Admiral Car Insurance: Everything You Need to Know in 2024

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Admiral Car Insurance: Everything You Need to Know in 2024
Admiral Car Insurance: Everything You Need to Know in 2024

DIKSIA.COM - Admiral is a UK-based insurance company that offers a variety of products, including , home insurance, travel insurance, pet insurance and van insurance. Admiral is one of the most popular and trusted options in the UK, with over 30 years of experience and 5 star ratings from Defaqto and customers.

In this article, we will explain what Admiral car insurance covers, what levels of cover you can choose from, what you can add, and how you can save money with Admiral and policies.

What does Admiral car insurance cover?

Admiral car insurance covers you for the costs of accidents and damages that you or your car may cause or suffer. Depending on the level of cover you choose, you can also get additional benefits such as windscreen cover, , uninsured driver promise, new car replacement, and European cover. Admiral car insurance also comes with a 24-hour emergency helpline and a courtesy car (excluding Essential tier).

There are three main levels of cover you can choose from:

  • Comprehensive car insurance: This is the highest level of cover you can buy. It includes , cover and covers the cost of repairing or replacing your car if it's involved in an accident or damaged maliciously. It also comes with extra benefits such as windscreen cover and extended cover for driving outside the UK (excluding Essential tier).
  • , car insurance: This covers you for the costs of damages or injuries you cause to other people or their property, as well as the costs of repairing or replacing your car if it's stolen or damaged by fire. It does not cover the costs of repairing or replacing your car if it's damaged in an accident that was your fault.
  • Third party only car insurance: This is the minimum level of cover required by law in the UK. It covers you for the costs of damages or injuries you cause to other people or their property, but not for any costs related to your own car.

You can compare the features and benefits of each level of cover in the table below:

Feature Comprehensive Third party, fire and theft Third party only
Optional Optional Optional
Roadside Optional Optional Optional
Courtesy Car Yes No No
Uninsured Driver Promise Yes No No
£5,000 Yes No No
24-hour Emergency Helpline Yes Yes Yes
£500 Replacement Lock Cover Yes No No
Child Car Seat Cover Yes No No
Personal Belongings Cover £300* £300* £200*
Windscreen Cover Yes Optional Optional
New Car Replacement Yes No No
Driving Other Cars (Conditional) Yes No No
European Cover for up to 90 days Yes No No
Audio Equipment Cover (Aftermarket) Yes No No
Onward Travel Yes No No

*Personal belongings cover increased to £500 for campervans

What optional extras can you add to your Admiral car insurance policy?

Admiral car insurance also offers a range of that you can add to your policy for an additional cost. These include:

  • : This provides you with unlimited UK roadside recoveries, 24/7, 365 days a year. You can choose from four levels of cover: Local, National, European or European Plus.
  • Personal Injury Cover: This helps you when you're injured, even if you're in someone else's car. It covers you for up to £50,000 for medical expenses, loss of earnings, and accidental death.
  • Hire Vehicle Cover: This keeps you on the road with a hire car if yours is written off or stolen. It covers you for up to 21 days and up to £70 per day.
  • : This helps you with legal costs if you're in an accident that's not your fault. It covers you for up to £100,000 for legal expenses, uninsured losses, and personal injury claims.
  • : This is a smart way for drivers to get a great deal on car insurance. It involves installing a small device in your car that monitors your driving habits, such as speed, braking, and mileage. You can get feedback and tips on how to improve your driving and save money on your premium.
  • : This is a special cover for electric cars or hybrid cars. It covers you for the costs of repairing or replacing your car's battery, charging cables, and wall box. It also gives you access to a network of electric car specialists and a hire car with a similar fuel type.

You can find out more about each optional extra and how to add them to your policy on the Admiral website.

How can you save money with Admiral MultiCover and MultiCar policies?

Admiral also offers two ways to save money on your car insurance by bundling your policies together:

  • : This allows you to bundle your car, home, or landlord insurance and save up to £374. You can get a quote online and choose from different levels of cover for each product. You can also manage your policies in one place and benefit from a single renewal date.
  • : This allows you to insure two or more cars on one policy and get a MultiCar discount. You can get a quote online and choose from different levels of cover for each car. You can also add cars at different times and benefit from a separate no claims bonus for each car.

Both MultiCover and MultiCar policies are flexible and convenient, and can help you save money and hassle on your insurance needs.

Conclusion

Admiral car insurance is a reliable and reputable option for UK drivers, with a range of products and features to suit different needs and budgets. Whether you're looking for comprehensive, third party, fire and theft, or third party only cover, you can find a policy that works for you.