So if you don’t have access to terminal… how else would you create an admin account? Is that the only way to do so?
I’ve struggled with this as well today 
basically you create a file of your username : chrisgwynne
and put it here: in user - accounts:
user/accounts/chrisgwynne.yaml
see more here:
http://learn.getgrav.org/admin-panel/introduction#creating-a-user
Thank you @ameo that worked brilliantly.