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Having been named as one of the best home insurance providers for 2022 with its Platinum Home Insurance policy earning a five-star rating, Admiral could be where to turn if you’re looking for a new provider. Here’s everything you need to know about Admiral home insurance to help you make an informed decision.
There are three core packages you can choose from with Admiral home insurance, with each offering slightly different levels of cover. Let’s take a look at what’s included in each.
This is Admiral’s basic package and is specifically designed to cover the essentials. It includes unlimited buildings cover (eligibility criteria applies) and up to £75,000 in contents cover, with £350 in bicycle cover included. Policyholders can access a 24-hour emergency helpline too.
Offering the same perks of unlimited buildings cover and up to £75,000 in contents cover, this package adds on boiler emergency cover as standard (up to £500 per emergency callout with a maximum of two claims during the policy term) and up to £5,000 in trace and access cover. The £350 in bicycle cover and access to a 24-hour emergency helpline is still included.
The most comprehensive package offered, this policy includes unlimited buildings cover and up to £150,000 in contents cover as standard, as well as home emergency cover (including boiler cover), family legal protection, accidental damage cover, up to £10,000 in trace and access cover and up to £2,000 in personal possessions cover. Matching items cover is also included, as is access to the 24-hour emergency helpline and bicycle cover.
Note that the above refers to combined home insurance; you can also purchase individual buildings or contents insurance depending on your requirements, both of which offer the choice of three packages.
Yes. All policies offer optional cover for bicycles worth more than £350, while the Gold and Home packages allow you to add family legal protection, accidental damage cover, personal possessions cover and home emergency cover, allowing you to customise your perfect policy.
Typical exclusions include damage caused by general wear and tear, any loss or damage when your home is unoccupied or unfurnished, and damage caused by lack of maintenance to the property. Policyholders will need to read their policy book for a complete overview of the coverage and exclusions applied to their insurance package.
This will depend on the package you choose and the value of your property and its contents, as well as the value of your excess and claims history. You’ll need to speak with Admiral to get an accurate quote.
You can make a claim through Admiral’s MyAccount portal, or by calling the claims line. You’ll be expected to provide all relevant details – including your policy number, the address of the insured property, the date and time of the incident and any relevant documents or photographs – and you should keep hold of any damaged items until the claim has been settled.
You’ll be expected to pay an excess – there’s a compulsory excess, but you can pay a higher voluntary excess to reduce your premiums – and if you have high-risk or high-value items you’ll need to notify Admiral about them individually. You may need to provide proof of purchase or a valuation for an item to be insured.
Admiral can cater to a variety of circumstances, so if you’ve got a non-standard home – such as a listed building, thatched cottage or timber-framed property – you should still be able to source suitable cover, though you’ll need to speak to them directly.
Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.