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Ways you could reduce the cost of car insurance
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Admiral has sold car insurance since 1993, when it launched in Cardiff as one of the UK's first direct insurers, selling policies straight to customers rather than through brokers. It's now owned by Admiral Group plc, a FTSE 100 company and the only one headquartered in Wales, and insures more than five million cars and vans on UK roads. Admiral is best known for MultiCar cover, which lets households put several vehicles on one policy rather than insuring each separately.
How HowMuch works with Admiral
We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). Admiral is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by Admiral, alongside every other insurer on its panel. That means a quote from Admiral isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch doesn't have a direct commercial relationship with Admiral. We receive a commission if you purchase a policy. We do not provide advice or make recommendations.
Types of car insurance cover
Comprehensive
The highest level of cover. Pays out for damage to your own car as well as third-party vehicles, theft, fire and personal injury.
Third Party, Fire & Theft
Covers damage to others, plus your own car if it is stolen or damaged by fire. Often a sensible middle ground for lower-value vehicles.
Third Party Only
The legal minimum in the UK. Pays out for damage you cause to other people's vehicles or property — nothing for your own car.
Black Box (Telematics)
Premiums based on how you drive. A device in your car tracks mileage, speed and braking. Often cheaper for young or new drivers.
Admiral's policies
Admiral's comprehensive cover splits into four tiers, each building on the one below.
Admiral Essential
- Courtesy car while your own is repaired
- Uninsured driver promise
- Personal injury cover up to £5,000
- 24-hour emergency helpline
- Replacement locks up to £500
- Motor legal expenses and breakdown cover available as optional extras, not included as standard
Admiral
the standard tier, includes everything in Essential, plus:
- Windscreen cover
- Cover for driving in Europe for up to 90 days
- Personal belongings cover up to £200
- Cover for aftermarket audio equipment
- New car replacement if you're eligible
Admiral Gold
includes everything in the Admiral tier, plus:
- Personal belongings cover up to £300
- Onward travel cover up to £150
- Breakdown cover still optional at this tier
Admiral Platinum
includes everything in Gold, plus:
- Motor legal expenses included as standard
- Breakdown cover included as standard
Optional extras
- Breakdown Cover, gives unlimited 24/7 roadside callouts, recovery and misfuelling cover, with a replacement vehicle if you're stuck away from home
- Motor Legal Expenses, covers legal costs up to £100,000 if you're in an accident that isn't your fault
- Hire Vehicle Cover, provides a replacement car of a similar size to your own if yours is written off or stolen
- Personal Injury Cover, adds a payout on top of the personal injury cover already built into comprehensive policies, if you're hurt in an accident
Who is Admiral best for?
Admiral suits households running more than one car. Its MultiCar policy covers up to seven vehicles on a single policy and lets each carry a different level of cover, so a two-car family can put comprehensive on the newer car and third party, fire and theft on the older one. It also suits drivers who'd rather insure with a large, established underwriter than a newer brand. Admiral Group is a FTSE 100 company and has run its own car insurance since 1993, not simply badged on someone else's underwriting. Anyone drawn to Essential purely on price should check what it leaves out (no windscreen cover, no European cover as standard) before assuming it matches Admiral, Gold or Platinum.
What factors can affect the cost of car insurance?
While some of the biggest factors affecting your price — like your age and driving experience — are out of your control, you can still lower your car insurance cost by making a few policy changes.
Compare quotes
Shopping around could help you find a cheaper deal, as prices can vary widely between insurers.
Buy early
Insurers generally offer better prices 3–4 weeks before your policy start date.
Policy choice
Buy car insurance 25+ days before renewal.
Pay annually
Insurers add interest charges to monthly instalments, making this a more expensive way to pay overall.
Policy choice
Select annual payment if affordable.
Add a named driver
Adding more experienced named drivers can lower your premium, as insurers see the policy as less risky.
Policy choice
Have additional experienced drivers named on the policy.
Increase excess
If you pay more towards any claim you reduce the insurer's risk, so they will usually drop your premium.
Policy choice
Set a higher voluntary excess you can afford.
Add driving licence
Adding your driving licence number lets insurers verify your details and assess your risk more accurately.
Policy choice
Add all driver licence numbers.
Cut add-ons
Removing add-ons you don't need or can get elsewhere will lower your premium.
Policy choice
Remove cover like breakdown if you have it elsewhere.
Drive fewer miles
Cutting back on driving where possible can lower costs, as you're a lower risk of making a claim.
Policy choice
Estimate annual mileage accurately.
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Admiral is a trading name of EUI Limited, authorised and regulated by the Financial Conduct Authority (FRN: 309378).
*51% of consumers could save £535.17 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2026 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Howmuch Holdings Ltd is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. Howmuch Holdings Ltd do not offer financial advice and we receive a commission for any policies purchased, at no cost to you.
Car insurance FAQs
Yes. Employment details can influence the cost. If a role requires significant time on the road, providers may view this as an increased risk. Statistically, certain occupations are associated with higher claim frequencies, which can impact the premium.
Paying in a single annual lump sum is typically the most cost-effective method. While monthly instalments can help with budgeting, they usually involve interest charges on the credit provided, making the total cost higher over the year.
Providers typically perform a "soft search" to verify details when generating quotes; this does not affect a credit score. However, a full credit check is usually required if you choose to pay via monthly instalments.
To estimate mileage, calculate weekly usage and multiply by 52, or check previous MOT certificates for an accurate historical record. Accuracy is essential: underestimating can invalidate a policy, while overestimating can lead to higher premiums than necessary.
Contact the insurance provider directly to start the process. If theft or vandalism is involved, a crime reference number from the police is required. Ensure details of other drivers and witnesses are gathered. All incidents must be reported to the insurer, even if a claim is not being pursued.
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