Better Health for All

Admiral Group PLC's core products and services, such as car insurance and loans, have no significant positive or negative direct health impact. The company does not generate revenue from products with established negative health outcomes, nor do its products have direct safety implications or carry health risks requiring specific disclosure. Admiral does not offer health-related products or services that require price accessibility considerations, nor does it engage in R&D focused on health outcomes. The company acknowledges that its business, involving assets like cars and homes, can contribute to climate change and environmental degradation, which are health-harming externalities.

It implements initiatives such as remote inspection during claims and the use of recycled parts in motor repairs to lower its GHG footprint. Admiral has a comprehensive mental health and wellbeing program for its employees, including 30 trained Mental Health First Aiders, 97 Wellbeing Representatives, welfare management and support training for all People Managers, and a proactive health management program. The program also offers webinars and education on topics like addiction, and Admiral Insurance Canada has been recognized multiple times on the Best Workplaces for Mental Wellness list. Additionally, its Affordability team supports customers coping with mental health difficulties. The company is not involved in pharmaceuticals, food products, or clinical trials, and its products do not have addiction potential.

Fair Money & Economic Opportunity

No relevant evidence was found in the provided articles for Admiral Group PLC (ADM.LSE) regarding its performance on Fair Money & Economic Opportunity. The sole article provided pertains to Archer-Daniels-Midland Company (ADM) and does not contain information applicable to Admiral Group PLC's financial services or inclusion initiatives. In December 2022, Archer-Daniels-Midland Company (ADM) was named a "Diversity Leader 2023" by the Financial Times, ranking 15th overall and 2nd in the food and beverages sector

. This recognition highlights ADM's commitment to fostering an inclusive corporate culture, featuring diversity and inclusion within its workforce . However, there is no substantial evidence of ADM engaging in financial services such as microloans or fair banking aimed at underserved communities, which are key criteria for promoting equitable financial services.

Fair Pay & Worker Respect

Admiral UK is a Living Wage Employer, having signed up to the Real Living Wage Foundation in 2023

, with 80% of surveyed individuals reporting they are paid at or above the Real Living Wage. As of April 5, 2024, women's median hourly pay was 7.0% lower than men's, meaning women earned 93p for every £1 men earned. In 2024, 88% of colleagues reported that Admiral is a great place to work. The company's voluntary employee turnover rate is 7%, which is 8% lower than the industry average of 15%.

Fair Trade & Ethical Sourcing

The company reported zero substantiated incidents of modern slavery, which includes forced or child labour, in both 2023 and 2024.

It actively implements prevention programs, including mandatory annual anti-slavery training for employees with a 93.5% completion rate in 2024 and 96.6% in 2023. The company also partners with Slave-Free Alliance and utilizes EcoVadis for supplier sustainability assessments and risk ratings, focusing on labour and human rights. As a financial services company, it does not procure or trade physical commodities, making fair-trade certification and high-risk material sourcing not applicable.

Honest & Fair Business

Admiral Group re-presented its 2023 Consolidated Cashflow Statement and Consolidated Statement of Comprehensive Income.

Its subsidiary, Greentube Alderney Limited (trading as Admiral Casino), was fined £1,000,000 in 2025 by the Gambling Commission for social responsibility and money laundering failures. Admiral Group maintains a comprehensive whistleblowing policy, visible internally and applicable across all entities. 93.3% of employees completing annual training in 2024. All whistleblowing notifications are investigated promptly. Employees can raise concerns internally or with regulatory bodies. The company operates with a zero-tolerance approach to bribery and corruption. It performs third-party due diligence and provides periodic anti-bribery training to employees. A robust framework for fraud prevention, encompassing proportionality, top-level commitment, risk assessment, due diligence, communication and training, monitoring, and reviewing, has also been implemented.

Kind to Animals

Admiral Group is a financial services company, and its core business model does not involve activities such as animal testing, animal agriculture, or the use of animal-derived ingredients. Consequently, most KPIs related to these areas are not applicable. For the 'wildlife_conservation_impact' KPI, while the company has demonstrated engagement in conservation initiatives

, , the provided articles do not include the necessary revenue figures to quantitatively assess its performance against the rubric's percentage-of-revenue thresholds, leading to its omission.

No War, No Weapons

Admiral Group PLC, primarily an insurance provider, has no direct involvement in arms manufacturing, defense contracts, or related activities. Consequently, most KPIs concerning revenue from arms, dual-use technology, sales to embargoed regimes, military safeguards for AI, or controversial weapons exposure are not applicable to its core business. The company has no defense assets to divest, no mineral inputs, and no identified conflict-linked partners or procurement from conflict zones. Admiral maintains a robust Procurement Policy aligned with the Chartered Institute of Procurement and Supply’s (CIPS) Code of Conduct, which promotes the eradication of unethical business practices including modern slavery, indicating adherence to and exceeding humanitarian procurement standards without using military suppliers. While Admiral donated £400,000 to the Disasters Emergency Committee

, the proportion of revenue allocated to peacebuilding initiatives cannot be determined due to a lack of total revenue data. Similarly, specific frequencies for human rights due diligence in conflict-affected areas and verifiable metrics for UN Guiding Principles on Business and Human Rights alignment are not provided.

Planet-Friendly Business

Admiral Group PLC has science-based targets approved by the SBTi

, including a near-term target to reduce absolute Scope 1 and 2 GHG emissions by 70% by 2030 (from a 2021 base year) and investment-related GHG emissions targets to cut by 25% by 2025 and 50% by 2030, aiming for net zero by 2040 for these investments . The company is committed to achieving net-zero GHG emissions by 2040 . Currently, 65% of its energy comes from renewable sources . Admiral purchased and retired 4,022 Gold Standard carbon credits to offset all verified 2023 Scope 1 and 2 emissions, as well as all measured operational Scope 3 emissions . The company includes a Taskforce on Climate-related Financial Disclosures (TCFD) statement in its Annual Report and Accounts, which mentions climate scenario analysis .

Respect for Cultures & Communities

Admiral Group formed 31 strategic partnerships in 2024.

The company has no reported cultural appropriation incidents. Its operations do not involve activities that typically require a cultural impact assessment protocol or Free, Prior, and Informed Consent (FPIC) processes, and no such protocols or processes are reported. There is no specific tracking of indigenous or minority-owned suppliers. The company's business model does not typically lead to cultural site disruptions, and no such incidents are reported. Charitable giving is general, without a specific cultural heritage focus. The company has standard grievance processes for customers and general diversity training, but no specific community-focused grievance mechanisms or cultural sensitivity training, nor a cultural incident response framework.

Safe & Smart Tech

The company has a comprehensive AI ethics program, with a Responsible AI and Data team, and developed a Responsible AI guide in 2024 used across the UK insurance industry.

It implements full coverage encryption at rest and in transit, including tokenization of PII. Users have strong control over their data, including rights to access, erasure, and objection, supported by a specialist Information Rights team. The company demonstrates strong regulatory compliance with UK and EU GDPR, Data Protection Act 2018, and is committed to the EU AI Act. However, data retention periods are lengthy, with basic personal data kept for a minimum of 7 years under UK tax law and closed records for 6 years.

Zero Waste & Sustainable Products

Admiral Group has a target to substantially reduce waste generation through prevention, reduction, recycling, and reuse by 2030, aligning with UN Sustainable Development Goal 12.5.

The company has implemented a "repair over replace initiative" to reduce waste. Additionally, an internal Green Team raises environmental awareness among employees through focused initiatives and a quarterly newsletter.