An Admiral driver hit my car, writing it off, totally his fault, no dispute there. I started a claim with my insurance company, only to have many calls from Admiral asking to claim through them instead. After offering me £500 to swap, I finally gave in an let them deal with my losses. Big mistake! They undervalued my car (no surprise) and even though I kept rejecting it, they would not increase their offer. After creating a complaint, they did not change their minds, even with much evidence from the Internet of how much my car was selling for. They referred me to the ombudsman, washing their hands of me. What transpires is, the finance ombudsman only helps claimants that have a dispute with their OWN insurance, and therefore could not intervene as Admiral was not my insurer, even though legally they can approach me and take on my claim?!! A total loop in the law here with no protection for me whatsoever. Absolutely disgusted. I've lost money from my car write off and my insurance premiums have gone up, even though it was a total non-fault claim. Makes me not want to drive any more. The laws need changing so companies cannot get away with this. They knew what they were doing, so others please take note if they approach you.