I most CERTAINLY would NOT recommend anyone using Admiral; I've been with them for over ten years (about TEN YEARS TOO BLOODY LONG!!) but will be changing provider upon renewal! Their ONLY interest is to get you as a customer but when it comes to claims they will DO ANYTHING AND EVERYTHING to wriggle out of honuring that. ABSOLUTELY AVOID Admiral like the PLAGUE that they are. NOTE: 4 Days ago I posted this very same review with ONE STAR only; if I could have put NO stars I would have - After I submitted my review I noticed that my review suddenly magically has "five stars" - that is MOST CERTAINLY NOT what I posted originally; it has been CHANGED!!