Contents
Admiral Car Insurance Reviews
About Admiral
Admiral Group plc is a British financial services company founded in 1991 by Henry Engelhardt. Admiral is headquartered in Cardiff, Wales, U.K.
What does Admiral offer?
Admiral offers three levels of car insurance coverage and six different policy types. This company is mainly known for its multi-car policies because it’s the BEST. Its multi-car policy allows the policyholder to have only one renewal date.
It aligns every time a new car is added to the policy. Since 2005, Admiral has insured over 8 million vehicles with multi-car insurance. Here’s the best part, for each vehicle that has been on the policy for more than three months, the customer gets a full year of no-claims bonus.
However, the no-claims rule doesn’t include other cars on the policy. Admiral also offers single car policies and “Black Box” insurance known as LittleBox.
It would help if you understood that Admiral does not underwrite all of their car insurance, which means Admiral, RAC, or Amtrust may write your policy.
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What is Black Box auto insurance?
Black Box, known as LittleBox, is Admiral car insurance for young drivers; it offers benefits for youthful drivers that are under Admiral’s protection. These benefits include free theft-tracking and no curfews.
The no curfew perk will not apply to those who drive at night often. This policy allows the drivers to demonstrate safe driving behaviors by a black box recording device installed in drivers’ vehicles which monitors the drivers’ actions and, in exchange, the driver’s insurance premiums reduced.
If you want to get this policy, your car needs to be worth at least £250, it needs to be driven at least 1,900 miles annually, and the vehicle must have been manufactured in the last 15 years.
About Admiral MultiCar insurance
Admiral is really known for its focus on multi-car insurance deals. Admiral multi-car insurance policies have a number of perks and benefits, such as replicated no claims discounts and available savings as more cars are added to the policy.
Plus, one single policy date applies to all vehicles under multi-car cover, making it easy for the policyholder to keep track of renewal dates. Every car in this type of policy gets its own discount, and they don’t have to be registered at the same address to be included in the same policy and earn a discount.
So basically, you can add your friends or family’s vehicles to your policy, split the bill on the policy and earn discounts.
As each car earn its own discount, each claim only affects them. Neither you nor any of the other policyholders won’t be affected in any way.
And don’t worry, as mentioned, each car gets its own perks, including the no-claims discount. Therefore, you can still have your no-claims discount if someone makes a claim.
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The types of coverages Admiral offers
Here are the primary coverages in the U.K. that Admiral offers:
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Third-party only (TPO):
This is the most basic level of coverage, which is also required by law. TPO covers the damages done to another car or its inhabitants if you’re involved in the accident, but this coverage does not cover the repair costs of your vehicle.
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Third-party, fire, and theft (TPFT):
TPFT pays for the third party and the damages or the loss of your car by fire or theft.
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Fully comprehensive:
Fully comprehensive is the highest level of coverage you can have on your policy. It even includes TPFT and the costs of repairing or replacing your vehicle if it’s in an accident or vandalized.
They also offer:
- Windscreen Repair: The repair and replacement of windscreens are covered.
- Courtesy Car: the policyholder can use a courtesy car while their car is being repaired at an Admiral-approved repair shop.
- European Cover: You can enjoy a driving holiday in France without taking extra coverage for up to 90 days.
- Stereo Cover: An unlimited cover for standard sound systems.
- £5,000 Personal Injury Cover: You can get £5,000 of personal injury cover for you and your partner.
- Sat-Nav and Personal Belongings Cover: Admiral will pay up to £150 to help you replace the personal belongings or effects that are damaged or stolen when you leave them in the car.
- Bonus Match: Insure a second or third car with Admiral and get your No Claims Bonus.
