When taking out a new policy with Admiral, unless you have opted out, your policy will be set to automatically renew. We do this for your protection as it is a legal requirement to have insurance and to avoid any potential prosecution from vehicles being left uninsured.

You can change your autorenewal preference at any time during your policy term, free of charge, by contacting us online or by phone.

Have you taken alternative insurance from your renewal date?

Please speak to our Renewals Department who will be happy to help resolve your concerns.

Ratings fluctuate across the industry and this can often lead to price increases.

We regularly update our rates to keep them up to date with what we are currently seeing in our claims statistics. This means some rates go up and others go down.

When we calculate a renewal premium, we include as much information as possible and this helps us ensure we are charging a fair amount. These include aspects such as personal details, car details, address and claims history. It is important to appreciate we also try to attach a fair level of importance to each piece of information. Please see the Midterm increases and Admin fees FAQ for more information.

It is important to note:

The price we offered is a quote, which you are under no obligation to accept.

We issue our renewal documents a few weeks prior to the renewal date, to give our customers time to get alternative quotes.

Prior to renewal you can choose to insure your car elsewhere without paying a cancellation charge.

If you remain unhappy, please speak to our Renewals Department who will be happy to help resolve your concerns.

Any change made during a policy term leading to an increase indicates the new information rates higher on our claims information and therefore sees an additional cost to the customer. These could include changing your vehicle, Address or Occupation. Please see the Changing vehicle/occupation/address FAQ for more information.

Did you know?

All changes made midterm include an administration fee. This differs depending if the change is made online or over the phone.

Why do Admiral change Administration fees?

• The reason for this is to help us to keep our premiums low
• We do not include administration charges for possible future amendments in the initial price
• We regularly review these prices to ensure they are fair, reasonable and accurately reflect the cost to us.
• These consist of making the changes, reprinting any documentation, and updating the relevant databases.

We would like to point out that administration fees are not unique to Admiral and other companies may charge administration fees.

Change of vehicle

The Association of British Insurers (ABI), places each vehicle into a suggested group. The groups range from 1-50. A low group represents a low risk and vice versa. We generally follow this structure.

However, while we use the ABI as a guide, we sometimes adjust the groupings based on our own claims experience. This means we will move some vehicles up a group compared with the ABI but we also move some down.

It is also important to note; many other factors can affect the difference in premium between two vehicles. Such factors include modifications, age, number of years owned and value.

Change of Occupation

We base our assessment of the premium to charge any customer on our previous experience of claims for other customers with comparable details. We calculate the premium we charge from a series of detailed statistical models, which study the past claims experience for similar customers.

Our figures show the additional amount we charge for these customers is a true reflection of the increased risk we take on as an insurance company.

• While we cannot explain with certainty why we see this increased risk, the additional premium is purely due to the risk of higher claims costs and no other reason.
• It would not make any business sense for us to quote this higher premium if we had not had the worse claims experience.

Change of Address

We calculate the price from a series of detailed statistical models which study our past claims experience.

Many customers expect the motor insurance premium for any postcode to reflect the crime levels recorded within that area. However, it is important to point out thefts only account for a small number of claims.

Most of our costs are from accidental damage and personal injury claims and our rates reflect this.

When you change your address, your premium varies depending on how far up or down the scale you move. Similar to the grouping of vehicles.

This is because you did not have the box installed within 30 days OR the Plug and Drive device was not plugged in.

We outline this in our terms and conditions.

LittleBox:

If you fail to comply with installing LittleBox within the first 30 days of your policy, either your policy will be cancelled or you will lose any discounts associated with LittleBox.

Plug and Drive:

If you fail to fit the unit within the required 15 days, or we determine that the unit has been fitted for less than 95% of the time, we will terminate this agreement, and either revert your policy to a standard Bell policy, in which case any discount will be removed, or cancel your policy outright.

Low Driving Score (Bottom 5%)

If your overall driving score is amongst the bottom 5% of customers after any 60 days of continuous monitoring, we will contact you to advise you that driver improvement is needed.We will offer support to help you improve your score, via email guidance indicating which areas of driving behaviour are causing the low score. If you are unable to increase your score to be above 5%, by adjusting your driving behaviour, within 30 days, we will cancel your policy. If this occurs, we will give you seven days' notice of cancellation in writing. If you make sufficient improvement in your score your policy will continue as normal. Should your overall monthly score dip into the bottom 5% again you will receive another warning and will need to increase it to above the bottom 5% within 30 days, or you will face cancellation as outlined above.