Admiral home insurance
Learn more about Admiral home insurance
Last reviewed 27 March 2023
Who is Admiral?
Admiral is a financial services group based in Cardiff and one of the major blue-chip companies listed on London’s stock exchange.
Established as a car insurance provider in 1993, Admiral became the first to offer MultiCar insurance in 2005. It now provides a wide range of products including home insurance, launched in 2012, and travel insurance, launched in 2017. More recently, they have branched out to offer personal loans, car finance and pet insurance.
Admiral has enjoyed rapid growth over the years and now employs over 10,000 people – when it was launched in 1993 it had just 57 staff.
Admiral won the Moneyfacts award for Commended Home Insurance Provider 2023 and Best Big Insurance Company 2022 at the Insurance Choice Awards.
As well as contents and buildings insurance, Admiral’s home insurance team offers landlord, tenants and flood insurance together with a range of optional home cover. Admiral’s MultiCover insurance product bundles cover for your cars and home, potentially saving you money.
Admiral home insurance policy details
You can choose from 3 levels of cover for your home: Admiral cover, Gold cover and Platinum cover. Admiral cover is the lowest level of cover available covering the essentials. Gold cover is the mid-level cover option including features such as increased contents cover, trace and access cover and boiler emergency cover. Platinum cover is the most comprehensive level of cover they offer, including all features offered in Gold cover with the added benefits of family legal protection and accidental damage cover (buildings and contents) included as standard.
With all Admiral home insurance policies, you can choose from buildings insurance or contents insurance. Buildings insurance covers you against damage and loss to your building, including outbuildings, exterior and interior walls, roofs and flooring. Contents insurance protects you against loss, damage or theft of your belongings. You can also choose combined buildings and contents insurance.
The amount of cover you receive will depend upon the type of policy you choose.
All Admiral home insurance policies come with certain features:
- Unlimited buildings cover, so if your home needs to be completely rebuilt due to a devastating event like fire you’re fully covered
- Contents cover to protect your belongings against events like fire, flood or theft
- A 24-hour emergency helpline is available to all Admiral home insurance customers
- Bicycle cover as standard, insuring your bicycle in and away from your home provided you keep it securely locked
- Personal Items cover protects items worth up to £1,000 each – this includes things like your mobile phone or laptop
- Locks & Keys Cover. You get up to £500 of cover to replace external locks and keys, in the event your keys are lost or stolen.
- Underground services cover accidental damage to underground drains, pipes, cables and tanks.
Admiral optional extras
There are a range of extras that you can add to your insurance policy for a cost. Some of these may be included as standard if you choose a Gold or Platinum policy. However, they can be worth considering if they aren’t already included in your cover:
- Family legal protection
- Accidental damage
- Home emergency cover
- Personal possessions cover
- High value items cover
- Bicycle cover
Family Legal Protection gives you up to £100,000 legal costs cover for property or employment disputes and personal injury claims where there’s a reasonable chance your claim will succeed.
Accident damage cover, meaning you’re even covered for items damaged or destroyed in those little accidents around your home. Accident damage cover is available for both Buildings and Contents.
Home emergency cover will provide up to £500 to cover the cost of calling out a tradesperson to sort out home emergencies for incidents involving plumbing, electrics and roof damage. Home emergency will also cover you against pest infestations.
Personal possessions cover will insure your belongings even when taken outside of the home.
High value items cover protects your belongings that are worth over £1,000.
Bicycle cover offers additional protection for any bikes worth more than the cover limit of £350.
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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’23). 51% of home insurance customers could save £174.41 on a combined policy.
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