I suspect that those of you that are giving Admiral 4 or 5 stars are basing it on the fact that you got a cheap quote? Admiral are hopeless in the event of a claim: Poor Payout - Bottom book values that they will not negotiate with you - you will end up out of pocket. Even if the claim is via a 3rd party and not your fault! Poor customer service: Rude arrogant and incompetent staff. Bullying tactics are used. Particularly when they have collected your car - that you cant get back.... Ive been waiting 8 weeks for a payout. No car, no money, no courtesy car. They are pathetic. Please avoid. You wiull be glad you did if you are unlucky enough to need to claim.