What Does Admiral Comprehensive Cover Include?

Car Insurance Guides
June 20th, 2025
What Does Admiral Comprehensive Cover Include?

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Admiral’s comprehensive car insurance gives you some of the best cover you can find in the UK. This car insurance policy is a good choice for anyone who wants to feel safe on the road. In this guide, you will find out what is and is not in an Admiral comprehensive car insurance policy. We will also show you how this comprehensive policy compares to others out there. Plus, you will get tips to help you choose the right cover for you.

What is Admiral Comprehensive Cover?

What does Admiral comprehensive car insurance cover?

Admiral’s comprehensive policy gives you many types of protection. You get cover for your car if something happens to it. The policy also pays for damage you cause to other people or their cars. It includes windscreen cover too. There is also help if there is a personal injury. A comprehensive policy gives more cover than a third party or third party, fire and theft plan. This can be a good plan for people who drive a lot or want full protection.

What’s Included in Admiral’s Comprehensive Policy?

Feature Included? Notes
Damage to own vehicle Yes Even if you’re at fault
Third party cover Yes Meets legal requirements for UK roads
Windscreen repair Yes Repairs and replacements through approved suppliers
Breakdown cover Optional add-on UK and European options available
Personal belongings Yes (up to £200) Covers theft or damage in locked vehicles
Courtesy car Yes While your car is repaired by an approved garage
Personal injury cover Yes (up to £5,000) Includes named driver and passengers
Legal protection Optional Can cover legal costs after an accident
Travel insurance No Separate product
No claims bonus protection Optional Safeguard your discount in the event of a claim
Uninsured driver promise Yes If you’re hit by an uninsured driver, your excess is refunded
European cover Yes (up to 90 days) Required if travelling to EU countries

What Are Admiral’s Different Policy Tiers?

Admiral offers several product tiers:

  • Essential Tier: This is the basic plan. It gives you comprehensive cover.
  • Gold Tier: You get everything from the Essential Tier. This plan also includes more personal belongings cover and protection for your stereo.
  • Platinum Tier: With this option, you get all the features from the Gold Tier. You also get legal protection and breakdown cover added in.

You can change each level to match what you need and what you want to spend.

How Does Admiral Compare to Other Insurance Providers?

When you look at car insurance companies, Admiral is often at the top. The company is known for its good customer service. There are many types of cover that you can choose from. A lot of people feel they get value for the money they spend. Admiral has also done well in personal finance awards. Many surveys show customers feel good about it.

Provider Comprehensive Cover Highlights
Admiral Multiple tiers, optional extras, strong customer service
Direct Line Includes breakdown cover in standard plan
Aviva No admin fees, uninsured driver promise
Churchill Offers multi-car discounts and digital policy management

It is good to always compare car insurance features and not just look at the price.

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Are There Any Hidden Exclusions?

Like most policies that you see, Admiral comprehensive cover leaves out some things. These things are known as exclusions.

  • Wear and tear
  • Mechanical failure
  • Theft if the car was left unlocked or if the keys were inside
  • Driving when you have had alcohol or drugs

Always take time to read every part of your insurance policy from the beginning to the end.

Optional Add-Ons Available

  • Breakdown cover (for UK or Europe)
    This type of cover helps you when your car has a problem. If it will not start or stops working, you can use breakdown cover. You can get help with this in the UK or in Europe.
  • Legal protection (for taking or stopping legal action)
    Legal protection helps you with money and support if you need to go to court. You can also use it if you have to defend yourself from someone else.
  • Key cover (lost or stolen keys)
    Key cover pays for new keys if yours go missing or someone takes them from you.
  • Excess protection (pays back your excess after a claim)
    This type of cover gives you back the money you pay when you make a claim for the insurance.
  • Courtesy car upgrade (to the same size or a better car)
    You get a replacement car with this cover. The car will be the same size as yours or even better, while your car is being worked on.

These things can make you pay more for car insurance. But they may also help you feel better or feel more at ease.

How to Claim with Admiral

  1. You can use the Admiral app or call their helpline at any time of the day.
  2. You will need to have your certificate of motor insurance for them.
  3. After that, send photos or share the details of the car accident.
  4. Admiral will arrange car repair or find a replacement for you with trusted garages.

You can track your claims on the website or through the app. This will make things easy for you.

Does Admiral Offer MultiCover Policies?

Yes. Admiral’s MultiCover policy lets you put your car insurance, home insurance, and landlord insurance together in one plan. When you do this, you have only one renewal date to think about. This can save you time and help you keep more of your money.

Does Admiral Offer MultiCover Policies

Correct as of 12 June 2025

FAQs About Admiral Comprehensive Cover

Does Admiral comprehensive cover include windscreen repair?

Yes, Admiral gives windscreen cover for repairs and full replacements. To use this, you have to go to their approved repairers. This cover is in their regular comprehensive plans.

Are personal belongings covered?

Yes, you can get up to £200 if your own things are stolen from, or get damaged in, a locked car.

Can I add family members to the policy?

Yes, you can add named drivers to your policy. The cost you pay will change depending on their driving experience, if they have made claims before, and how old they are.

Does Admiral include breakdown cover?

If you choose it as an add-on, you will get support. Admiral lets you pick UK-only breakdown help or coverage for all of Europe.

Is there cover for malicious damage?

Yes, Admiral offers a comprehensive policy that covers your car for any malicious damage. It is important that you report the damage when it happens. The damage must not be from your own carelessness. If you follow this, your car will be protected by the comprehensive policy.

Does Admiral comprehensive cover include third party fire and theft?

Admiral’s comprehensive cover gives you more than just third party fire and theft. With this plan, your own car is covered. It also helps you out if there is any accidental damage to your car. The policy will support you if an uninsured driver is involved in the accident. A third party fire and theft (TPFT) policy will not give you the same level of coverage as comprehensive cover.

What level of cover do I get with Admiral’s Essential Tier?

The Essential Tier is a type of car insurance that gives you a basic level of cover. It helps protect your own car if there is damage. It also covers third party claims. You get windscreen cover with this plan as well. While it does not have as many extra features as the Gold or Platinum options, the Essential Tier still takes care of what you need most in car insurance.

Can I use Admiral comprehensive insurance on an older car?

Yes, Admiral comprehensive insurance can be for older cars too. The coverage you get depends on the age of the car, its condition, and what the car is worth. It is important that you read your quote and the policy details carefully.

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