Key policy features of Admiral home insurance
- Three levels of cover: Standard, Gold and Platinum
- Unlimited buildings cover and up to £150,000 contents cover on its Platinum policy
- Home emergency cover included as standard on its Platinum policy
Get a quote from Admiral for your home insurance.
Read on to learn more about:
- Summary of Admiral insurance
- Overview of Admiral home insurance
- Are there any exclusions with Admiral home insurance?
- How much does home insurance from Admiral cost?
- Are any discounts available for Admiral home insurance?
- Customer reviews of Admiral home insurance
- Expert reviews of Admiral home insurance
- How to make a claim on Admiral home insurance
Admiral is a UK-based insurance company that was founded in 1993.
The company provides Car Insurance, Home Insurance, pet insurance, travel insurance and more.
- Platinum - Admiral's most comprehensive and most expensive cover level provides unlimited buildings cover, up to £150,000 contents cover, home emergency cover (including cover for your boiler), family legal protection, accidental damage cover on both buildings and contents, up to £2,000 personal possessions cover, bicycle cover of £350 (with optional cover available for bike worth more than £350), and up to £10,000 trace and access cover to detect and repair the source of a water leak.
- Gold - Admiral's middle policy provides unlimited buildings cover, up to £75,000 contents cover, boiler emergency cover, bicycle cover of £350 (with optional cover available on bikes worth more than £350) and up to £5,000 trace and access cover. Optional extras include Family Legal Protection, Accidental Damage, Personal Possessions and House Emergency Cover.
- Standard - Admiral's Standard cover is its cheapest, but also its least comprehensive cover level. It provides unlimited buildings cover, up to £50,000 contents cover, and £350 bicycle cover. Optional extras include Family Legal Protection, Accidental Damage, Personal Possessions and House Emergency Cover.
Admiral also offers a number of optional extras that can be added on to a policy. Bear in mind that Platinum offers many of these extras as standard. These include:
- Home emergency cover for plumbing, gas, electricity, central heating or hot water failure, pest infestation, damaged windows, doors and locks or roof damage as a result of a storm. You’ll get up to £500 for call-out charges, parts and labour for temporary repairs. You can make a claim seven days after your cover starts. Learn more about this cover in our article on how to get one of the best home emergency policies.
- Family legal protection of up to £100,000 to cover property disputes and personal injury claims, as well as expert legal help for your case.
- Accidental damage that can cover you for things like accidentally knocking your television off its stand or spilling something over your laptop. It can also cover you for things like your key snapping in your lock or if a football accidentally breaks your window.
High value item cover can cover items worth more than £1,000. It can be added to the Standard policy for cover up to £10,000 (£5,000 per item limit), Gold for up to £15,000 worth of cover (£7,500 per item limit), or Platinum for up to £30,000 (£15,000 per item limit).If these cover levels sound good to you, get a quote from Admiral.
As with any home insurance policy, there will be some exclusions to your policy.
For instance, unless you have told Admiral that you use your home for business use, you will not be covered for any legal liability or claim linked to a business, trade or profession.
Its home insurance policy also won't pay out for items if they have gradually deteriorated or are damaged due to normal wear and tear.
It's important to read your policy documents thoroughly so you know exactly what is excluded from your policy, and if you're not sure about something, contact the company and ask.
Here’s what you could pay for your home insurance with Admiral
- Home Combined - you could pay as little as £113 if you insure your home. (Based on 10% of Admiral tier Instaquote building, and contents combined customers between Jan and Jun 2021 paid from £113)
- Buildings - you could pay as little as £103 (Based on 10% of 856 Admiral tier Instaquote customers between Jan and Jun 2021 paid from £103)
- Content - you could pay as little as £54 (Based on 10% of Admiral tier Instaquote customers between Jan and Jun 2021 paid from £54)
Please note that a number of factors can change the price of your premium, including the type of building, what the building is made of, how old the building is, where it is located, and what security systems are in place. Moreover, if you choose to insure your contents as well, the value of your contents will affect the price of your premium.
Find out more about the factors that influence the cost of home insurance in our article on the cost of house insurance.
You don't have to cancel any existing policies; other cars or homes can join at a later date, after their renewal, and still get a discount.
You can even get the multicover discount if some of your family members live at different addresses.
Nearly 5,700 customers reviewed Admiral on Revoo between August 2020 and February 2021. 96% of respondents said they would buy again from Admiral.
And over on Trustpilot, the company as a whole has a rating of 3.8 out of 5 based on over 8,600 reviews.
If you would like to get in touch with Admiral, you can visit their contact page at https://www.admiral.com/contact-us
If you would like to speak to someone in their customer services team, you can give them a call on 0333 220 2000.
Lines are open 8 am to 6 pm Monday to Friday, 10 am to 4 pm on Saturdays, and closed on Sundays.
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.
Admiral suggests you have the following information to hand before making a claim:
- Your policy number
- Full address of the property covered
- Date and time of the incident
- Cause of the loss or damage
- Value of the claim
- Details of any person(s) responsible for the incident
- Any relevant documents, including photographs, to support your claim
- A crime or loss reference number, if applicable