We took out house insurance with them and payed for one year only in advance. Admiral automatically made it an auto renewal policy without letting us know and when the year we payed for ended and no new policy payment was made, they charged a cancellation fee. Seems to have happened to lots of other people online too. I actually tried to pay the cancellation fee when I got the letter but when I called the number I was always put through to someone in India who didn't understand the situation and then hung up. This happened 4 times so I thought it was a scam, especially since I never select auto renewal because they always double the price. Because I tried multiple times to pay, discuss it with someone and was so suspicious it was a scam, I gave up. I've now just had an email through from a debt collector saying I owe money and my credit score has been affected because I haven't payed the fee. Absolute joke. Cheers Admiral for nothing.