Admiral is already a very well-known name in the UK insurance market, and they now offer dedicated insurance for electric and hybrid vehicles.
As part of the Admiral Group, Admiral is one of the UK’s largest car insurers, known for offering a range of insurance products through its various brands, including Bell, Diamond, Elephant, and Gladiator.
Let’s take a look at the key features and benefits of Admiral’s EV insurance.
Comprehensive Cover for EV Owners
Admiral Electric Car Insurance is designed to offer the protection you need for your electric vehicle, with several key features tailored specifically for EVs:
- Battery Cover: Your EV’s battery is a very important component! Admiral’s insurance policy provides battery protection against accidental damage, fire, and theft.
- Charging Equipment Protection: Admiral covers the essential charging cables and wall boxes, safeguarding them against risks such as theft, accidental damage, and fire.
- Out of Charge Recovery: Running out of battery can be a major inconvenience. Admiral offers an EV recovery service to transport your vehicle to the nearest charging station if you run out of charge on the road. This service is a handy safety net for EV owners, though it does not extend to hybrid vehicles.
Additional Cover
Admiral’s EV insurance goes beyond just the basics:
- Personal Injury Protection: Admiral provides comprehensive personal injury cover, offering up to £5,000 for both you and your partner in the event of an accident.
- Personal Belongings Cover: If personal items in your electric car are damaged or stolen, Admiral offers compensation up to £200 to assist in replacing these items.
- Wallbox Cover: If your home charging station is damaged due to an accident, vandalism, fire, or theft, Admiral will cover up to £1,000 towards its replacement.
Additional Benefits
Admiral also provides several additional EV insurance benefits:
- 24-Hour Emergency Helpline
Accidents and emergencies can happen at any time, and Admiral’s 24-hour emergency helpline ensures that help is just a call away. This service is available to both comprehensive and third-party, fire & theft policyholders. - MultiCar Discounts
For households with more than one vehicle, Admiral offers an EV MultiCar discount, making it more affordable to insure multiple vehicles under one policy. This can be a significant cost-saving advantage for families or individuals with more than one car. - European Coverage
Planning to take your EV across the channel? Admiral provides up to 90 days of coverage in Europe, eliminating the need to arrange extra insurance for international travel. This feature is especially convenient for frequent travelers.
Levels of Cover: Admiral’s Comprehensive Options
Admiral offers several levels of coverage to suit different needs:
- Admiral, Gold, and Platinum
These comprehensive policies are rated 5 stars by Defaqto, providing top-tier protection. Depending on the level chosen, you can benefit from motor legal protection, EV breakdown cover, and increased personal belongings cover, among other features. - Third Party, Fire & Theft
Admiral also offers third-party, fire & theft EV policies that still include critical protections like battery and charging equipment cover.
Customer Feedback and Ratings
Admiral’s customer ratings reflect a mixed experience:
- Customer Satisfaction: Admiral received a customer score of 60%, placing it in the lower half of insurers in the UK. Customers highlighted issues with policy clarity and value for money.
- Claims Handling: Admiral scored 56% in claims handling, ranking last among 25 insurers, indicating room for improvement in how claims are processed and managed.
- Policy Features: The Gold policy, while offering a decent range of benefits, scored 59% in a recent analysis, below the average of 64%. Customers appreciated the uninsured driver promise but noted limitations in windscreen and window damage cover.
How to Save Money on Admiral Electric Car Insurance
Admiral’s policies are often most competitively priced when purchased through comparison websites such as Confused.com, Compare the Market, and Go Compare. Discounts are available for insuring multiple vehicles under the MultiCar policy, bundling car and home insurance, or for using a dash cam. These discounts can significantly reduce premiums, making Admiral’s coverage more affordable.
Making a Claim with Admiral
If you need to file a claim, Admiral provides several convenient options:
- Phone: Call 0333 220 2033 to speak directly with a claims representative.
- Online: Start your claim through Admiral’s online portal for a straightforward process.
- Live Chat: For quick queries, use the live chat feature on Admiral’s website, available during business hours.
Cancelling Admiral Electric Car Insurance
To cancel your Admiral car insurance policy, you can:
- Phone: Call 0333 220 2000, available on weekdays from 9am-6pm and weekends from 10am-4pm.
- Email: Send a cancellation request via email, with a typical response time of 24 hours.
- Live Chat: Use the live chat service on Admiral’s website during the same hours as phone support.
Driving Other Electric Cars with Admiral Insurance
Admiral’s comprehensive policies typically include Driving Other Cars (DOC) cover, allowing policyholders aged 25 and over with a full manual license to drive other vehicles in emergencies. However, this cover only extends to third-party liability and is not intended for regular use of other vehicles.
Why Choose Admiral Electric Car Insurance?
From protecting your battery and charging equipment to offering recovery services if you run out of charge, Admiral provides several real-life benefits for EV drivers. The inclusion of personal injury cover and compensation for personal belongings makes this EV policy even better.
With additional benefits like the 24-hour emergency helpline, MultiCar discounts, and European coverage, Admiral’s EV insurance offers not just protection but also convenience and peace of mind for electric vehicle owners.
Admiral Electric Car Insurance is a strong option for anyone looking to insure their electric vehicle. With comprehensive coverage options, specialised protection for EV components, and a host of additional benefits, Admiral ensures that EV owners are well-covered against a wide range of risks.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
