Admiral Car Insurance: Your Coverage Options

Admiral offers three main types of car insurance:

• Full coverage
• Third-party, fire, and theft coverage
• Only third-party coverage

Let's check each choice. This will help you see which one is right for you.

Comprehensive Cover

Comprehensive car insurance offers you the best protection. It covers damage to your own car and any damage you might cause to other cars or property. It also covers theft, fire damage, and personal injury.

Benefits of comprehensive cover include:

• You get protection for your car in accidents, regardless of fault.
• There is coverage for damage done to other vehicles and property.
• You are covered against theft and fire damage.
• Personal injury coverage is included for you and your passengers.
• It often comes with extras like windscreen repair and a courtesy car.

Third-Party, Fire and Theft

This policy protects you from damage to other people's cars or property. It also covers your car if it gets stolen or if there is a fire. However, it does not cover damage to your own car if you cause an accident.

• Third-party, fire and theft insurance covers you against theft.
• It provides protection for your vehicle in case of a fire.
• You will also have coverage for damage to other people’s property.
• This type of insurance is usually cheaper than comprehensive insurance.
• It is a good option for older cars.
• Make sure to read the details of the policy carefully.
• Covers damage you do to other cars or property
• Protects you if your car gets stolen or is damaged by fire
• Usually costs less than comprehensive coverage
• A good choice for older cars or if you want to balance protection and cost

Third-Party Only

This is the basic level of cover needed by law in the UK. It only pays for damage you cause to other people's cars or property.

Third-party only insurance offers:

• The least coverage needed to drive legally in the UK
• Protection against claims from other people for injury or damage to property
• Typically the lowest price insurance option
• Ideal for cars with lower value or for very skilled drivers

Get Quotes

Admiral provides telematics car insurance. This type of insurance uses technology to watch how you drive. Based on this information, it changes your premiums.

Telematics Insurance

Driving Monitoring

Lower Premiums

Safer Driving

Young Driver Benefits

Here's how it works:

• A small device goes in your car, or you can use an app on your smartphone.
• It tracks details about your driving, like your speed and when you brake.
• This information helps give you a driving score.
• If you drive well, you may get lower insurance rates when you renew.

This is very good for new drivers. It lets them show they can drive safely. Not only that, it may help lower high insurance costs.

If you need to make a claim, here's what to do:

• Reach out to Admiral's claims team as soon as you can after the event.
• Provide them with all the details about what occurred, including photos if you have them.
• Admiral will review your claim and guide you on the next steps.
• If they approve your claim, Admiral will set up repairs or give you compensation.
• You might have to pay an excess fee, as explained in your policy.

Many customers say Admiral deals with claims fast. However, experiences can be different based on how tricky the claim is.