Admiral commits £110m towards refunds for motor customers

Car parked driveway

Admiral has pledged £110m towards automatic refunds as motor customers are staying at home and driving less during the UK-wide Covid-19 lockdown.

The £110m forms a part of a £190m coronavirus response package from the insurer, which will also see £80m committed to reducing prices, supporting customers, NHS staff and the local community.

In a letter to customers, seen by PostAdmiral said: “With fewer cars on the roads during the UK lockdown, we’re seeing a reduction in the number of claims coming in. We want to give the money we would’ve used to pay these claims back to our loyal customers in this difficult time.

“If your car or van is one of the 4.4 million vehicles insured with us on 20 April 2020, you’ll get an automatic £25 refund per vehicle.

“You don’t need to contact us or do anything at all at this stage, we’ll be in touch between now and the end of May with more details about the refund.”


In addition to refunding its customers, Admiral has also pledged to waive any motoring claims excess fees for NHS or emergency service workers and to support NHS volunteers by guaranteeing cover for customers using their vehicles to transport people, deliver medical supplies and equipment, or items to people who are self-isolating.

The insurer added that to support its staff, all employees are being paid full salaries at this time and no staff are being furloughed under the UK government funded scheme.

Admiral said that the combined initiatives are equivalent to “roughly a month’s premium income or a third of its 2019 profits”.

Cristina Nestares, CEO of UK Insurance at Admiral said: “During this challenging period, our main priorities have been helping our customers, supporting our local community and protecting the wellbeing of our staff, which is why we have introduced these initiatives to give something back to the customers and communities we serve.

“This is an unprecedented time when people across the country are driving significantly less than before the lockdown, and we expect this to lead to a fall in the number of claims we are seeing. We want to give the money we would have used to pay these claims back to our loyal customers in this difficult time. We have also already reflected this change in driving behaviour in our pricing for customers and will continue to do so.

“The Admiral Stay At Home Refund was launched to recognise the considerable efforts people are making by staying home as much as possible and as a result driving less. Customers don’t have to contact us to receive this, we’ll be in touch with them in the coming weeks to explain how we’ll refund them.

“There may be fewer cars on the roads at the moment, but for many NHS and emergency services workers their cars are vital for them to get to work. At the best of times it’s stressful if you’re involved in an accident, so we’ve implemented new measures to take some of the pressure off and ensure they can stay on the road. We wanted to show our support for NHS workers in all roles; from doctors and nurses to admin teams and cleaners, they are all doing a brilliant job of helping to save lives and keep the NHS running smoothly during this crisis.”

UK insurers have faced calls to return premiums to policyholders in the wake of changing driver behaviour due to coronavirus.

In the US, insurer Allstate led the charge in offering rebates to customers equivalent to 15% of monthly premiums. More than 20 insurers in the country have followed its lead. The Insurance Information Institute estimated that US car insurers will reimburse their customers for a total of around $10bn (£8bn).

  • LinkedIn  
  • Save this article
  • Print this page  

Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content.

To access these options, along with all other subscription benefits, please contact [email protected] or view our subscription options here:

You are currently unable to copy this content. Please contact [email protected] to find out more.

You need to sign in to use this feature. If you don’t have an Insurance Post account, please register for a trial.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an individual account here: