Admiral Insurance
Compensation from Admiral Insurance
In August 2025, Admiral Insurance announced it would be compensating some customers where it had under-settled insurance payouts for some written-off vehicles, where it had not paid out the correct amount for the pre-accident value of the vehicle:
“As reported in the 2024 financial statements, in line with the FCA’s multi-firm review into UK motor insurance total loss claims valuations, Admiral has conducted a review of its total loss and related processes, considering current practice and customer outcomes in the recent past. Primarily as a result of certain internal processes failing to respond swiftly enough to evolving external factors, including significant volatility in used car prices in recent years, the review has concluded that some action is required in respect of total loss settlements covering the period 2019 to 2024. The estimated incremental claims cost of this action to Admiral (excluding statutory interest) is approximately £50 million (around half of which has been accounted for in H1 2025, the remainder in the previous financial year). For context, the cost represents approximately 3% of motor total loss claims over the relevant period. Admiral expects to begin contacting impacted customers during H2 2025, and whilst noting uncertainty remains, does not expect the final cost of the action to vary materially from that noted above.” (Admiral HY 2025 RNS)
Admiral stated that the £50 million compensation package it had set aside was for approximately 3% of vehicle write-off insurance claims from 2019 to 2024.
Independent Data Analysis
While Admiral has identified 3% of total loss claims as warranting proactive compensation, independent data from industry regulators and claims specialists suggests that a significantly higher proportion of customers may have grounds for compensation if they were to make a formal complaint.
The data below examines complaint uphold rates—the percentage of cases where an independent review finds in favour of the customer and compensation is awarded. These figures are drawn from publicly available regulatory sources and Allegiant’s own case outcomes.
FOS Complaints Data for Admiral
Source: Financial Ombudsman Service (FOS) Business-complaints-data-H2-2024
What it shows: The percentage of Admiral complaints where FOS ruled in favour of the customer (which typically results in compensation being awarded to the customer).
Important note: This data covers all types of complaints made by customers against Admiral and referred to FOS—not exclusively complaints about under-settlement of claims or undervalued vehicles.
| Business Name | Total % of cases upheld |
| Admiral Insurance (Gibraltar) Limited | 43% |
| Admiral Insurance Company Limited | 50% |
FOS Complaints Data for ‘Claim Value’ Cases
Source: Financial Ombudsman Service (FOS), obtained via a Freedom of Information request
What it shows: FOS uphold rates for complaints categorised as ‘Car or Motorcycle Insurance – Claim Value‘—complaints where the customer disputes the amount of the insurance settlement or the pre-accident valuation given for their vehicle.
Important note: This data covers all motor insurers, not Admiral specifically. Uphold rates indicate cases where FOS determined the insurer’s valuation was incorrect and compensation was due.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total |
| 26% | 27% | 29% | 36% | 43% | 37% | 34% |
Allegiant’s Data for Complaints Against Admiral
Source: Allegiant Finance Services Limited internal data.
What it shows: The percentage of complaints submitted by Allegiant against Admiral that resulted in a compensation payout. These are cases where Allegiant assisted customers in complaining about an insurance under-settlement or undervaluation of their vehicle’s pre-accident value.
Important note: Allegiant submits write-off complaints against multiple insurers, and many complaints remain ongoing. This represents a relatively small dataset—as of 04/12/2025, only 34 Admiral complaints handled by Allegiant have reached an outcome, reflecting that this is a recently developed service.
| Win Rate (Admiral awarding compensation) | 32% |
What This Data Suggests
The Financial Ombudsman Service data for ‘Claim Value’ disputes—the complaint category most directly comparable to Admiral’s announced compensation—shows an average uphold rate of 34% across all insurers for the period 2020-2025, with this figure rising to 43% in 2024.
Admiral’s announcement indicates it will proactively contact approximately 3% of customers with total loss claims from 2019-2024.
If Admiral’s total loss claims are subject to similar error rates as the broader motor insurance market—as suggested by the 34% FOS uphold rate and Allegiant’s 32% success rate specifically for Admiral cases—this indicates that the proportion of customers who may be entitled to compensation could be significantly higher than the 3% being proactively contacted.
Based on the available data, customers with Admiral total loss claims from 2019-2024 who believe their vehicle was undervalued may wish to consider making a formal complaint, particularly if they have not been contacted by Admiral regarding compensation. The data suggests that approximately 1 in 3 customers who complain about claim valuations receive compensation following independent review, compared to the 3% Admiral has identified for proactive compensation.
Methodology Note
This analysis compares Admiral’s stated proactive compensation rate (3%) against independent complaint uphold rates from FOS (34% average for claim value disputes across all insurers, 32% for Allegiant’s Admiral-specific cases). The comparison is based on publicly available regulatory data and Allegiant’s verified case outcomes. Uphold rates reflect cases where an independent adjudicator determined compensation was warranted, providing an evidence-based indicator of potential under-settlement rates across the motor insurance industry.
Find out more about Write-offs and your eligibility to claim.
Service Highlights
Questions about our Vehicle write-off Claims Service…
Click below to see answers to common queries.
What does it mean when my car is written off?
A vehicle write-off, or total loss, occurs when your insurer decides that the cost of repairing your vehicle is economical based on its market value before the incident. The insurer will declare it a total loss and provide a settlement based on its pre-accident value.
Can I make a Reclaim if the car accident was my fault?
Yes you can still make a claim. An insurance company treats a claim as a “fault” claim when it can’t get back any of the costs it’s paid out to settle the claim from a third party (such as another driver’s insurer). This does not change the fact that your insurer should make a payout reflecting the true pre-accident market value of your vehicle.
Why do insurance companies sometimes undervalue vehicles?
Some insurers offer a lower initial settlement, assuming the customer might accept it or might not know how to challenge it. This is a point of concern highlighted by the UK regulator, the Financial Conduct Authority.
Even if the insurer increases its valuation, it still may not be high enough when compared to the objective guidance available for valuing vehicles.
I can’t remember the registration of my vehicle?
If you cannot remember the registration of your vehicle, we can still help. Simply enter the details of the vehicle manually and we should be able to find the vehicle and registration for you to continue a write-off claim.
What if I still have finance on a written-off vehicle?
You’re still responsible for any remaining finance payments. The reclaim against your insurer, for potentially undervaluing your written-off vehicle, is completely separate to any contractual agreement you have with your finance company.
Can I make a claim if I was a named driver on the policy?
Unfortunately, in order to make the claim, it would need to be the policyholder of the vehicle and not a named driver. Even if you were driving at the time of the accident. It would still need to be the policyholder who makes the claim
Is the write-off valuation affected by my car’s age or mileage?
Yes, the valuation considers factors like age, mileage, model, and additional features. Allegiant ensures these factors are considered fairly, where that information is available.
How far back can Allegiant go with write-off claims?
Allegiant can assist with claims for incidents up to six years old, making it possible to revisit past claims where recent guidance suggests a higher valuation should have been used. If the write-off is more than 6 years ago, certain time limit restrictions for making a reclaim could apply.
Car Insurance Case Studies
Mr A - Hastings Direct - Audi S4 - £5,845.33
In July 2019, Mr A’s vehicle was written off by Hastings Direct following an accident. The original vehicle valuation was £27,860.
In February 2025, Mr A initiated a claim with Allegiant after reading one of our articles, believing his vehicle had been undervalued. Mr A was absolutely right to pursue this claim. Following our investigative work and representations to Hastings Direct on behalf of our client, we successfully secured an increased valuation in August 2025.
Hastings Direct acknowledged that the original valuation fell below the average of their guide figures. Consequently, they revised the valuation to £32,079.50, representing an uplift of £4,219.50. To account for the time elapsed since the initial valuation date, interest was also applied, resulting in an additional payment of £1,625.83. The total settlement amount was £5,845.33.
This case demonstrates the substantial undervaluation Mr A initially suffered, and we’re pleased that he has now received the true value he should have been paid for his written-off vehicle.
Mr B - Ageas - Alfa Romeo Giulietta - £1641.86
In Oct 2021, Mr B’s vehicle was written off by Ageas following an accident. The original vehicle valuation from the insurer was £2090.00.
In February 2025, Mr B initiated a claim with Allegiant due to believing his insurance undervalued his car. Mr B was correct to believe his car was undervalued. Following our investigative work we issued a claim to Ageas on behalf of our client, which successfully secured an increased valuation in July 2025.
Ageas acknowledged that the original valuation fell below the industry guide figures. Consequently, they revised the valuation to £3,731.86, representing an uplift of £1641.86.
This case demonstrates the substantial undervaluation Mr B initially suffered, and we’re pleased that he has now received the true value he should have been paid for his written-off vehicle.
Mr M - AXA - VW Scirocco - £1,669.73
In March 2022, Mr M’s vehicle was written off by AXA following an accident. The original vehicle valuation from the insurer was £9,750.
In February 2025, Mr M initiated a claim with Allegiant due to believing his insurance undervalued his car. Mr M was correct to believe his car was undervalued. Following our investigative work we issued a claim to AXA on behalf of our client, which successfully secured an increased valuation in July 2025.
AXA acknowledged that the original valuation fell below the industry guide figures. Consequently, they revised the valuation to £11,000, representing an uplift of £1,250. To account for the time elapsed since the initial valuation date, interest was also applied, resulting in an additional payment of £319.73.
This case demonstrates the substantial undervaluation Mr M initially suffered, and we’re pleased that he has now received the true value he should have been paid for his written-off vehicle.
Our Vehicle Write-off Claims Process
We realise that claiming against an insurer may feel daunting. We aim to make the claiming process as simple as possible. Our experienced team will communicate with your insurance company (and where required, the Ombudsman service) on your behalf. We use bespoke technology to ensure efficient claims handling. Throughout the process, we inform you of claim progress using a “stage process”, so you can track your progress easily. Please remember, that you do not need to use a claims management company to make your complaint to your insurer, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
Step 1
Pre complaint investigation and analysis
Step 2
Formal complaint made, where appropriate.
Step 3
Insurer responds with a Final Response Letter
Step 4
If an appropriate outcome cannot be reached, referral to Financial Ombudsman Service.
Our Fees - What You Need To Know
Our success fee is due only if your insurer makes a compensation payout, and is calculated on the amount of the compensation payout
The success fee amount is calculated using a band charging system. There are five charging bands. Each band has a maximum amount that we will charge.
Success Fee Charging Table
| Band | Compensation Payout | Percentage rate the Success Fee is calculated on (including VAT) | Maximum Success Fee in band (including VAT) |
| 1 | £1 to £1,499 | 36% | £504 |
| 2 | £1,500 to £9,999 | 33.60% | £3,000 |
| 3 | £10,000 to £24,999 | 30% | £6,000 |
| 4 | £25,000 to £49,999 | 24% | £,9000 |
| 5 | £50,000 or more | 18% | £12,000 |
Below are examples of how this would work in practice.
| Band | Comp Payout (Lower) | Success Fee (Lower) | Comp Payout (Higher) | Success Fee (Higher) |
|---|---|---|---|---|
| 1 | £100 | £36 | £1,499 | £504 |
| 2 | £1,600 | £537.60 | £9,999 | £3,000 |
| 3 | £12,000 | £3,600 | £24,999 | £6,000 |
| 4 | £30,350 | £7,284 | £49,999 | £9,000 |
| 5 | £55,000 | £9,900 | £100,000 | £12,000 |
If you want to see how much we would charge for a specific amount, please visit our online fee calculator on our fees page.
Please note that the examples in the tables are for illustration purposes only. They are not an estimate of the likely outcome or success fee.
Cancellation Rights
You can cancel for free at any time within 14-days without giving any reason and without incurring any liability. You can communicate your cancellation by telephone, post, email or online.
You can cancel this agreement at any time after the 14-day cancellation period. However, if a complaint submitted by us is successful, the Success Fee will apply in the usual way.
You can cancel by post: Allegiant Finance Services Limited, Freepost RTYU–XUTZ–YKJC, 400 Chadwick House, Warrington Road, Birchwood Park, Warrington, WA3 6AE; (b) by email: helpdesk@allegiant-finance.co.uk; (c) by telephone: 0345 544 1563; or (d) online at HERE.
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A Safe Choice For Car Write-Off Claims.
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Vehicle write-offs can be traumatic. We’re here to support clients through their quest for reimbursement.
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Proven Track Record
We’ve successfully won thousands of claims for UK consumers.
Online Application
Genuine online application process – not just a contact form! Receive an automated decision on whether we can take on your claim
£108 million in compensation - £87 million in cash, £21 million in debt deductions, since 2013
Successfully recovered across unaffordable lending, Scam & Fraud, Car Finance Commission and vehicle write-off claims since 2013