LAST REVIEWED: JUNE 2026
Admiral Group is the UK's largest personal lines insurer by policy count, underwriting car, home, travel, pet and van cover through six trading brands. The group is FCA-authorised under EUI Limited (FRN 310848) and listed on the London Stock Exchange as a FTSE 100 constituent. Admiral posted record underlying profit before tax of £958m in 2025 on revenue of £4,979m. The KT Score of 62/100 reflects a 98.9% claims acceptance rate and strong Trustpilot performance, offset by a voluntary £50m total loss settlement announced in August 2025 covering write-off claims from 2019 to 2024, and above-average FOS complaint volumes in motor.
KT Score breakdown
| Dimension | Weight | Score | Data point |
|---|---|---|---|
| Claims pay-out rate | 25% | 78 | 98.9% claims acceptance (MSM data, 2025) |
| FOS complaint record | 25% | 38 | Above-sector complaints; £50m write-off settlement 2025 |
| Customer satisfaction | 20% | 80 | 4.5/5 Trustpilot from 250,000+ reviews (June 2026) |
| FCA standing | 15% | 65 | Authorised; no current enforcement; write-off review ongoing |
| Financial strength | 15% | 88 | Solvency ratio 193%; record PBT £958m 2025 |
Product range
| Product | Brands | Key feature | KT review |
|---|---|---|---|
| Car insurance | Admiral, Bell, Diamond, Elephant | MultiCar up to 7 vehicles; LittleBox telematics | Full review |
| Home insurance | Admiral, More Than | Buildings, contents, home emergency add-on | Full review |
| Travel insurance | Admiral | Single trip, annual multi-trip, cruise; pre-existing covered | Full review |
| Pet insurance | Admiral, More Than | Lifetime and time-limited; up to £10,000 vet fees | Full review |
| Van insurance | Admiral, Gladiator | Single and multi-van; commercial fleet via Flock (Feb 2026) | Full review |
| Multicover bundle | Admiral | Car, home, pet and travel combined; up to 25% discount | Full review |
The write-off settlement: what consumers need to know
In August 2025, Admiral announced it had set aside approximately £50m to compensate customers whose vehicle write-off settlements may have understated the vehicle's pre-accident market value between 2019 and 2024. Internal processes had not adjusted quickly enough to used car price volatility during that period. Admiral estimated that approximately 3% of total loss claims over the relevant period were affected.
Admiral began contacting affected customers during H2 2025. Customers who believe they received an undervalued write-off settlement and have not been contacted should raise a formal complaint with Admiral in writing. If unresolved within eight weeks or if Admiral's response is unsatisfactory, the Financial Ombudsman Service can review the case free of charge. The FOS can award up to £430,000. The remediation is voluntary rather than a formal FCA enforcement case.
FCA and regulatory status
Admiral operates through two primary regulated entities. EUI Limited (FRN 310848) is the principal trading entity for UK motor, travel and personal finance products. Admiral Insurance (Gibraltar) Limited (FRN 220858) is the underwriter for home insurance and is authorised by the Prudential Regulation Authority and regulated by both the FCA and PRA. Neither entity is subject to current FCA enforcement action as of June 2026. Status can be verified at register.fca.org.uk.
Six brands: who they target
Admiral Group operates six UK insurance trading brands. Admiral is the flagship direct brand. Bell and Diamond historically targeted women drivers. Elephant serves drivers outside Admiral's standard risk appetite. Gladiator specialises in commercial van insurance. More Than, acquired from RSA in April 2024, focuses on home and pet insurance. When all six brands appear on a comparison site, consumers are not comparing genuinely independent underwriters. EUI Limited underwrites motor products across Admiral, Bell, Diamond and Elephant.
Financial profile
Admiral Group posted full-year revenue of £4,979m and underlying profit before tax of £958m in 2025, a record for the group. The post-dividend solvency ratio stood at 193% at year-end 2025. The 2025 full-year dividend totalled 205p per share. In February 2026, Admiral announced an agreement to acquire commercial fleet insurer Flock for £80m, subject to regulatory approval, signalling expansion in the van and fleet segment.
Management guidance for 2026 indicated profit growth would be flatter, reflecting competitive market conditions in UK motor through 2025 and the timing of less profitable business flowing through. The group's customer count grew 7% in 2025.
Competitor comparison
| Insurer | KT Score | Trustpilot | Claims rate | Strongest for |
|---|---|---|---|---|
| Admiral | 62 | 4.5/5 | 98.9% | Multi-vehicle, bundle pricing |
| Aviva | 68 | 4.0/5 | 97.8% | Multi-product depth, FOS score |
| Direct Line | 58 | 4.1/5 | 97.2% | Claims handling speed, direct pricing |
| Churchill | 56 | 3.9/5 | 96.8% | Price on comparison sites |
Full comparisons: Admiral vs Direct Line | Admiral vs Aviva | Admiral vs Churchill
Disclaimer: This profile is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice or a recommendation to purchase any insurance product. KT Scores are independent editorial assessments based on publicly available primary data including the FCA Register, FOS publications and company regulatory filings. They are not endorsed by Admiral Group or any regulatory body. Kael Tripton Ltd is not authorised or regulated by the FCA. Always verify product details directly with Admiral before purchasing. Kael Tripton Ltd, Company No. 17177071, ICO ZC135439.
Frequently asked questions
Is Admiral car insurance any good?
Admiral is one of the UK's largest car insurers with a 98.9% claims acceptance rate and 4.5/5 on Trustpilot from over 250,000 reviews. The main concerns in 2025 and 2026 are above-average FOS complaint volumes and the voluntary £50m write-off settlement programme for total loss claims from 2019 to 2024. MultiCar is particularly competitive for multi-vehicle households. LittleBox suits younger drivers willing to accept the night-time restriction.
Who underwrites Admiral insurance?
Motor insurance is underwritten by EUI Limited (FRN 310848), authorised and regulated by the FCA. Home insurance is underwritten by Admiral Insurance (Gibraltar) Limited (FRN 220858), authorised by the PRA and regulated by both the FCA and PRA. Both are within Admiral Group Plc, listed on the LSE.
What brands does Admiral Group own?
Admiral Group operates six UK trading brands: Admiral, Bell, Diamond, Elephant, Gladiator and More Than. More Than was acquired from RSA Insurance UK in April 2024. In February 2026, Admiral announced an agreement to acquire Flock, a commercial fleet insurer, for £80m subject to regulatory approval.
Did Admiral underpay write-off claims?
Admiral announced in August 2025 that approximately 3% of total loss claims settled between 2019 and 2024 may have understated the vehicle's pre-accident market value. The firm set aside approximately £50m for customer compensation. This is a voluntary remediation, not an FCA enforcement case. Customers who believe they are affected and have not been contacted should raise a formal complaint with Admiral.
How do I complain to Admiral?
Raise the complaint with Admiral first via admiral.com/contact-us. If unresolved within eight weeks, or if Admiral's final response is unsatisfactory, escalate to the Financial Ombudsman Service at financial-ombudsman.org.uk. The FOS is free for consumers and can award up to £430,000.
Is Admiral regulated by the FCA?
Yes. EUI Limited (FRN 310848) is authorised and regulated by the FCA. This can be verified at register.fca.org.uk. Admiral Insurance (Gibraltar) Limited (FRN 220858) is additionally regulated by the PRA.
What is Admiral Multicover?
Admiral Multicover combines car, home, pet and travel insurance on one policy with a single renewal date. Admiral states discounts of up to 25% compared with separate policies. It is only available direct from Admiral and does not appear on comparison sites.
Does Admiral offer black box insurance?
Yes. Admiral LittleBox fits a device to the vehicle and records driving behaviour. Night-time driving between 11pm and 5am is restricted. Driving scores influence renewal pricing. LittleBox is aimed primarily at drivers aged 17 to 25.
Consumer Duty and fair value obligations
The FCA's Consumer Duty (PS22/9), effective July 2023, requires Admiral to demonstrate that its products and services deliver fair value to consumers, that marketing materials and policy documentation enable informed decisions, and that customers in vulnerable circumstances receive appropriate support. Consumer Duty applies across all Admiral Group products including car, home, travel, pet and van insurance sold in the UK.
In practice, Consumer Duty requires Admiral to monitor and report on product outcomes including claims acceptance rates by customer segment, complaint volumes and root causes, renewal pricing relative to equivalent new customer quotes, and the experience of consumers with characteristics of vulnerability such as poor health, recent bereavement or financial difficulty. The FCA can request Consumer Duty evidence at any time as part of supervisory engagement and can require firms to take remedial action where outcomes are found to be poor.
The write-off settlement programme announced in August 2025 illustrates how Consumer Duty-era scrutiny of product outcomes can lead to remediation programmes. The settlement arose from an FCA multi-firm review of total loss claims valuations, a review that Admiral could not have predicted when it originally set its claims valuation methodology. Consumer Duty creates an ongoing obligation for all FCA-authorised insurers including Admiral to proactively identify and address consumer harm rather than to respond only when regulators raise concerns.
Admiral's response to AI and pricing technology
Admiral Group has publicly referenced the potential impact of artificial intelligence on the insurance sector in its 2025 results commentary. Management noted that AI-driven disruption represents a medium-term uncertainty for the group's business model, particularly in relation to automated claims processing, pricing algorithm sophistication and direct consumer interaction via AI-powered comparison tools.
UK motor insurance pricing already relies heavily on predictive modelling using thousands of rating factors. The industry-wide shift toward more granular telematics data, including real-time driving behaviour scoring, represents an evolution of this approach rather than a discontinuous change. Admiral's LittleBox product positions the group to capture telematics data at scale, which provides a competitive pricing data asset as the UK market moves toward more dynamic pricing models.
Contacting Admiral and escalating complaints
Admiral's primary contact channel for new policies, renewals and general enquiries is its website at admiral.com. The claims line number and complaints postal address are published on the policy schedule issued at inception. For complaints, Admiral's formal complaints process is documented at admiral.com/contact-us/complaint-information and sets out the eight-week timeframe within which Admiral must issue a final response or provide an update explaining the delay.
If Admiral's final response is received and is considered unsatisfactory, or if eight weeks have passed without a final response, consumers can refer the complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk or by calling 0800 023 4567. The FOS service is free for consumers. The FOS can investigate the complaint, require Admiral to provide evidence and, where it finds in the consumer's favour, make a legally binding award of up to £430,000. Admiral is required to implement FOS decisions within 28 days.
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