I thought I had chosen all that was required for my home and contents policy. On discussion with an advisor prior to purchase he pointed out that I had included items which were already covered e.g. mobile phones and computer equipment valued at £1000 or less. The result was a reduction in premium which I had already considered to be good value for money. Normally my experience of advisors is that of someone who wants to make a sale and include items to increase the premium to be paid. I cannot express my gratitude enough to the individual with whom I spoke. I cannot recommend Admiral highly enough.