I went with Admiral on the basis of a low quote and an apparently good level of cover. From the outset, they seemed to be at pains to tell me about all the things that were excluded and what might invalidate my cover. When I told them (with as much notice as I could) I was having a (relatively small) extension built, they immediately suspended my cover and didn't want to know any of the details. I had to then very quickly find another provider or risk being uninsured. Throughout my (short) time with Admiral I felt as though all the effort and risk was on my part, and none on theirs. I wouldn't go with them again or recommend them to anybody else.