Compare Admiral Home Insurance Quotes Against The Market

Founded in Cardiff, Wales in 1993, Admiral Insurance began life in the UK in the motor insurance market. They were among the first UK insurers online and notably launched Confused.com, the UK’s first major price comparison site, in 2002.

Today, Admiral is a significant international financial services provider. They began offering Home Insurance in 2012 as well as their MultiCover, which combines various insurance products into one policy. While they are a competitive insurance provider, it’s always best to compare insurance policies with other providers to ensure you find the best match.

You get independent advice and a personalised quotes comparison of Admiral’s home insurance deals from one of our expert advisers below:

What type of home insurance do they provide?

Admiral offers the following types of home insurance cover:

Buildings insurance

This covers the structure of the property, including walls, roof, windows, floors, but not always permanent fixtures like boilers and electrics, which will depend on the level of cover taken. This is usually a separate add-on known as home emergency cover. Admiral provides up to 60 days cover for unoccupied buildings, but may be restricted after this point. You must inform them if your property will be empty for longer than this.

Contents insurance

This covers items inside your home, including furniture, appliances, electronics, and personal belongings. Whether you are covered for just theft, or both theft and accidental damage will depend on your policy. Admiral generally provides new for old on contents claims, but be sure to study the policy wording for any exceptions.

Combined home & content cover

Most of Admiral’s policies are combined home and contents insurance, which provide different levels of cover depending on their tier. They offer 3 tiers of combined home insurance policy; Admiral, Admiral Gold, and Admiral Platinum. Each provides a different level of coverage as shown below:

1. Admiral home insurance: An entry level policy for the essential cover required from home insurance. This tier offers unlimited buildings cover, up to £75,000 of contents cover and celebration cover as standard (up to £3000 of additional cover during a holiday season)

2. Admiral Gold home insurance: Gold offers unlimited buildings cover, up to £100,000 of contents cover and additional add-ons as standard, including Home emergency cover (boiler, plumbing and electrics), cover for theft from outbuildings, cover for items temporarily away from home up to £5000 and celebration cover of up to £5000

3. Admiral Platinum home insurance: The most comprehensive protection available, this offers unlimited buildings cover, up to £150,000 of contents cover, Accidental damage on both building and contents, Family legal protection, Home emergency cover, items temporarily away from home cover of £10,000, personal possessions away from home cover of up to £2000 and celebration cover of up to £10,000

Admiral also offers specialist home insurance for protecting non-traditional properties, such as listed buildings and non-standard construction homes, but these tend to cost more than standard policies.

How Admiral calculates premiums

How much your home insurance premiums cost per month with Admiral depends on which tier of cover you take and the level of excess you choose to pay when making a claim. They will also consider the following factors when calculating your policy:

• Property type and location: If you have a non-standard property or one in a high-risk area, whether that’s due to high crime or potential for subsidence or flooding, your premiums are likely to cost more

• Age of the property: Older properties can be more expensive to insure as they are more likely to encounter issues than newly built ones

• Other factors: Admiral may also charge more if you have a history of making frequent home insurance claims

Pros and cons

Here are the pros and cons for each tier of home insurance offered by Admiral:

Admiral home insurance

Admiral Gold home insurance

Admiral Platinum Home Insurance

Customer reviews

Admiral home insurance generally receives good reviews and high ratings across several review platforms, although customer experiences with claims can be mixed.

Here is a summary of the reviews and ratings at the time we wrote this article:

• Trustpilot: Admiral is rated as Excellent, with one source citing a 4.8 out of 5-star rating based on over 131,640 customer reviews.

• Smart Money People: Customers have rated Admiral Home Insurance 4.80 out of 5 stars based on over 11,700 reviews.

• Confused.com: Admiral scores a 4.5 out of 5 rating based on customer feedback.

How to get an Admiral home insurance quote

The best way to apply for Admiral’s home insurance products is through an independent broker. They will compare what they would offer you with every alternative so you can find out for certain whether Admiral is the right insurer for you.

Approaching an insurer directly is not recommended as this would mean restricting yourself to just one range of products. Consulting with an insurance broker first would give you an overview of the entire market, so you can be 100% sure you’re getting the right cover.

What’s more, independent insurance advisers often have access to exclusive deals from providers like Admiral, so it’s always in your interest to seek their guidance.

At Money Helpdesk, our home insurance experts always kick things off with a free, no-obligation chat, so it costs nothing upfront to talk to them about Admiral’s product range.

Although we have found that Admiral’s home insurance deals are generally competitive with the rest of the market, we will only place a client with them if they are the ideal provider for their needs and circumstances, having compared every alternative.

If you are wondering whether Admiral is the right choice for your home insurance, get in touch and we will review this for you and present you with all of your options.