Admiral Home Insurance Review | Bobatoo

Admiral Home Insurance Review

Three levels of cover available

Keys covered as standard

Useful optional extras

Admiral logo
Admiral logo

Who is Admiral?

Admiral is an insurance provider based in the UK, offering products such as car insurance, travel insurance and home insurance.

Admiral is a member of the Admiral Group, which also owns other popular insurance brands like Diamond and Elephant as well as price comparison website,

Admiral home insurance home page

Home insurance packages – what they have to offer

Admiral offer three levels of home insurance: Admiral Cover, Admiral Gold Cover and Admiral Platinum Cover.

All three policies come with unlimited buildings cover, insurance for lost and stolen keys and cover for damage sustained by garden furniture as standard.

On top of their standard home insurance packages, Admiral also offer a range of optional extras which you can add to both basic and gold home insurance packages – all of these extras come as standard for platinum policyholders.

Admiral Cover (Basic Home Insurance)

Admiral’s cheapest and most basic form of home insurance is simply named ‘Admiral Cover’.

With an Admiral Cover home insurance policy you are entitled to a range of core benefits, including unlimited buildings cover, up to £50,000 of contents cover and access to a 24-hour emergency helpline.

You also get £350 of cover for bicycles included as standard, with the option to purchase additional cover if necessary.

Admiral Gold Home Insurance

With an Admiral Gold home insurance package, you receive the same unlimited buildings cover as you would with a basic home insurance policy.

An Admiral Gold home insurance policy provides you with an extra £25,000 worth of contents cover, taking your overall limit to £75,000.

You also get access to Admiral’s 24-hour emergency helpline as well as boiler emergency insurance, covering you for a maximum of £500 per claim if you encounter a problem with your central heating, hot water supply or boiler. You are limited to making two claims per policy term.

You get up to £5,000 worth of trace and access cover, covering the cost of both identifying and repairing the source of any water leaks in your home.

Any bicycles are covered for up to £350 with the option to purchase extra cover.

Admiral Platinum Home Insurance

The most comprehensive home insurance package on offer, Admiral Platinum Cover is designed for those looking for extra security.

Contents cover is boosted to a comprehensive £150,000 while you also get home and boiler emergency cover, allowing you to claim up to £500 towards the cost of a tradesman making a temporary fix to plumbing and central heating as well as cover for home security and any pest infestation.

Platinum home insurance comes with £100,000 worth of legal protection for you and your family to assist with any property, employment or personal injury disputes as well as cover for any accidental damage sustained by your property, personal belongings or fixtures and fittings.

You will also be provided with a maximum of £2,000 worth of cover for your personal possessions and £10,000 trace and access cover, as well as matching items cover which will provide you with a replacement for all matching furniture if one damaged suite cannot be replaced like-for-like.

As with the other, cheaper policies, you get £350 worth of cover for bicycles with the option to purchase additional cover if you deem it necessary.

Additional extras

While an Admiral Platinum home insurance policy offers fully comprehensive cover, you can purchase specific extras to increase your cover on both a basic and Admiral Gold package.

Optional extras for Basic and Gold policies

  • Family legal protection – £100,000 worth of support for any employment, property or personal injury disputes (as long as there is a reasonable chance of your claim being successful).
  • Home emergency cover – £500 towards the cost of a tradesman being called out to make temporary repairs to your plumbing and/or central heating.
  • Boiler emergency cover – £500 towards the repair costs of your central heating, hot water supply or boiler.
  • Accidental damage cover – Cover for any accidental damage sustained to your home, personal belongings or fixtures and fittings.
  • Personal possessions cover – £20,000 (£1,000 per item) worth of cover for possessions you carry around with you like clothes, bags and jewellery.

Even with an Admiral Platinum home insurance policy, there are a number of extras you can purchase to increase your level of cover.

Optional extras for Basic, Gold and Platinum packages

  • Additional bicycle cover – Cover for bicycles worth more than £350.
  • High-value items cover – Cover for individual items worth more than £1,000, such as computers and other expensive technology, artwork or jewellery.
  • Host insurance – Cover for renting out your home on websites like Airbnb.

Admiral home insurance exclusions

As is the case with any type of insurance, some things are excluded from your policy.

For example, Admiral’s home insurance policies will not pay out for items which are damaged due to wear and tear or gradual deterioration, while they also require you to inform them if your home is being used for business use – failing to do so could invalidate your policy in the event of a claim.

You also won’t be covered if your property is left unoccupied for more than 30 days (without informing Admiral beforehand).

How much does Admiral home insurance cost? – Finding the cheapest home insurance

Home insurance prices can vary, but the average cost of home insurance in the UK is around £160 for a combined buildings and contents insurance policy.

Admiral customers can expect to pay as little as £116 for a combined buildings and contents home insurance policy, depending on their circumstances (based on 10% of tier Instaquote customers between January and June 2020 - MultiCover not included).

By comparing the cost of having separate policies vs a combined policy, it generally works out much cheaper to get a combined buildings and contents policy.

The price of your home insurance policy can vary significantly depending on multiple factors that home insurance companies take into consideration when calculating your premium.

These include:

  • The size of the property
  • The type of property
  • Whether or not the property is ‘listed’
  • Your address
  • Your claims history
  • Your excess
  • Your home security

You may wish to purchase your buildings and contents policies separately. People getting a cheap buildings insurance quote with Admiral could end up paying as little as £104. For a single contents insurance policy, customers may be able to pay just £56. Both prices are based on 10% of Admiral tier Instaquote customers during January and June 2020.

To find out exactly how much it would cost to insure your home, get a free quote with Admiral today.

Admiral home insurance: The pros and cons


  • Loss/theft of keys covered as standard
  • Boiler cover included under home emergency cover
  • 3 policies to choose from
  • £150,000 of contents insurance with platinum packages


  • Theft from outbuildings limited to £1,000
  • £25 for cancelling within the 14-day cooling off period

Admiral home insurance FAQs

Customer experience – Admiral home insurance reviews

Using websites like Trustpilot can give you a rough idea of what to expect from Admiral in regards to their level of service.

From over 5,000 reviews, 67% of customer rated Admiral’s insurance services as either ‘great’ or ‘excellent’, with an average 4.5/5 rating – Trustpilot do not offer a reviews page for home insurance specifically, so these reviews also take car and travel insurance into consideration.

Admiral Trustpilot 4 star rating

Some of the positive reviews on Admiral’s home insurance are complimentary of the customer service offered by Admiral’s claims advisors, while many customers have said that Admiral offered the best home insurance at the most competitive price.

Ratings (out of 5)

Trustpilot – 4.5 – 4

SmartMoneyPeople – 4.5

Reviewcentre – 4

Average: 4.25/5

Home insurance with Admiral

If you’re looking for a new, cheap home insurance policy then Admiral’s basic, gold and platinum packages might be for you.

To get a free home insurance quote with Admiral today, click the green button below.