Admiral car insurance review
History of company
Admiral is one of the largest and most popular car insurance companies in the UK, and won The Personal Finance Awards Best UK Car Insurance Provider in 2014, 2015, 2016 and 2017.
Admiral was set up as a specialist car insurer in 1993, and launched their popular multi-car insurance product in 2005. They also now offer black box insurance called LittleBox.
Admiral was founded in 1993 as a specialist car insurance company, and has its headquarters in Cardiff. Admiral Insurance is a subsidiary company of the Admiral Group, along with its sister companies Diamond Insurance, Bell Insurance and elephant.co.uk.
The Admiral Group employs over 8,000 people and has over 4 million customers. It is also the only FTSE 100 company to be based in Wales.
Admiral originally specialised in offering car insurance for higher risk drivers with high premiums – such as young drivers – but have since moved to broaden their customer base by offering a wider range of policies.
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Admiral car insurance products
Admiral is these days best known for its focus on multi-car insurance, which offers cover for more than one car on a single policy for a discounted price.
There’s more to Admiral than just the flagship multi-car product though. As well as offering traditional car insurance, they have also introduced a specialist black box car insurance product called LittleBox, offer classic car insurance deals, learner insurance deals and car-sharing policies.
Admiral multi-car insurance
With Admiral multi-car, you can insure all the cars in your household on the same policy, with each new car you add earning its own discount and No Claims Bonus.
The more cars you add to the policy, the bigger the discounts as Admiral basically offer a ‘bulk-buy’ discount on the policy. It also helps to keep admin costs down as all the vehicles are on the same policy, which can be passed on as cheaper premiums to everyone in your household.
Discounts of over £400 are available under an Admiral multi-car policy, so it is definitely worth considering. The policy offers:
- Comprehensive cover
- No Claims Bonus for all named drivers
- 90 days European cover as standard
- Windscreen repair
- Courtesy car
- Sat-Nav, stereo and perosnal belongings cover
- 24 hour emergency helpline
Watch the below video to learn more about Admiral multi-car insurance:
Admiral LittleBox insurance
LittleBox is Admiral’s name for their black box insurance product, which is targeted towards new and young drivers who are typically faced with high premiums. By tracking their driving habits and rewarding safer driving, Admiral is able to offer cheaper premiums to these drivers – with savings as high as 26%.
Unlike many other black box insurance companies, Admiral’s policy doesn’t impose any curfews on the policyholders – although it’s worth bearing in mind that if you regularly drive after 10pm then you will face higher premiums.
The black box is fitted by an Admiral engineer after you have signed up to the policy, and will be placed out of sight behind the dashboard. It tracks information like the times and distances you tend to drive, your speed, how you take corners, how smoothly you brake and how economically you drive. All this and more is used to create a profile of you as a driver, which then informs how much you are charged for your insurance.
Learn more about Admiral LittleBox:
Admiral classic car insurance
Admiral offer single classic car insurance policies, as well as allowing policyholders to include a classic car on their multi-car insurance policies.
With the classic car insurance, they offer an agreed valuation that is fixed for two years as well as all the other standard policy features such as windscreen repair, stereo cover, European cover and so on.
The important aspect of any classic car insurance is what criteria the insurer uses to deem a car a classic. In Admiral’s case, they will treat your car as a classic if
- It is over 20 years old
- It’s under 70 years old (anything older is considered vintage)
- It is valued anywhere between £1,000 and £100,000
Admiral learner insurance
Admiral also offers learner driver insurance for people with a provisional licence, who can get cover for as little as £1.71 per day.
Learner insurance can be purchased through Admiral for 7 days, 30 days, 60 days or 90 days, and they offer immediate cover.
A major benefit of Admiral’s learner insurance is that the owner of the vehicle you are learning in will not be putting their No Claims Bonus at risk while teaching you.
How much does Admiral car insurance cost?
The price of an Admiral car insurance policy depends on a lot of different factors, for example:
- The make and model of your vehicle
- The age of the vehicle and mileage
- Your age
- Your address
- Where you keep the car overnight
- What you use the car for (commuting, social, work etc…)
The type of policy and level of cover you opt for will also influence the cost. Admiral offers all levels of car insurance cover, including comprehensive and third party, so there are a lot of options. A single car policy with Admiral could cost as little as £168 (depending on your No Claims etc…), but the best value to be found with Admiral is via their multi-car policies.
Admiral is considered to be quite a cheap car insurance company as the policies they offer tend to be pretty basic, with many features being optional extras. As such, it is likely that you will get a cheap quote from Admiral – just make sure you are getting the right level of cover you need.
Admiral customer reviews
Admiral has signed up to Reevoo to manage their customer reviews, where they currently have a rating of 97% for overall satisfaction and a mark out of 10 of 9/10.
However, on TrustPilot the reviews are not quite as glowing – with an average of just 4/10.
On reviews.co.uk Admiral scores 3.5/10 from over 500 reviews.