Party, Fire & Theft, and Third Party Only policies.
Please note:
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.
Your courtesy vehicle will also:
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:
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 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 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.
Excluding essential tiers, you’re covered to drive in
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:
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 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?
How we will validate your policy details?
What action will we take?
Are there any costs involved?
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:
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:
If you have had any of the following:
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.
LittleBox can be great for any safe driver looking to save money on their car insurance, there are just a few things you need to make sure suit you:
Yes, you can drive as soon as your cover starts.
The LittleBox collects information about when the car is used, how far it travels and its location, as well as information on your driving behaviour including speed, acceleration and braking.
This information is used to analyse your driving behaviour, determine how safe a driver you are, and to verify your policy information such as address and mileage.
Yes, LittleBox does send location information but we also look at how well you drive in order to offer you the best discount possible. We take a positive approach to your car insurance and encourage our customers to enjoy driving.
Our units are about the same size as a modern smart phone and are fitted out of sight in your car.
There is no additional charge for the first installation.
We only share the information with those companies required to provide the services under the policy, such as the telematics LittleBox service provider. Information isn't sold to or shared with anyone else.
During your quote just let us know how many miles you will cover over the year, and your premium will automatically include these. If during the year you need to travel further you will need to inform us, so we can increase your mileage to ensure you remain covered. Minimum mileage restriction applies (1,900 miles).
We will contact you regarding the installation of your LittleBox. This can be completed at a destination of your choice.
You will be provided with a number for our installation team and you will be able to re-arrange.
No, you can drive at any time of the day or night with no curfew - however frequently driving at risky times, such as after 10pm, may reduce your driving score.
No. If you do not renew your policy there will be no additional charges. You will only have to pay the cancellation fee if the policy is cancelled before renewal.
We do not ask you to tell us who is driving the insured vehicle at any particular time. Your driving score will be calculated on overall use of the car, so you will need to make all named drivers aware that they can influence your driving score.
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:
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.
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