Admiral in 60 seconds
Admiral UK at a glance (2026)
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About Admiral
Admiral was founded in 1993 in Cardiff by American expat Henry Engelhardt, with backing from Brockbank Group and Lloyd's of London. Engelhardt grew the business by targeting young, urban drivers who were poorly served by the high-street insurers. Today Admiral employs more than 13,000 people, of whom around 9,000 are in Wales, making it one of Wales' largest private employers.
Admiral is the UK's number-one motor insurer by number of policies, with around 5 million UK car policies in force at the end of 2024. The wider group also operates in Spain (Admiral Seguros), France (L'olivier), Italy (ConTe), Canada (Compu-Quote) and the United States (Elephant Auto Insurance).
Why Admiral?Engelhardt picked the name Admiral because it scored well in consumer research for trust and authority, and because the nautical theme suited the sister brands Elephant, Diamond and Bell that came later.
Ownership and stock listing
Admiral Group plc has been listed on the London Stock Exchange since September 2004 and entered the FTSE 100 in 2008. The ticker is ADM. Admiral runs an unusual employee share scheme: every member of staff with at least one year's service is given free shares in the company, which has produced multiple multi-millionaires among long-serving Welsh employees.
Strategy: Multicover and a multi-product bundle
Since CEO Milena Mondini de Focatiis took over in 2021, Admiral has accelerated its push beyond car insurance. The flagship is Multicover, the only major UK product that bundles motor, home, pet and travel into a single annual policy with one renewal date and one customer-service team. Admiral also operates a fast-growing UK personal-loan and credit-card book under Admiral Money.
In 2024 Admiral Group reported a profit before tax of £839m, up 90% year on year, and resumed a special dividend of 65p per share. UK Insurance turnover grew 33% to £3.6bn, driven by motor premium hikes that ran ahead of claims inflation.
Admiral insurance: cover and prices in 2026
Admiral underwrites most of its UK personal lines directly through Admiral Insurance Company Ltd (Gibraltar) and Admiral Insurance (Gibraltar) Ltd, regulated by the GFSC and the FCA. The headline product range is below.
The Admiral product range
Admiral Multicover
A single policy bundling motor, home, pet and travel. One renewal date and one customer-service team. Discounts of up to 25% on the bundled premiums vs separate policies.
- Up to 25% off when bundled.
- One renewal date, one bill.
- One customer-service team.
Admiral Car Insurance
Comprehensive, third-party fire and theft or third-party only. Multi-car (multi-vehicle) discount runs from 2 up to 7 cars on the same policy. Telematics option Admiral LittleBox.
- Multi-car discount up to 7 vehicles.
- New car replacement in the first year.
- Guaranteed courtesy car on Gold and Platinum.
Admiral Home Insurance
Buildings, contents or combined. Three tiers (Admiral, Admiral Gold, Admiral Platinum). Platinum adds accidental damage and home emergency cover for boilers and plumbing.
- Up to £1m buildings cover.
- Up to £100,000 contents on Platinum.
- Multi-cover discount when combined.
Admiral Pet Insurance
Lifetime, Time Limited and Accident Only. Lifetime policies refresh the vet-fee limit at each renewal so chronic conditions remain covered.
- Vet-fee limits up to £10,000 a year.
- Cover for cats and dogs from 8 weeks.
- Multi-pet discount of 12%.
Admiral Travel Insurance
Single trip up to 90 days or annual multi-trip with trips of up to 31 days. Optional winter sports, cruise and gadget add-ons.
- £10m emergency medical cover.
- 24/7 worldwide assistance.
- Pre-existing conditions cover available.
Admiral Van & Bike
Private and commercial van insurance and dedicated motorbike cover. Telematics options available; van cover includes courtesy van on most policies.
- Optional tools-in-transit cover.
- Courtesy van included on Gold.
- European cover up to 90 days.
Admiral MulticoverMulticover is unique in the UK market. Bundling car, home, pet and travel in a single policy can cut the total bill by up to 25% versus the same cover bought separately, and gives you one renewal date instead of four.
Making a claim with Admiral
Admiral accepts claims through the Admiral app, the website or by phone. Motor and home claims are handled in-house by teams based in Cardiff and Swansea. Admiral publishes claims-acceptance data: in the last reported year it accepted 96% of home claims and 97% of motor claims.
For step-by-step instructions, premium ranges and customer reviews, see our dedicated guide on Admiral travel insurance and the wider list of UK insurers.
Admiral app and online account
Every Admiral customer can manage every policy from a single Admiral Account on the web or in the iOS and Android app. From the app you can view documents, change cover, add a driver, renew, claim and chat live with a UK-based adviser.
- Sign in: by email and password. Face ID, Touch ID and Android fingerprint are supported.
- Forgotten email: recoverable by entering your policy number, postcode and date of birth.
- Forgotten password: reset by entering your email; Admiral sends a reset link within minutes.
- Two-factor authentication: optional, via SMS or authenticator app.
Admiral LittleBoxAdmiral LittleBox is the brand's telematics device for new and young drivers. Drive safely for 50 hours and you can earn an instant cashback bonus, plus a discount at first renewal.
Admiral customer service
Admiral runs separate teams for sales, existing policies and each type of claim. Phone numbers, opening hours and the right line for each query change from time to time and differ by product, so the safest source is always your own paperwork or the Admiral website rather than a number copied from a third-party page.
How to contact Admiral
- Find the right number: use the phone number printed on your policy documents, policy schedule or renewal letter, where the correct line for your product is listed.
- Manage most things online: log in to your Admiral Account on the website or in the app to view documents, change cover, renew, claim and message a UK-based adviser.
- Official website: contact details for sales, claims and complaints are published on Admiral's own site at admiral.com.
- Travelling abroad: the 24/7 emergency assistance number for medical and repatriation help is printed on your travel policy documents; save it before you fly.
Contact Admiral online
- Admiral Account: log in to the app or website for secure messaging and most policy changes.
- Live chat: available from the Admiral help pages during UK business hours.
- X (Twitter): send a DM to @admiraluk for general queries (never share policy or payment details).
- Email: [email protected] for general queries; sensitive issues should go through your Admiral Account.
Writing to Admiral
For policy correspondence and complaints, write to the address printed on your policy schedule, which routes your letter to the correct team. The current registered and correspondence addresses are published on Admiral's own website at admiral.com.
How to complain about Admiral
Raise the issue first with Admiral by phone, in your Admiral Account or in writing. If Admiral does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.
Is Admiral a good insurer? Reviews and ratings
Admiral consistently ranks at the cheaper end of the UK motor market on aggregators, with a price tag that is often 10–15% lower than the high-street average for young drivers. On Trustpilot, Admiral sits at around 4.5/5 from more than 250,000 reviews, ahead of Aviva, Direct Line and Churchill on customer-rated experience. The 2025 Fairer Finance ratings give Admiral motor four stars for transparency and complaint handling.
The most common criticism in reviews is renewal pricing: like every UK insurer, Admiral often raises prices at renewal even where the FCA's General Insurance Pricing Practices rules apply. The Multicover bundle and the multi-car discount are the main ways to keep the total bill down year on year.
If price is your priority, run an Admiral quote alongside our list of the best UK insurance providers before you renew.
Admiral news 2024–2026
- March 2024: Admiral Group reports a record profit before tax of £839m, up 90% year on year, and resumes a special dividend.
- November 2024: Admiral launches an EV-specific motor policy with included home charger insurance and zero-emission breakdown cover.
- June 2025: Multicover passes 1 million UK policies three years after launch.
- 2026: Admiral adds AI-led claims triage on motor and home and extends Multicover to include landlord insurance.
Admiral timeline
- 1993: Henry Engelhardt founds Admiral in Cardiff with backing from Brockbank.
- 2000: Elephant.co.uk launches as Admiral's online-only sister brand.
- 2004: Admiral Group lists on the London Stock Exchange.
- 2008: Admiral enters the FTSE 100.
- 2012: Confused.com, the price-comparison site, is spun off from the group.
- 2016: Admiral Loans launches as the group's consumer-credit arm.
- 2021: Milena Mondini de Focatiis succeeds David Stevens as group CEO.
- 2022: Multicover launches in the UK as a unique single-policy multi-product bundle.
- 2024: Admiral reports record profits and a special dividend; EV motor policy launches.
- 2025: Multicover passes one million customers.
Admiral FAQ
Yes. Admiral is authorised by the Gibraltar Financial Services Commission and regulated in the UK by the Financial Conduct Authority and the Prudential Regulation Authority. Policyholders are protected by the Financial Services Compensation Scheme (FSCS) for losses up to 90% of an insurance claim with no upper limit on most general insurance products.
Admiral is generally at the cheaper end of the UK motor market, particularly for young drivers and multi-car households. The Multicover bundle and the multi-car discount of up to seven vehicles are the main routes to cut the total bill.
Multicover is a UK-exclusive product that bundles motor, home, pet and travel insurance into a single policy with one renewal date. Customers typically save up to 25% versus buying each policy separately, and pay one direct debit instead of four.
You have a 14-day cooling-off period on any new Admiral policy in which you can cancel and receive a full refund minus a small admin fee. After the cooling-off period, you can still cancel but Admiral will keep the portion of premium covering the time on risk plus an admin fee.
Yes. Admiral Group owns Elephant (online), Diamond (women's-focus brand) and Bell (specialist young-driver brand). They quote independently but are all underwritten by Admiral Insurance.