Incompetent and lacking capacity to do the real work (managing insurance claims effectively) You should look at how insurers handle claims. In my case they have badly messed up 2 claims and the subsequent complaints. I think they have staff competency and capacity issues. It has been 1 year since these issues started and honestly Admiral can't seem to do anything right. Issues: - Fraudulent third party claim for over £4000 excess work unresolved. I have provided images of the third party car at the time of the incident showing none of the extensive damages claimed for were present on the car at the time but Admiral have done nothing. -Admiral extremely pressuring me with Copart to give them my car for scrap without explaining that I could retain the car. -Admiral applying the wrong category for write off. Then saying they have corrected when they haven't (which would have got me in trouble with the DVLA). I checked myself and found that they still had not put the correct category on. -Admiral never starting proceedings with third party insurer to recover excess (incident in February 2024). They like sending emails and saying they've done all they can. So you will be without your excess for months. - Admiral complaints team seem to be over burdened. They do not reply to emails or investigate concerns. If they do reply they will not Get your complaint in early so that you can take them to Ombudsman instead. -Admiral privacy team does not provide all phone calls as part of a subject access request. It will be the phone calls that you actually need (the ones where they pressured you or made mistakes) that they will not provide. This is illegal. My premium has increased and I am at least £600 down. Save your money and go to a competent insurer.