About Admiral

Admiral Home Insurance is a brand of the Admiral Group which was founded in Cardiff in 1993. 

Admiral Group includes the insurance brands Admiral, Bell, Diamond and elephant.co.uk. 

Admiral offers home insurance, travel insurance, pet insurance and van insurance. It has just over 6.5 million customers and employs over 11,000 people.

  • Admiral is owned by EUI Limited

  • All Admiral employees are shareholders in the company

What types of home insurance does Admiral offer?

Admiral offers the following types of home insurance:

  • Buildings insurance

  • Home contents insurance

  • Multi-cover insurance

Admiral home insurance policies include 3 levels of cover. These are standard, gold and platinum. 

Admiral also offers more specialised home contents insurance including landlord, tenant and host insurance - for anyone who rents out their home to paying guests.

What Admiral home insurance reviews say

With 7,779 consumer reviews, Trustpilot has given Admiral a rating of 3.8 out of 5. Independent financial products reviewer Defaqto has given Admiral’s gold and platinum home insurance a 5-star rating.  

Not all Defaqto 5-star rated products have the same covers and terms.

Admiral buildings insurance

Admiral buildings insurance will cover the cost of replacing or repairing walls, roof and ceilings, fitted kitchens, bathroom suites, windows, doors, built-in cupboards and wardrobes.

Admiral will cover your house against natural or manmade disasters including fire, water leaks, vandalism, malicious damage, lightning strikes, earthquakes, floods, frost damage and subsidence.

All Admiral buildings insurance includes the following cover as standard:

  • Alternative accommodation cover of up to £30,000 and replacement lock and key cover of up to £500

  • Property owners' liability cover of up to £1m and access to a 24-hour emergency helpline

  • Unlimited cover for plumbing installation as well as sit clearance and building fees

  • Cover for garages and outbuildings

Accidental damage cover is also available and is included as standard in some policies. 

This pays out to cover the cost of making good breakage of fixed glass in windows and doors; damage to fitted sinks, toilets and showers; and damage to ceramic hobs in fitted kitchens.

Admiral’s gold level cover is an elevated level of cover and includes increased alternative accommodation up to £75,000 as well as £750 towards replacement locks and keys up to £750. 

Property owners' liability cover is £2 million, and there is up to £5,000 cover to cover the cost of tracing and accessing a water leak. Gold cover also includes cover during the sale of your home.

This includes alternative accommodation cover of up to £100,000 as well as replacement locks and key cover of up to £1,000.

The cost of tracing and accessing a water leak is also covered up to an increased level of £10,000. 

Admiral’s buildings insurance platinum cover also includes matching set and pair cover. This means if you damage a piece of furniture or a kitchen or bedroom cupboard or drawer and a matching item can’t be found, Admiral will replace the whole set.

Admiral home contents insurance

Admiral contents insurance includes as standard up to £50,000 towards replacing or repairing the contents of your home such as furniture, carpets, curtains, pictures and ornaments.

It also includes:

  • New for old replacement – Admiral will replace your old possessions with brand new ones of a similar make and model

  • The cost of replacement locks and keys 

  • Loss of metered water or oil

  • The cost of replacing freezer food

Admiral’s gold home contents cover includes up to £75,000 towards replacing or repairing the contents of your home.

It also includes:

  • Theft from outbuildings

  • Accidental damage of audio and visual equipment in your home

  • Garden plants and contents

  • Boiler emergency cover

  • Home office equipment

  • Digital information

  • Visitors’ belongings

Admiral’s home contents platinum cover increases the total amount insured to £150,000. It also includes:

  • Family Legal Protection

  • Contents at college or university

  • Contents in a nursing home

  • Personal possessions cover

  • Matching sets cover

What else can I add to my Admiral home insurance policy?

These are automatically included with Admiral home insurance platinum cover but can be added to standard cover separately.

This includes up to £100,000 in legal costs to cover claims such as property and employment disputes, along with personal injury claims. 

There must be reasonable prospects of success, meaning your claim must have 51% or more chance of success. 

You'll get a dedicated advice line and a team of solicitors if you need to make a claim. 

Home emergency cover 

This gives you access to 24-hour emergency call-outs if you suffer an emergency that results in total failure.

You'll get up to £500 for call-out charges, parts and labour for temporary repairs for things like plumbing, roofing, hot water, central heating systems and pest infestation. 

Boiler emergency cover

This gives you access to a 24-hour emergency call out service. You'll get up to £500 for call out charges, parts and labour for temporary repairs for things like central heating and hot water emergencies.

Accidental damage cover for buildings and/or contents 

This includes cover for accidental damage to personal belongings, fixtures and fittings at home.

Admiral combined buildings and home contents insurance

Admiral offers to combine standard, gold or platinum levels of contents and buildings insurance for a discounted rate.

Admiral MultiCover insurance

Admiral offers a form of multi-cover insurance which allows you to combine home insurance – both buildings and contents with a car insurance policy.

Admiral MultiCover's designed to cover your car, van and home on one discounted policy.

What is Admiral home insurance good for? 

Admiral offers a discount to customers who take out buildings and contents insurance  

Admiral does also offer home insurance for more specialised properties, such as listed buildings or properties with a thatched roof.

Admiral’s MultiCover insurance allows you to insure your car and home on the same policy, so saving on paperwork and on having to keep tabs on different insurance policy renewal dates.

How to contact Admiral

You can find out more about Admiral's home insurance at https://www.admiral.com/.


27 November 2020