Avoid Admiral at all costs. The 'satisfactory' reports here are those who have taken out Admiral policies - not the poor customers who have to deal with this Cardiff-based company when something goes wrong and you need to claim. We've just had a leak from a flat above our own in London. It caused damage to walls and ceiling. The buildings insurance paid immediately after an inspection. But when we came to claim on contents insurance, (we had taken out an Admiral insurance, Platinum level), there was an immediate problem. There's a £200 excess, plus a further £500 excess for water damage. Then they sent a rep from a carpet company based in an industrial estate in Blackburn to 'assess' damage. (He did not turn up on the appointed day - then nearly an hour late for a new appointment). After a cursory look, he gave an estimate of just over £1,000 for a quality carpet, which was bought from John Lewis, for £1,700 - I was able to provide original receipts, date of fitting etc. I am now locked in a dispute with them. All they seem to do is refer me to this dodgy company to which they have sub-contracted responsibility. Do not be be seduced by Admiral's apparently low prices. The only thing which counts is what happens when you need them! You can speak to any amount of pleasant-sounding people, but it makes no difference. You will never speak to the same person twice. An utter disgrace...an experience obviously shared by many.