I am an employee of Admiral. You're all right - avoid this company like the plague! They do rate on speed/driver awareness courses. They also rate on you very harshly if you're involved in a non-fault accident. They say it's your fault for being out when it's busy! Renewals is a huge joke. They up your premiums around 40% every year, and set up auto renewal, hoping you will forget about it being due, and they will charge you the ridiculous amount. Call in and we will give you some discounts, but it will never be lower than last year. Don't buy the car hire, or personal injury or breakdown cover. You will NOT get a hire car, and they will fight you on every injury claim. The breakdown is ok, but very expensive. Admiral is changing their computer systems, and it is very expensive. That's why you pay higher rates. Avoid Elephant, Diamond and Bell also. Their house insurance is terrible also. All of the employees on the phones hate their jobs and how they are treated. They're soon moving everything to India anyhow. Do yourself a favour and avoid these companies. Take it from someone on the inside! You don't want to deal with these people!