I inherited my dad's car and instead of using Directline who my old car was insured with, I foolishly chose Admiral and applied online. They later phoned and after an hour persuaded me to add my husbands car when his insurance ran out, which wasn't until 352 days later, but I had to pay then. What they didn't tell me is that they removed my protected non claims bonus, and placed it on his, which was already insured on his current insurance, so I've been driving around thinking I had protected no claims bonus, when they'd put it on his car, which was still covered by his Directline insurance, and was only going to be on the Admiral Insurance for 13 days at the end of my first years insurance with Admiral!!! I only found this out yesterday. Today I've told their Indian call centre lady to cancel my insurance totally, and I've gone back to Directline where both my husband and I get protected non claims bonus on our cars and we're both named drivers on each other's. Directline were no more expensive, seem to have English call centres and include Business Use as standard. It's been an expensive lesson to learn with the cancellation fee, but I will certainly never ever use Admiral again, and I certainly wouldn't recommend them to anyone, I'm just thankful I didn't have an accident in the four months I was with them, I wasn't prepared to just cancel my husbands insurance with them, as quite frankly I lost all confidence in them and wanted nothing more to do with them.