Quotation is not accurate, I applied from online and the initial quotation was £2,000. However when the agent called me they said the amount became £2,600. In Addition, from online there is a field in which you can choose for the voluntary excess so I only put £300, but when I got the certification the total excess became £3,000 which is more expensive than my car (my car cost £1,600 only). I called your hotline and they said the £3,000 total excess is required. In this case you should have not put a voluntary excess field in your online and just put the required £3,000 excess so that everybody will know it before they pay the insurance. One of my friend has a car insurance from Admiral and his total excess is only £300 and that's what he choose from online of Admiral. He is also a new driver like me.