Who is Admiral?
Admiral has grown rapidly since it was first established back in 1993. The Cardiff-based company had just 57 employees back then – these days it’s a major, London-listed financial services group with around 10,000 staff.
Admiral has been offering home insurance for nearly a decade now – it first began selling home cover in 2012. However, when Admiral started out in 1993 its business was all about car insurance. Admiral has continued to diversify over the years, branching out into travel insurance in 2017 and then more recently adding personal loans and car finance to its line-up.
Along with its core home insurance offering, Admiral also provides tenant, landlord and flood insurance.
Admiral has won some kudos over the years. For instance, it was voted Best Home Insurance Provider 2019 at the Insurance Choice Awards. Admiral also came first in the Moneyfacts Highly Commended Insurance Provider 2021 accolades.
Admiral Platinum home insurance policy details
The Platinum package is Admiral’s top level of home cover, designed for those who want extra protection and peace of mind. Admiral Platinum gives you both buildings and contents cover.
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. As Admiral’s premium home insurance product, Admiral Platinum also comes with some additional benefits included as standard.
Admiral offers a selection of home insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.
As well as unlimited buildings cover, up to £150,000 contents cover and access to a 24/7 helpline, you also get the following with Admiral Platinum:
- Bicycle cover
- Matching items cover
- Trace and access cover
- Alternative accommodation
- Property owners liability cover
- Contents at university
- Buildings accidental breakage and damage
- Garden plants
Bicycle cover entitles you to up to £350 worth of cover, you can add on additional cover if your bicycle is worth more.
Matching items cover means that if something is part of a set can’t be repaired/replaced then the whole set will be replaced (applies to bathroom suite, fitted kitchen or flooring).
Trace and access cover insures the cost of detecting and repairing the source of a water leak up to the value of £10,000.
Alternative accommodation cover allows you to get temporary accommodation if you’re home is not fit to be lived in due to loss or damage resulting from a buildings or contents insured risk.
Property owner’s liability will cover you for claims from third parties for injury or damage.
Contents at university cover includes loss or damage to your own or your family’s contents while you’re temporarily in student accommodation/full-time education anywhere in the world.
Buildings accidental breakage and accidental damage means that you’re covered for any accidental breakage of glass and sanitary fixtures and accidental damage to your buildings.
Garden plants are also covered. Any damage to trees, shrubs, plants and lawns while in the open on the land your home stands on.
Admiral Platinum optional extras
Admiral Platinum off plenty of optional extras available that you can add to your policy at an additional cost, including:
Accidental Damage cover can be increased on your Admiral Platinum home insurance policy. With it you're protected against the costs of repairing or replacing something that's been damaged or destroyed in an accident. Admiral’s Accidental Damage add on covers personal belongings, fixtures and fittings at home.
Family Legal Protection gives you up to £100,000 cover for legal fees for a range of issues such as property or employment disputes which affect you or your family, as long as your claim has a reasonable chance of success. You'll get a dedicated advice line and a team of solicitors if you need to make a claim.
House Emergency cover could pay out up to £500 for a tradesman to provide a temporary repair to plumbing and central heating, in any 24-hour emergency callout. Admiral’s House Emergency also includes cover for home security and pest infestation.
Boiler Emergency Cover covers 24-hour emergency callouts if you suffer an emergency that results in total failure. You'll get up to £500 for callout charges, parts and labour for temporary repairs, covering central heating and hot water emergencies. Two claims can be made per policy term.
Bicycle Cover protects bicycles worth over £350 – cover for bicycles under £350 is already included with Admiral Platinum home insurance.
Personal Possessions protects any belongings you carry with you, up to a value of £1,000 individually, while you can choose up to £20,000 worth of cover.
High Value Items cover lets you upgrade to protect valuable items worth over £1,000, whether at home or away.
Host Insurance gives you specialist cover to protect your home should it be damaged by paying guests. It can be handy if you’re renting out your property on home-sharing sites like Airbnb.