Admiral Home Insurance & Contact Details

Admiral has been selling home insurance since 2012 and has more than a million customers.

You can buy Admiral buildings and contents insurance separately, or take the option to combine them, and personalise your cover to suit your needs.

Admiral is regulated by the Financial Conduct Authority (FCA).

Key benefits:

✔ Three cover levels

✔ Flexible add-on options

✔ 24-hour helpline as standard

✔Unlimited buildings cover as standard

Home emergency cover

Home emergency cover covers the cost of calling out a tradesperson due to a sudden incident.
Accidental damage

Accidental damage covers you for incidents that cause unexpected damage to your property or possessions.
Personal possessions

Personal possessions insurance covers items which you wear or use when you are outside your home.
Admiral provides cover up to £20,000.
Family legal protection

Legal protection covers the costs of advice and representation related to property ownership, such as boundary disputes.
Admiral covers up to £100,000 in legal costs, with no excess to pay.
High-risk items

High-risk items cover provides protection for items such as laptops and jewellery if they are worth more than £2,000.
These must be specified on your Admiral home insurance policy.
Bicycle cover

If you buy Admiral contents insurance then all bikes worth up to £350 are covered inside and away from the home.
If your bike is worth more than £350 you’ll need to specify it.

	Admiral	Admiral Gold	Admiral Platinum
Unlimited buildings cover	✔	✔	✔
24-hour helpline	✔	✔	✔
Bicycle cover	£350	£350	£350
Contents cover	£75K	£100K	£150K
Alternative accommodation (Contents)	£15K	£20K	£25K
Alternative accommodation (Buildings)	£50K	£75K	£100K
Trace and access	£5K	£5K	£10K
Personal Possessions cover	Optional	Optional	£2K
Accidental Damage (Contents and Buildings)	Optional	Optional	✔
Home Emergency cover	Optional	✔	✔
Home Emergency Extra cover	Optional	Optional	✔
Family Legal Protection	Optional	Optional	✔

Admiral

Annual price

£429.34
Cover

Buildings and Contents
Excess

Buildings £600 Contents £600

Go to site

Great for

Alternative accommodation: comes as standard
Unlimited buildings cover: comes as standard
Home emergency: comes as standard

But be aware that

Audio visual accidental damage: optional with Admiral Cover
Pest infestation: optional with Home Emergency Extra Cover

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

I'm coming up for renewal

You can tell Admiral at any point up until your renewal date that you do not wish to renew your policy.

There is no charge for not renewing.

I've just taken out a policy

If you cancel your Admiral home insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.

Admiral will charge you a £25 admin fee, which will be taken out of your refund.

If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.

Admiral will charge you a £39.50 admin fee, which will be taken out of your refund.

My policy has auto-renewed

If you cancel your Admiral home insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.

Admiral will charge you a £25 admin fee, which will be taken out of your refund.

If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.

Admiral will charge you a £39.50 admin fee, which will be taken out of your refund.

Ready to switch insurer?

Online portal
You can use the MyAccount portal to:
- Make changes to your policy
- View policy documents
- Change payment details
By phone

The customer service number is: 0333 220 2003
Opening hours: Mon-Fri: 8am-7pm, Sat: 9am-3pm, Sun: 9.30am-4pm
The renewals line is: 0333 220 2016
Opening hours: Mon-Fri: 8am-7pm, Sat: 9am-3pm, Sun: 10am-4pm
The claims line is: 0333 220 2035
Opening hours: Mon-Fri: 8am-6pm, Sat: 9am-4pm, Sun: Closed
By post

The postal address is:
Admiral Group
Ty Admiral
David Street
Cardiff
CF10 2EA

Who underwrites Admiral Insurance?

Admiral home insurance is underwritten by Admiral Insurance (Gibraltar) Limited (AIGL).

AIGL is authorised by the Prudential Regulation Authority. It is regulated by the Financial Conduct Authority (FCA) and by the Prudential Regulation Authority. The firm reference number is 220858. You can check these details at www.fca.org.uk/register.

Can I pay Admiral home insurance in monthly instalments?

Yes, you can pay for your home insurance policy in monthly instalments if you’re eligible.

However, this will be more expensive than an annual one-off payment as the insurer is lending you the cost of the policy, so it will charge interest, and you will be subject to a credit check.

If you miss a monthly payment your cover could be voided.

➡️ Find out more about paying your home insurance annually versus monthly.

What do Defaqto star ratings mean?

Defaqto star ratings provide an unbiased expert assessment of a product's quality.

The ratings are:

One star: A basic product offering only a few features and benefits.
Two stars: A product offering fewer than average features and benefits.
Three stars: A standard product providing an average level of features and benefits.
Four starts: A product with a good level of features and benefits.
Five stars: An excellent product with a comprehensive range of features and benefits.

Does Admiral home insurance cover subsidence?

Loss or damage caused by subsidence is covered under Admiral’s buildings and contents insurance, but with some exclusions. These include:

Loss or damage caused by subsidence, heave or landslip resulting from storm or flood
Loss or damage caused by subsidence, heave or landslip resulting from the water leak (escape of water)
Loss or damage caused by: The weight of the buildings compressing and moving the ground, within 10 years of them being built (this is known as settlement); shrinkage or expansion; coastal or river erosion; demolition or structural changes or repairs to your home

You should check your Admiral home policy schedule for details. Your policy schedule will also explain the amount of excess you would need to pay for a subsidence claim.

Does Admiral cover home emergency and boiler breakdowns?

Yes, Admiral provides home emergency cover, including boiler breakdowns, but you’ll need to pay extra to add this to your policy if you have Admiral standard home insurance.

If you have Admiral Gold or Admiral Platinum cover home emergency extra cover is included.

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