I had been a loyal customer with Admiral for several years. I thought that they were a professional company. This is indeed not the case and becomes immediately apparrent as soon as you need to make a claim. Please avoid. they are cheap for a reason. The expense will come if you need to claim: Less than bottom book payout - no room for negotatiation. Will not allow you to buy the slavage back - so if you have a car that you want to keep / repair dont let them take it. Good luck getting a courtesy car. Best advice is not to use them. The Ryanair of car insurance. And that unfair to Ryanair.