How to cancel Admiral car insurance | Fees & refunds explained (2022)

How to cancel your Admiral car insurance policy

  • Cancellation after 14 days
  • Cancellation within 14 days of cover

Cancellation after 14 days

  1. Contact. Drop Admiral an email or call to explain you wish to cancel your policy early. State whether you want to quit immediately or on a future date.
  2. Refund. If you paid for your premium with one upfront payment you’ll get a partial refund, which will reimburse you for the time you haven’t had cover for.
  3. Administration charges. Admiral will deduct an administration fee from the money it gives back to you, to cover its costs for setting up and stopping your policy.
  4. Outstanding premium. If you have any outstanding premium you need to pay this off within 10 days.
  5. Made a claim. Bad news if you’ve made a claim or had one made against you. You won’t get a single penny back should you cancel early.

Contact numbers

If your cancellation relates to standard car insurance, call Admiral’s customer service team on 0333 220 2000.

If your cancellation relates to telematics car insurance, call Admiral’s customer service team on 0333 220 2010.

The opening hours are:

Mon to Fri: 08:00 – 18:00
Sat: 10:00 – 17:00
Sun: 09:30 – 16:00

For more information regarding cancellations, you can refer to this page.
Email

There is an email form on the Admiral website

Cancellation fees

If you decide to cancel after the cooling off period but before your cover stops, Admiral will charge you for any days of cover used and also an amount for processing your cancellation. These fees will vary depending on your policy as listed in the table below. You’ll also be charged £5 if you originally selected any policy upgrades.

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Policy typeCancellation fee
Car insurance£55
Telematics car insurance (Admiral installs unit into car)£155
Telematics car insurance (driver plugs unit into charging port)£105

Cancellation within 14 days of cover
We’ve all done it, rushed into buying something then had second thoughts. Thankfully, if you act swiftly it shouldn’t cost you too much to cancel your Admiral car insurance policy. Here are the steps.

  1. Contact. Call or email Admiral within 14 days of receiving your welcome letter or email.
  2. Refund. Admiral will then give you a full refund minus an administration charge. So long as you haven’t made a claim (or had one made against you) during your short time with Admiral.
  3. Charge. This admin fee could be more than £100 if you’ve had a black box installed.

Contact numbers

If your cancellation relates to standard car insurance, call Admiral’s customer service team on 0333 220 2000.

If your cancellation relates to telematics car insurance, call Admiral’s customer service team on 0333 220 2010.

Email

There is an email form on the Admiral website

Cancellation fees

If you decide to cancel during the cooling off period, Admiral will charge you for processing your cancellation. These fees will vary depending on your policy as listed in the table below. You’ll also be charged £5 if you selected any policy upgrades.

Telematics car insurance (driver plugs unit into charging port)£105

Policy typeCancellation fee
Car insurance£25
Telematics car insurance (Admiral installs unit into car)£125
Telematics car insurance (driver plugs unit into charging port)£75 (£50 will be refunded if unit is returned with 30 days of cancelling the policy)

Things to consider before cancelling your policy with Admiral

  • Change existing policy. You could adjust your current deal rather than cancelling your Admiral policy. If you’re looking for cheaper car insurance or a different level of cover, then call Admiral and see how much it will cost to change your insurance policy.
  • Fees. Whether you’re leaving within the first 14 days or after, you’re going to have to pay a fee to leave. How much will depend on the type of policy you have and whether you’re in the cooling off period. You might well decide to stay put if the cost of leaving is more than the refund.
  • Have you made a claim. Admiral won’t give you any refund whatsoever if you’ve been involved in a claimable incident. So it’s worth weighing up if it’s worth cancelling your deal.
  • Best time to switch. Generally about three weeks before your current deal is about to expire is the best time to look for a new quote. People who get insurance at the last minute are statistically seen as higher risks by insurance companies. So renewing your Admiral deal could be cheaper.
  • Multi-car policy downside. If you have received a discount for insuring multiple cars on your policy, this will be lost, and so the premium will be adjusted for each other car remaining on the insurance.
  • No claims. Admiral could well refuse to let you take your no claims bonus with you, which might cost you should you switch provider early.

Changing car insurance provider

Unless you’re selling or getting rid of your car, or maybe moving it abroad, then you’ll want to find a new car insurance provider when you leave Admiral.

It’s crucial you don’t overlap your Admiral insurance with your new policy, as it can lead to problems should you need to make a claim. These basic steps should help you avoid doing this.

  • Shop around. Decide what level of cover you need then use comparison sites to compare all the deals out there. This will help you find the best value policy out there.
  • Go direct. Some insurance companies won’t put all their deals on comparison sites, so get a few quotes directly too.
  • Starting a new policy immediately. If you want to change car insurance provider today or before your Admiral deal runs out, sign up for a new policy and contact Admiral that day and quit immediately. This will make sure you don’t double-up on car insurance.
  • Delaying your new policy. If you’re happy to wait for your Admiral deal to run down then get in touch with it and say you don’t want it to automatically renew your current deal. It could well do otherwise. Then sign up for a new policy and ask your new provider to begin your cover the day your Admiral deal ends.
  • Pay fees. Should you cancel your Admiral deal early to change car insurance provider, you’ll get hit with a fee to leave.

Bottom line

Cancelling a car insurance policy with Admiral is relatively straight forward and you’ll be able to do so either online or over the phone. The issue is that whether it’s inside or outside of the cooling off period, you’ll be charged a cancellation fee, which can be a real hit, especially if you had a telematics policy.

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The lesson here for next time is to be absolutely sure the next policy you choose suits your needs and your budget before you take the plunge and buy it.

Frequently asked questions

  • The best time to switch is generally three weeks before your existing deal is set to expire. Car insurance companies hike prices for people who leave getting insurance to the last minute, as they’re statistically more likely to make a claim.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (March '21). 51% of car insurance customers could save £257.97.

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How to cancel Admiral car insurance | Fees & refunds explained (1)

Esther Wolffowitz

Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE).

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    FAQs

    Can I cancel my Admiral car insurance online? ›

    Cancelling a car insurance policy with Admiral is relatively straight forward and you'll be able to do so either online or over the phone. The issue is that whether it's inside or outside of the cooling off period, you'll be charged a cancellation fee, which can be a real hit, especially if you had a telematics policy.

    Can you cancel an insurance policy and get money back? ›

    If you choose to cancel your policy, or your insurance company cancels it, you typically won't get a refund unless you've paid the premium in advance.

    How do I cancel my Admiral auto renewal? ›

    Login to Your Admiral Account
    1. Visit the myAccount page.
    2. Below the message “Choose a product to manage”, click “Motor”
    3. Click the “LOGIN TO MY ACCOUNT” button.
    4. Enter your email and password.
    5. Click the “Login” button.
    6. Follow on-screen instructions to request policy cancellation.

    What happens if I want to cancel my car insurance? ›

    You'll usually get a refund on your optional extras, minus a bit for the time you've been covered, and any cancellation fees you have to pay. But you won't get a refund if you've already used it. Like car insurance, optional extras tend to renew automatically.

    So let's take a look at when you can cancel your car insurance , how to cancel auto insurance, and when you shouldn't cancel your coverage.. You may have to pay a cancellation fee or short rate fee when you cancel your auto insurance policy if you cancel during the policy.. Car insurance providers don’t generally charge penalties for switching to a new car insurance policy with a different insurance company, but some insurers may charge a car insurance cancellation fees, which are usually about $50.. If you’re changing insurance companies, make sure to research other companies before switching policies.. If your car insurance company cancels your policy, you need to make sure you get new car insurance immediately.. Your car insurer canceled your policy and you need a new one.. (You could say something like, "I am writing to tell you that I am canceling my car insurance policy."). Some car insurance companies charge an auto insurance cancellation fee before a policy's expiration date.. That said, some car insurance companies charge a car insurance cancellation fee if you cancel before your term expires.. Or you may have a car insurance cancellation fee to pay out first, or a short rate fee, which is 10% of the unused premiums.. There's a "short rate" fee or an auto insurance cancellation fee.

    ","anchorName":"#when-should-i-cancel-or-switch-car-insurance"},{"label":"What to consider before canceling your car insurance","anchorName":"#what-to-consider-before-canceling-your-car-insurance"},{"label":"Bottom line","anchorName":"#bottom-line"},{"label":"Questions about canceling car insurance","anchorName":"#questions-about-canceling-car-insurance"}]}. If you find a better deal with another insurer or are selling your car, you can cancel your car insurance policy to take advantage of insurance savings.. However, avoid surprise cancellation fees by checking your insurer’s cancellation policy, and consider the cost benefit of switching companies if your current insurer does charge a fee.. And, if you’re planning to keep and drive your car, you’ll want your new insurance policy in place before canceling your current car insurance.. You usually won’t pay a cancellation fee when canceling your car insurance, but it depends on the insurer.. Car insurance cancellation fees AAA $0 Allstate $0 American Family $0 Farmers $0 Geico $0 Liberty Mutual $0 Mercury 10% of remaining premium Nationwide $0 Safeco $0 State Farm $0 The General 10% of remaining premium The Hartford $0 Travelers $0 USAA $0 If you want to cancel your car insurance policy, you have options.. How to write a car insurance cancellation letter If you have new insurance lined up, your new insurer may give you a template letter, often called a cancellation letter or cancel previous insurance letter.. Many insurers let you transfer your current policy to another car, although this may vary between insurers, and insurers are free to decline to cover your new car at their discretion.. If you’re looking to switch insurers or cancel your car policy, you have options for canceling your car insurance.

    Whether you're looking to insure one car or all your family cars, there are plenty of options and discounts with Admiral’s award winning motor insurance .. Car insurance falls into three main levels of cover. It includes third party, fire & theft and covers the cost of repairing or replacing your car if it's involved in an accident or damaged maliciously, as well as offering you a courtesy car.. However, it doesn't cover the cost if your car's damaged in another way, such as a crash.. While the amount of cover you get depends on which level you choose – comprehensive offers the most cover, third party the least – there are a few things that come as standard with Admiral Car Insurance (excluding Essential tier):. Cover to drive in Europe for up to 90 days Driving other cars (subject to eligibility). We're proud of our car insurance and our customers seem to think it's pretty great too – we've won the UK's Best Car Insurance Provider eight years in a row, and it's voted for by the public.. Age Driving experience Driving record (claims and convictions) The type of car you drive Car insurance groups. Cars in the lower groups are cheaper to insure while those close to the 50 mark will be more expensive.. Car insurance groups are broadly set by The Group Rating Panel and administered by Thatcham Research; our pricing team considers these recommendations when calculating our car insurance prices.. As well as looking at the cost of time and parts to return a car to its pre-accident condition, Thatcham’s team looks at these things to help group cars:. We know car registrations aren’t always easy to remember, but we can find your car if you know the make, model and year.

    A specified item is any high-risk item that exceeds the ‘Unspecified item limit’ and therefore must be listed on your Home Policy Schedule.. Please refer to the "Keeping your policy up to date" section of the policy book for the full list and details of when the policy must be updated and how to do this.. If you lose or damage a specified item and is replaced as part of a claim, we will remove the item from the policy as it will no longer require cover.. Accidental damage to your Buildings/Contents is only standard to the Platinum tier of policy however, don’t worry, if you wish to add this onto to your Admiral or Gold tier policy simply request it at the point of sale or during your policy term to upgrade.. If you suspect there may be a leak within your home, and you are a Gold or Platinum tier customer, you may have cover to remove or replace any part of the buildings to resolve this under trace and access cover (subject to policy limits).. This element of the policy covers personal possessions (for the Platinum tier of cover) and items you have specified individually (on all tiers of cover) when you take them away from your home.. If you would like to add this to your Admiral or Gold tier policy, request it when purchasing your policy or it can be added during your policy term.. There are a number of ways that a claim can be fulfilled; these include repairing an item, replacing an item, restoring (cleaning) an item, providing vouchers, or to pay you the cost to undertake repairs, replace, or restore your home or belongings.. show more Admiral Gold tier policy customer have Boiler Emergency Cover as standard, which covers 2 call outs per year for heating- or boiler-related emergencies.. You can upgrade to Home Emergency Cover for Admiral and Gold-tier policies at the point of sale or during the term of your policy (further information can be found here ).. Boiler emergency and home emergency cover provides temporary repairs only, so there is no cover for a contribution to replace your boiler.. The cost of the claim is covered by Admiral up to the policy limit.. Theft of keys is not covered under your home emergency policy, however there may be cover under your main household policy.. Boiler emergency and home emergency policies cover temporary repairs to protect you and your property from further damage.. show more This cover is included as standard with your Platinum policy, but if wish to add it to your Admiral or Gold Tier policy please contact us .

    If your vehicle can be repaired and the damage is covered by your policy, our approved repairers will give you a courtesy vehicle once the repairs have started.. If your vehicle isn’t driveable, our approved repairer will provide you with a courtesy vehicle when your vehicle has been declared repairable and the repairs have started.. If your vehicle has been damaged beyond repair, you will not be given a courtesy vehicle, however if you have Hire Vehicle Cover, you may be entitled to a hire vehicle.. If your vehicle can be repaired and the damage is covered by your insurance, your car will be repaired by one of our approved repairers.. Courtesy vehicles provided by our approved repairers will be covered under your insurance policy on the same terms and conditions as your vehicle.. If your vehicle is damaged beyond repair, our Claims team will contact you to discuss the next steps of your claim.. Windscreen claims won't affect your No Claims Bonus Courtesy vehicles aren't provided for windscreen claims To make a claim, contact Autoglass directly for cars and Nationwide for Vans on 0333 234 0013. If the claim handler is not satisfied, then they may ask for an engineer, either to review the claim for damage or potentially inspect the Third-party vehicle.. They will also ask for the total claim costs, if the No Claims Bonus was affected or not and if the claim has been settled or remains open.. Unless you have been advised differently by your claim’s handler, if you are not held responsible for the accident, your No Claims Bonus will be reinstated once the Third Party insurers have accepted full liability.. If the accident was your fault and you've suffered losses that aren't covered by your insurance, you can't claim for them unless they're covered by alternative insurance.. If there is a Third Party involved, you can choose not to claim for your own damage, but we would keep the claim open while our own investigations into the other party continued.. If the vehicle's stolen If the vehicle's been broken into If the vehicle's been maliciously damaged If the vehicle's been involved in an arson attack If someone's injured as a result of the incident If a crime's taken place, you need to get a Crime Reference Number from the police.

    To calculate the average cost to cancel car insurance, we checked administration fees from 42 leading UK car insurance brands.. Telematics policies, in particular, may charge higher fees than we've listed.. Note that some brands like Aviva and Debenhams charge less during the 14-day cooling off period if your cover hasn't started yet and more if cover has started.. The insurer will calculate if they owe you a refund on your premium (say, if you prepaid in full) or if you owe them some premium for time you've been covered (if you pay monthly).. However, a few brands calculate premium owed or to be refunded using a scale (not pro rata) which means you'd pay MORE for the time covered.. For example, Go Girl charges 20% of the premium if you cancel within the first month, as you can see in the premium scale below.. If you have made a claim and cancel during the 14-day cooling off period, your insurance company can deduct the sum paid out from the refund of the premium.. You can cancel your car insurance mid policy, however you still may need to pay a cancellation fee any unpaid premiums for time you've been covered.. You can cancel car insurance after auto renewal but you're likely to be charged a cancellation fee and the premium for any time you had cover during the new policy year.. Why would car insurance be cancelled?. To cancel a standard Admiral car insurance policy you'll need to pay a £55 cancellation fee, which is reduced to £25 if you cancel during the 14-day cooling off period.. There's no cancellation fee if you cancel a standard Direct Line car insurance policy during the first 14 days; after this period there's a £48.16 cancellation fee.. Tesco car insurance doesn't charge a cancellation fee if you cancel during the first 14 days.. If you cancel after this, they charge a £75 fee to cancel.

    You can cancel Farmers car insurance by phone, mail, or in person The Farmers car insurance company could give you a refund if you paid in full at the start of the policy To avoid a fee, set up a cancellation date. But how do you cancel a policy at the Farmers car insurance company?. You can cancel Farmers auto insurance by contacting the insurance company by phone, mail, or contacting your Farmers agent.. Step #1: Contact Farmers – To cancel by phone, call Farmers auto insurance customer service at 1-888-327-6335, or call your agent.. You can’t use the Farmers insurance cancellation fax number to cancel unless directed by an agent.. Farmers auto insurance does not penalize customers for canceling auto insurance.. For example, if you cancel your Farmers insurance five months into a 12-month policy, you’ll only receive seven months in Farmers auto insurance rates.. If you cancel your car insurance too early, you’ll create a coverage gap, which drives up your car insurance rates in the future.. Call the Farmers Insurance Company at 1-888-327-6335 and let them know you want to cancel your renters insurance.

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