Terms & Conditions

Terms &Conditions (T&Cs) 

By using this website, you agree to the following terms and conditions. Please read them carefully. If you do not agree to these Conditions of Use, then please refrain from accessing or using this website. 

In these Conditions of Use ‘our’, ‘we’, ‘us’ means the following companies together:  Able Insurance Services Limited; Admiral Group plc, Admiral Insurance(Gibraltar) Limited; and any named preferred supplier.  

About us 

Admiral Pioneer a trading name of Able Insurance Services Limited, an Admiral Group plc company. Our offices are located at Ty Admiral, David Street, Cardiff,United Kingdom, CF10 2EH (Company Number 02890075). 

Able InsuranceServices Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No: 311649). Able Insurance Services Limited is entered in theFinancial Services Register; this can be confirmed at www.fca.org.uk/register
Able Insurance Limited is an insurance intermediary responsible for arranging and administering your policy on behalf of Admiral Insurance (Gibraltar)Limited, Po Box 575, First Floor, 24 College Lane, Gibraltar.  

Legal exclusions and limitation of liability 

We take care to ensure that the information contained in this website 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, 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 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 including these Conditions of Use. Any changes to these Conditions of Use will be posted on this website and by continuing to use this website following any such change, you will signify that you agree to be bound by the revised Conditions of Use.  We can give no warranty that this website 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 is available at all times, we shall not accept any liability for any losses incurred as a result of our website being unavailable for any reason, at any time or for any period. We have the right to suspend access to the website 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 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 

Able Insurance Services Limited is the relevant data controller entity responsible for collection and processing of personal data("we",“us”, "our") is the data controller of any personal data that is provided to us. We will use and process personal data in accordance with data protection laws.  When you provide us with personal data about a person other than yourself you must inform them that you are providing their personal data to us and refer them to our Privacy Policy.

To provide our insurance related services, we will collect and process personal data such as name, contact details, identification documents, financial information and any information which is relevant to the Policy. In order to arrange and administer a Policy or handle a claim, we may also need to collector process 'special category data' such as medical history or information relating to health or criminal convictions data. Other than providing insurance related services, we also process personal data for the purposes of fraud detection and prevention and business purposes such as product development and statistical analysis, internal auditing and other general business management functions.  

We may collect personal data directly from you, via third parties and through a number of other sources including third parties such as claims service providers, publicly available sources, and cookies. We will share your personal data with third parties including, companies in the Admiral Group, third parties such as brokers, loss adjusters, our claims service providers, credit reference agencies, professional advisors, and our regulators the Financial Conduct Authority.  

We may monitor or record telephone calls or other communications.  

This Website utilises various cookies, we refer you to our Cookie Policy for additional information. For further information on how we use personal data and individuals’ rights in relation to our use of personal data, please refer to our privacy notice at:https://www.admiral.com/your-privacy-and-securityor contact our Data Protection Officer atInformationRightsTeam@admiralgroup.co.uk or by writing to:  

Data Protection Officer 
Admiral Group plc 
Tŷ Admiral 
David Street
CF10 2AA.  

Corporate information for Able Insurance Services Limited 

Admiral Pioneer is a trading name of Able Insurance Services Limited, an AdmiralGroup plc company. Our offices are located at Ty Admiral, David Street,Cardiff, United Kingdom, CF10 2EH (Company Number 02890075). 
Able Insurance Services Limited is authorised and regulated by the FinancialConduct Authority (Firm Ref No: 311649). 

Admiral Insurance (Gibraltar) Limited is registered in Gibraltar with a registered address as 1st Floor, • 24 College Road, PO Box 575, GibraltarGX113AA: (Reg. No. 85455). Admiral Insurance (Gibraltar) Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No:220858) The subsidiaries listed above may or may not offer products or services on this website. 

Governing law 

The content of this website and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the insurance contract written through Able Insurance Services Limited shall be subject to the laws of England and Wales and the courts of England andWales shall have the exclusive jurisdiction.  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 Conditions of Use or any failure to provide, or any delay in providing, our services through our website 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.  

Trademarks and ownership of the website 

Admiral Pioneer together with its logos are registered trademarks owned by us. Unless otherwise agreed in writing nothing on this website shall be deemed to confer any licence or right on any person to use such trademark 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 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 or any part of it may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way without prior written consent of Able Insurance Services Limited. 

Permission is granted to copy electronically and to print in hard copy portions of this website, solely for the purpose of using the website 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 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 our website, you will need to contact that organisation separately to remove your details from their records. No one may link into this website without our prior written consent.  

Updated: June 2022

Admiral Pioneer is a trading name of Able Insurance Services Limited (Reg no 02890075) and is located at Ty Admiral, David Street, Cardiff, United Kingdom, CF10 2EH.
Able Insurance Services Limited is an insurance intermediary responsible for arranging and administering your policy on behalf of the authorised insurer, Admiral Insurance (Gibraltar) Limited. Able Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA registration Number 311649).