LAST REVIEWED: JUNE 2026
Admiral home insurance scores 60/100 on the KT Score. Admiral Insurance (Gibraltar) Limited (FRN 220858), regulated by both the Prudential Regulation Authority and the Financial Conduct Authority, underwrites Admiral's home insurance products. Cover is available as buildings only, contents only or combined buildings and contents. Optional extras include home emergency, legal expenses and accidental damage. The 60 score reflects competitive pricing on comparison sites and strong Trustpilot performance, offset by the Gibraltar-domiciled underwriter structure and FOS complaint volumes that track above smaller specialist home insurers. The More Than brand, acquired by Admiral Group in April 2024, also offers home insurance within the same group structure.
KT Score breakdown
| Dimension | Weight | Score | Evidence |
|---|---|---|---|
| Claims pay-out | 25% | 64 | No public home-specific claims data; group-level performance used |
| FOS complaint record | 25% | 52 | Above-average for home insurer segment; biannual FCA data |
| Customer satisfaction | 20% | 76 | 4.5/5 Trustpilot group-wide; home-specific review volume lower |
| FCA standing | 15% | 60 | PRA + FCA dual-regulated; Gibraltar domicile; no current enforcement |
| Financial strength | 15% | 88 | Admiral Group solvency 193%; PBT £958m 2025 |
Buildings and contents cover
Admiral home insurance covers the structure of the property under buildings cover, including walls, roof, floors, fixed fixtures and outbuildings. Contents cover protects belongings inside the home against theft, fire, flood and accidental damage where selected as an add-on. Combined buildings and contents policies are available and typically cost slightly less than purchasing the two elements separately from the same provider.
The sum insured for buildings should reflect rebuild cost rather than market value. Admiral provides a rebuild cost calculator to help policyholders set an appropriate figure. Underinsurance at the point of a total loss claim can result in the insurer applying an average clause, reducing the settlement proportionately to the degree of underinsurance.
Home emergency cover
Admiral's home emergency add-on provides call-out assistance for boiler breakdown, heating failure, plumbing emergencies, blocked drains, lost keys and security failures. Labour, call-out costs and parts up to the policy limit per claim are covered. Annual boiler servicing is not included and requires a separate arrangement. Home emergency cover is available as an add-on to home insurance policies and cannot be purchased as a standalone product from Admiral.
Regulatory structure: the Gibraltar entity
Admiral home insurance is underwritten by Admiral Insurance (Gibraltar) Limited (AIGL), authorised by the Prudential Regulation Authority and regulated by both the FCA and PRA. AIGL carries FRN 220858 on the FCA register. The Gibraltar domicile is a legacy structure from Admiral's early development and does not affect the consumer protection rights available to UK policyholders. Access to the Financial Ombudsman Service and the Financial Services Compensation Scheme applies in the same way as for a UK-domiciled insurer.
Consumers who wish to verify AIGL's current regulatory status can do so at register.fca.org.uk using FRN 220858.
More Than home insurance within the group
Admiral acquired More Than from RSA Insurance UK in April 2024. More Than home insurance now operates within Admiral Group's underwriting infrastructure. The two brands may produce different quotes for the same property on a comparison site despite sharing the same group parent. Comparing both Admiral and More Than alongside other market providers via a comparison site produces the most complete view of available pricing.
Disclaimer: This review is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice. KT Scores are independent editorial assessments. Kael Tripton Ltd is not FCA authorised. Verify all details with Admiral before purchasing. Company No. 17177071, ICO ZC135439.
Frequently asked questions
Who underwrites Admiral home insurance?
Admiral home insurance is underwritten by Admiral Insurance (Gibraltar) Limited (AIGL), FRN 220858. AIGL is authorised by the Prudential Regulation Authority and regulated by both the FCA and PRA. It can be verified on the FCA Financial Services Register at register.fca.org.uk.
Does Admiral home insurance include accidental damage?
Accidental damage is available as an add-on rather than included as standard on base tier products. It covers sudden and unforeseen accidental damage to buildings and contents. Wear and tear, mechanical breakdown and gradual deterioration are excluded regardless of whether accidental damage cover is selected.
Is Admiral home insurance on comparison sites?
Yes. Admiral home insurance is available through MoneySuperMarket, Compare the Market, GoCompare and other major UK comparison sites. This allows straightforward benchmarking against other home insurers in a single search, including the More Than brand which may produce a different quote for the same property.
What is the difference between Admiral and More Than home insurance?
Both are trading brands within Admiral Group Plc. More Than was acquired from RSA in April 2024. The two brands may offer different policy terms, pricing tiers and optional extras despite sharing the same parent group. Treating them as separate products for comparison purposes while noting the shared group ownership gives the most accurate picture.
Does the Gibraltar underwriter affect my rights as a UK consumer?
No. Admiral Insurance (Gibraltar) Limited (FRN 220858) is dual-regulated by the PRA and FCA, and UK consumers have the same access to the Financial Ombudsman Service and Financial Services Compensation Scheme as they would with a UK-domiciled insurer. Gibraltar-based firms authorised by UK regulators carry full UK consumer protections.
Subsidence, flood and structural cover
Admiral buildings insurance includes cover for subsidence, heave and landslip subject to a standard excess that is typically higher for subsidence claims than for other perils such as fire or theft. The subsidence excess may be in the range of £1,000 to £2,500 per claim depending on the policy tier and the property's location and construction. Properties identified as high-risk for subsidence, particularly those on shrinkable clay soils in parts of London, the South East and the East Midlands, may attract a loading on the buildings premium or a specific subsidence exclusion at the underwriter's discretion.
Flood cover is included as standard in Admiral buildings and contents policies. Admiral participates in Flood Re, the government-backed reinsurance scheme that ensures affordable flood cover remains available to properties at high flood risk. Consumers can check whether their property is registered under Flood Re at floodre.co.uk before purchasing a policy. Properties built after 1 January 2009 are not eligible for Flood Re regardless of their flood risk profile, which may affect premium pricing for newer homes in flood-risk areas.
Contents cover: single article limits and specified items
Standard Admiral contents policies apply a single article limit, typically in the range of £1,500 to £2,500 per individual item, above which high-value items require separate specification on the policy schedule. Items exceeding the single article limit that are not individually listed will only be settled up to the per-item cap in the event of a claim. Jewellery, watches, art, antiques, musical instruments, bicycles and specialist sports equipment are the most common categories where the single article limit causes under-settlement.
High-value items should be listed individually on the policy schedule with an agreed valuation or recent purchase receipt to support full settlement. An insurer may request a current independent valuation for items above a specified threshold. Personal possessions cover, which extends contents protection to items taken outside the home, is available as an optional add-on. Bicycles, laptops and mobile phones taken outside the home are the most common categories of item that benefit from personal possessions cover and that are excluded from standard contents policies when away from the insured premises.
Making a home insurance claim with Admiral
Emergency claims such as burst pipes, fire or forced entry should be reported immediately using the 24-hour claims number on the policy schedule. For non-emergency claims including accidental damage, theft and weather damage, the Admiral online claims portal at admiral.com allows submission with supporting photographic evidence. A crime reference number from the police is required for theft claims before Admiral can process the settlement.
Admiral uses a network of approved repairers for buildings claims. Policyholders who arrange their own contractors without prior authorisation from Admiral may find that only reasonable market-rate costs are covered rather than the full invoice amount. The approved repairer network typically covers the most common repair categories including roofing, glazing, plumbing and drainage. For specialist repairs, Admiral may authorise alternative contractors where approved repairer coverage is unavailable.
Admiral Group press release April 2024 (More Than acquisition)
