Defaqto rating: 5/5 stars
Admiral insurance received a five-star rating. This is the highest rating Defaqto offers.
Please note: not all Defaqto five-star rated products have the same covers and terms.
Admiral is a UK-based insurer which launched in 1993.
Admiral originally specialised in car insurance.
2005 - it started selling multi car insurance
2013 - it launched black box (telematics) insurance
2017 - it launched personal loans and car finance products
Other insurance products offered by Admiral include home insurance, travel insurance, pet insurance and Admiral’s van insurance. Admiral also offers MultiCover Insurance – a single policy that offers cover for both home and car and it offers temporary car insurance.
Admiral also trades under a number of different brands, including Elephant, Diamond and Bell for car insurance, Gladiator for van insurance and Veygo for temporary short-term car insurance. It owns the insurance company EUI, which underwrites the majority of Admiral policies.
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Admiral operates a reward scheme. You register for the scheme and shop online or at high street stores including Boots, Asos and eBay. You can use your cash rewards when you renew or purchase a new Admiral insurance policy.
Choice of different cover
If you have younger drivers in your family
If you drive but don’t own a car
Find out if Admiral car insurance is best for your motoring needs
Check before you travel abroad
Admiral is urging drivers who take their car abroad to make sure they have the correct documents before leaving.
As travel restrictions ease following the global Coronavirus lockdown, Lorna Connelly, head of claims at Admiral, is asking drivers to do their homework before travelling.
She says: “Many people are deciding to drive to Europe in the coming weeks instead of flying this year. Our data shows car accidents abroad are more likely to occur in August than any other month.”
She recommends drivers try where possible to:
familiarise themselves with local driving laws
do their homework on unfamiliar road layouts
be aware of signs in foreign languages
Admiral urges drivers to be aware of wildlife
Admiral has reported spike in wildlife being hit on the roads during the Coronavirus lockdown, with deer topping of the list of animals being involved. The car insurer is urging drivers to remain vigilant at all times, despite there being less traffic on the roads.
Lorna Connelly, head of claims at Admiral, says: “Since lockdown began, we’ve seen a marked change in the types of accidents reported.
“Around 9% of all motor claims we’ve received since 23 March involve drivers hitting animals. that’s 2% higher than before the pandemic.
“If you see deer warning signs or are travelling through a forested stretch of road, be sure to check your speed and stay alert. If you see deer, dip your headlights as this may cause them to ‘freeze’ so you should always be prepared to stop.
“If you do have to stop, it’s important to use your hazard warning lights to alert other drivers. Don’t be tempted to approach an injured deer as it could be dangerous, instead you should notify the police.”
The Financial Ombudsman Service received 496 car insurance complaints about Admiral in the first half of 2020, plus a further 97 for Admiral’s insurance company EUI making a total of 593. That gives Admiral just under 12% of all motor insurance complaints. But Admiral has more than 16% of market share so received a much smaller proportion of complaints than might be expected for its size. To put complaints in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.