Updated September 29, 2026 · AssureCue Editorial Team
Admiral Group vs Zego
What sets them apart
| Compare |  Admiral Group | Zego ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Renters, Landlord, Travel, Pet, Van, Breakdown, Home emergency | Auto, Van, Motorcycle |
| Excess from | £99 | £25Lower |
| Cover limit | Up to 10,000 GBP vet fee cover (Lifetime pet insurance) | Third party property damage up to GBP 5m; personal accident up to GBP 5,000; motor legal protection up to GBP 100,000 |
| Claims channels | Online, Phone | App, Online form, Chat, Phone, Email |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Zego scores higher overall: 9.4 vs 9.2.
- Zego is available in 1 more country.
- Excess from is lower at Zego: £25 vs £99.
- Insurance types: only Admiral Group offers Home, Renters, Landlord.
- Insurance types: only Zego offers Motorcycle.
- Claims channels: only Admiral Group offers Online.
- Claims channels: only Zego offers App, Online form, Chat.
Our verdict on each
Admiral Group
Admiral Group suits UK households that want one insurer across car, home, renters, travel, pet, van and breakdown cover, and it is an insurer rather than a broker. Pet excess starts at £99, so cheaper monthly premiums carry a real cost at claim time.
Zego
Zego suits van, car and motorcycle owners who want an insurer that writes the policy itself and keeps the excess low, starting at £25, with monthly payments the only listed model. It is a specialist in road cover rather than a generalist, so anyone also wanting home or travel protection should look elsewhere.
Score breakdown
| Area | Admiral Group | Zego |
|---|---|---|
| Cost | 8.9Pet excess starts at £99 on a monthly plan. | 9.1HigherExcess from £25 on the personal van policy, and monthly payments as the only listed model, spread the outlay. |
| Offer | 9.4 | 9.5Higher |
| Trust | 9.4 | 9.6Higher |
What each covers
| Insurance types | Admiral Group | Zego |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Renters | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Home emergency | Yes | No |
If neither fits
Explorer Travel Insurance has excess from at £0, against £99 for Admiral Group and £25 for Zego.
Explorer Travel Insurance reviewWhat we checked
Admiral Group
- admiral.com: 12 facts, checked September 26, 2026
Zego
- zego.com: 10 facts, checked September 26, 2026
How they place
| Ranking | Admiral Group | Zego |
|---|---|---|
| Car insurance | 97 of 393 | 80 of 393 |
| Van insurance | 10 of 38 | 7 of 38 |
Every fact side by side
| Fact | Admiral Group | Zego |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | EUI Limited (Reg No: 02686904) | Extracover Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1993 | Not confirmed |
| Support channels | Phone, Chat, Email, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Admiral Group | Zego | Median |
|---|---|---|---|
| Excess from | £99above the median | £25at the median | £25 |
Median across 48 listed insurance providers.
Pros and cons
Admiral Group
Pros
- Covers auto, home and renters under one roof, so several policies can sit with one provider
- Pet vet fee cover is Up to 10,000 GBP vet fee cover (Lifetime pet insurance) on lifetime pet insurance
- Support runs through phone, chat and email, and car claims start on online and phone
Cons
- Monthly payments are the only pricing model, so there is no annual alternative shown
- The lowest pet excess starts at £99, which leaves the first part of a bill to you
- Claims on car cover run on online and phone, a narrower set than the phone, chat and email used for help
Zego
Pros
- An insurer, insurer, so the cover is underwritten by the company you deal with rather than placed by a broker.
- A Financial Conduct Authority licence for the UK, 757871, which keeps the contract inside a supervised market.
- The excess starts at £25 on the personal van policy, so a smaller claim costs less to absorb.
Cons
- Cover stops at auto, van and motorcycle, while Euroasia Insurance also writes auto, home and travel.
- The app and an online form are not among its support channels, email, chat and phone; both sit in the claims list, app, online form and chat.
- Payments run on monthly only, so the monthly plan is the single listed way to pay.
Who each suits
Admiral Group
Who it suits
- Seniors, who are a named audience for the brand
- Pet owners wanting lifetime vet fee cover of Up to 10,000 GBP vet fee cover (Lifetime pet insurance)
- Households buying car, home and renters cover from one insurer
Who should look elsewhere
- Drivers who want a broker to place their cover rather than an insurer
- Pet owners who want low excess policies
- Anyone needing health, life or motorcycle lines, which sit outside auto, home and renters
Zego
Who it suits
- Van owners who want the excess kept low at £25 and can settle the premium monthly.
- Drivers and riders who want an insurer, insurer, holding a Financial Conduct Authority licence in the UK, 757871.
- Anyone who would rather open a claim in the app or by chat than wait on hold, app, online form and chat.
Who should look elsewhere
- Home, travel or gadget buyers, since Euroasia Insurance writes auto, home and travel alongside road cover.
- Landlord, renters or home emergency seekers, since Hiscox UK lists home, renters and landlord and Zego's lines are auto, van and motorcycle.
- Readers who want life, health or pet cover in the same place, since Good Sam Insurance Agency lists auto, home and renters.
Current offers
Admiral Group
Current offer
Discount code
10% off travel insurance: 10% off
Buy a travel policy through the Admiral website and use the code ADM003 at checkout
Source, checked September 26, 2026
First period offer
12 months for the price of 10 (pet insurance): 12 months cover for the price of 10
Already an Admiral customer buying a first pet insurance policy
Source, checked September 26, 2026
Bonus
15% MultiPet discount: 15% off each pet
More than one pet insured on the same policy living in the same household
Source, checked September 26, 2026
Bonus
MultiCover discount: Discount for each additional policy
Insure more than one home, car, van or rental property in one MultiCover policy
Source, checked September 26, 2026
Country by country
| Country | Admiral Group | Zego |
|---|---|---|
| Ireland | No | Yes |
| United Kingdom | Yes | Yes |
Questions about each
Admiral Group
What kind of company is Admiral Group?+
Admiral Group is an insurer, which means cover is written by the company itself rather than passed to another insurer through a broker. The legal entity behind the policies is EUI Limited (Reg No: 02686904), based in the United Kingdom.
Is Admiral Group regulated in the UK?+
Yes. Admiral Group holds a Financial Conduct Authority licence, listed as 311649. The company has traded since 1993 under that registration.
Zego
Is Zego an insurer or a broker?+
Zego is an insurer, recorded as insurer, so the policy sits with the firm you apply to rather than with a broker placing cover on behalf of someone else. Good Sam Insurance Agency and Hiscox UK both run far wider line lists, auto, home and renters and home, renters and landlord, while Zego keeps to auto, van and motorcycle.
Who regulates Zego in the UK?+
The regulator named on the licence is the Financial Conduct Authority, and the reference is 757871. That places the firm inside the UK system for insurance providers, with the same supervisory framework that applies to any other insurer selling in this market. Keep the reference with your policy documents, since it is the item to check on the regulator's record.