Review: Admiral Car Insurance

David Woodfield By David Woodfield

Admiral is best known for its focus on multi-car insurance deals, providing cover for several cars on one policy for a discounted price. But it also offers regular car insurance for single cars, "black box" insurance under the brand name Little Box, and classic car cover. Admiral car insurance was voted Best Car Insurance provider at the Personal Finance Awards 2014-2015.

See whether Admiral made it into our list of the Top 10 Car Insurance companies in 2016.

Fun facts about Admiral

Admiral has had a social media win in 2016 by choosing the theme from Star Wars as its hold music. Twitter users have been particularly appreciative:

Overview of cover provided by Admiral car insurance

Launched in 1993, Admiral is a car insurance specialist that has since branched out to offer other insurance products, including home, van, travel, life and pet cover.

Admiral provides a wide range of car insurance products, including single car policies, multi-car policies, cover for classic cars, and "black box" insurance, known as LittleBox.

For single and multi-car policies, three levels of cover are available: third party only, third party fire and theft, and fully-comprehensive. Third party only covers damage done to other drivers and/or their vehicles, while third party fire and theft covers this, plus the cost of replacing or repairing your vehicle if it’s stolen or damaged in an act of arson.

The most benefits are available through a comprehensive policy, which offers personal injury cover, named driver no claims bonus, windscreen cover, personal belongings cover and European cover for up to 90 days. Most of these benefits can be added to third party and third party fire and theft policies for an added premium.

Motor legal protection is supplied as standard across all policies, unless you choose to opt out.

Admiral car insurance also offers a no claims bonus accelerator option, which allows drivers to earn a year’s worth of no claims discount after just 10 months of driving.

Admiral multi car insurance policies offer a number of further benefits, such as replicated no claims discount (the amount of NCD from one car can be applied to subsequent cars) and general savings as further cars are added to the policy. A single policy date is applicable to all cars under multi-car cover, making it easy to keep track of renewals.

For classic car cover, Admiral will insure vehicles that are older than 20 years and under 70 years, up to the value of £50,000. Classic car customers can enjoy a number of further benefits, including 90 days’ European cover and additional discounts for subsequent vehicles (classic or otherwise).

Finally, Admiral car insurance for young drivers, known as LittleBox, is Admiral’s "black box" policy. It offers benefits such as free theft-tracking, inclusive breakdown cover and no curfews, as well as the option to reduce insurance premiums by demonstrating safe driving, which is monitored by a black box recording device installed in drivers’ vehicles. However, to qualify for this kind of policy, the car must be worth at least £750 and be manufactured after 2002, and customers will have to drive at least 1,900 miles annually.

Interested? Get an instant Admiral single car insurance quote here, an Admiral multi car insurance quote here, or an Admiral black box car insurance quote here.

How much does an Admiral car insurance policy cost?

The cost of an Admiral car insurance policy will depend on many factors, including the make and model of your car, your age, address and so on. The type of policy you choose will also have an impact on cost. According to Admiral, a single car policy could cost as little as £168, but insuring several cars under a multi-car policy will offer better value than insuring them separately, while the cost of Admiral car insurance for young drivers LittleBox policy will depend greatly on your driving style – the better your driving, the cheaper the premium.

Compared to many car insurers, however, Admiral’s policies are rather basic, offering you the option to add extras – for a price – that come as standard elsewhere. As such, customers should not expect to pay too high a premium price for its insurance.

Get a tailored Admiral single car insurance quote here, a multi car insurance quote here, or a black box car insurance quote here.

What do Admiral customers say?

According to more than 400 Admiral car insurance reviews on money.co.uk, 62% of customers would recommend Admiral to others, and the company has earned 3.8 out of 5 stars. Over on reviewcentre.com, 63% of the 1,764 reviewers would recommend the company, giving them 3.4/5 for customer service and value for money. Smart Money People have 69 reviews of Admiral Car Insurance, rating it 4 out of 5 stars.

What do the expert admiral car insurance reviews say?

Admiral has been voted Best Car Insurance Provider two years running at the Personal Finance Awards (2013-2014 and 2014-2015). Independent financial products reviewer Defaqto has given its policies 3 stars, making it a “standard product providing an average level of features and benefits”. However, according to Which? the company scores 57% for both customer score and policy score, putting it 28th out of 29 reviewed car insurance providers.