General Conditions of Use

By using this Website (the “Website”) and / or the Admiral Insurance App (the “App”) you agree to the following terms and conditions (the “General Conditions of Use”). Please read them carefully. If you do not agree to these General Conditions of Use then please refrain from accessing or using this Website and / or the App.

By using the App, you also agree to the App Conditions of Use  (which shall be deemed to form part of these General Conditions of Use). If there is any conflict or inconsistency between these General Conditions of Use and the App Conditions of Use, then the App Conditions of Use shall take precedence. 

In these General Conditions of Use 'our', 'we', 'us' means the following companies together: EUI Limited; Admiral Financial Services Limited; Admiral Group plc; and any named preferred supplier.

About us

Admiral is a trading name of EUI Limited (Company Number 2686904). Admiral Loans, Admiral Car Finance, Admiral One and Admiral Money are trading names of Admiral Financial Services Limited (Company Number 10255225). Both EUI Limited and Admiral Financial Services Limited are Admiral Group plc companies. Our offices are located at Tŷ Admiral, David Street, Cardiff, CF10 2EH.

EUI Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No: 309378). EUI Limited is entered in the Financial Services Register, this can be confirmed at www.fca.org.uk/register.

Policy underwriters

EUI Limited arranges the sale of motor and home insurance policies on behalf of other insurers. Further information may be found within the Insurance Product Information document; the insurers underwriting your policy are described in detail on your Certificate of Motor Insurance and within your Policy Booklet.

Ancillary products supplementary to the motor and home insurance product are supplied on a similar basis, except that the insurers for those products may be different to those named above. Details of the product provider of each ancillary product supplied can be found in the relevant sections of this Website and / or the App and within the Insurance Product Information document.

The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. A copy of all our policy documentation is available online and on request.

Motor Insurers' Bureau

Authorised insurers underwriting compulsory motor insurance are also obliged, by virtue of the Road Traffic Act 1988, to be a member of the Motor Insurers' Bureau (MIB) and to contribute to its funding. The MIB was established in 1946 as a private company limited by guarantee for the purpose of entering into agreements with the Government to compensate the victims of negligent uninsured and untraced motorists. For further information please visit http://www.mib.org.uk/.

Commercial use

Use of this Website and / or the App is for non-commercial, personal use only unless contractually agreed with us.

You warrant that any application that you may make using this Website and / or the App in connection with obtaining a quotation for motor, home, pet or travel insurance or for a lending product is genuine and is only made for your own personal purposes of seeking to purchase a motor, home, pet or travel insurance policy or seeking to take out a lending product. You agree to indemnify us in connection with any loss, damage, expense and cost (including legal costs on a full indemnity basis) suffered by us as a consequence of you being in breach of this warranty or otherwise misusing this Website and / or the App. You recognise that it is difficult for us to quantify the losses that we may suffer as a consequence of any breach or misuse by you and you agree that injunctive relief may be the appropriate remedy for us in such circumstances.

Residency requirement

The products and services described on this Website and / or the App are only available to:

• For motor insurance: insuring private motor vehicles within Great Britain and Northern Ireland
• For home insurance: UK residents insuring domestic properties within England, Scotland, Wales and Northern Ireland
• For travel insurance: UK residents requiring travel insurance for trips abroad or in the UK
• For pet insurance: UK residents requiring pet insurance
• For loans and car finance: permanent residents of England, Scotland and Wales

By asking for a motor insurance quote, you confirm that you or any policyholder have a UK address and that you will immediately notify us if you and/or your additional drivers no longer have one.

By asking for a home insurance quote, you confirm that you and any joint policyholders on the policy are UK residents and that you will immediately notify us if you, or any joint policyholders, stop being one.

By asking for a travel insurance quote, you confirm that you and any named persons on the policy are UK residents and that you will immediately notify us if anyone stops being a being a permanent UK resident.

By asking for a loan or car finance quote, you confirm that you are a permanent resident of England, Scotland or Wales and that you will immediately notify us you stop being a permanent resident of England, Scotland or Wales.

By asking for a pet insurance quote, you confirm that you are a UK resident and your pet lives with you at your declared UK address and that you will immediately notify us if this changes.

Legal exclusions and limitation of liability

We take care to ensure that the information contained in this Website and the App is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this Website and / or the App, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this Website and / or the App or the information in it.

This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future financial services legislation.

We reserve the right, at any time and without notice, to revise the contents of this Website and / or the App including these General Conditions of Use. Any changes to these General Conditions of Use will be posted on this Website and the App and by continuing to use this Website and / or the App following any such change, you will signify that you agree to be bound by the revised General Conditions of Use.

We can give no warranty that this Website and / or the App and its content are free from viruses or anything else that has contaminating or destructive properties.

Whilst we take all reasonable steps to ensure this Website and the App are available at all times we shall not accept any liability for any losses incurred as a result of this Website and / or the App being unavailable for any reason, at any time or for any period. We have the right to suspend access to the Website and / or the App and any services provided by us at any time and for any period. It may be necessary from time to time for us to suspend access to the Website and / or the App for routine maintenance or updates.

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us.

Data Protection and Privacy

Any personal information you supply to us via this Website and / or the App will be dealt with in accordance with our Privacy Statement which can be found at "Your Privacy and Security".

This Website and the App utilises various cookies, we refer you to our Cookie Policy for additional information.

Our Privacy Statement and Cookie Policy form part of these General Conditions of Use. Please read these carefully as they set out our obligations and your rights in relation to your personal data.

Corporate information for the Admiral Group Plc

The following companies are registered in England and Wales with a registered address of Tŷ Admiral, David Street, Cardiff, CF10 2EH:

• Admiral Group plc (Reg. No. 03849958)
• EUI Limited (Reg. No. 02686904)
• Admiral Insurance Company Limited (Reg. No. 04080051)
• Admiral Financial Services Limited (Reg. No. 10255225)

The following company is registered in Gibraltar with a registered address as 1st Floor, 24 College Road, PO Box 575, Gibraltar GX11 3AA:

• Admiral Insurance (Gibraltar) Limited (Reg. No. 85455)

The subsidiaries listed above may or may not offer products or services on this Website and / or the App.

Governing law

The content of this Website and the App and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, any insurance contract written through EUI Limited and any credit agreement written through Admiral Financial Services Limited shall be subject to the laws of England and Wales and the courts of England and Wales shall have the exclusive jurisdiction.

We are the owner of all copyright, design right and database rights and all other intellectual property in the content of this Website and the App or have been licensed the right to use and exploit such rights (including but not limited to the text, graphics, design, arrangements and sounds). The content of this Website and the App or any part of it may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way without our prior written consent.

If any of these provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Events beyond our reasonable control

We shall not be liable to you for any breach of these General Conditions of Use or any failure to provide, or any delay in providing, our services through this Website and / or the App that results from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Trade Marks and ownership of the website

"Admiral" together with its logos are registered trade marks owned by us. Unless otherwise agreed in writing nothing on this Website and / or the App shall be deemed to confer any licence or right on any person to use such trade mark and any such use shall constitute an infringement of our rights.

We are the owner of all copyright, design right and database rights and all other intellectual property in the content of this Website and the App or have been licensed the right to use and exploit such rights (including but not limited to the text, graphics, design, arrangements and sounds). The content of this Website and / or the App or any part of this Website and / or the App may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way without prior written consent of EUI Limited.

Permission is granted to copy electronically and to print in hard copy portions of this Website and / or the App, solely for the purpose of using the Website and / or the App to seek a quote or buy products and services. Any other use of the content on this Website (including reproduction for purposes other than those noted above, alteration, modification, distribution or republication) without prior written permission is strictly prohibited.

Links to other websites

In this Website and / or the App certain links, including hypertext links, will lead you to websites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the website to which a particular link leads.

We accept no responsibility or liability for the content of other websites. If you are redirected to another website via this Website, you will need to contact that organisation separately to remove your details from their records.

No one may link into this Website and / or the App without our prior written consent.

June 2024