Had an insurance with them almost a year at 900£ per year.Last month i bumped into someone,literally running 3 miles /hour.The stupid idiot claim personal injury as I have taken photos of her car and the car was just fine.I called admiral and inform them and they were nice and so on, however my renewal policy came back at 1900£.called admiral customer service and they told me then that the actual idiot has claimed but they could not be bothered to inform you hence the increase , however they did not dispute the claim as the lady was also their customer :) so cheaper for them to settle.I have not even been asked questions etc , no photos to send , they just decided to give her the money.No medical expertise required. Anyway they drove down my no claim to 3 years from 7, and offered me lastly 1300 ~£ per year. I went online submitted all the information and got a new quote at 680£ providing my 6 penalty points and the claim for which the amount is still secret ( they did not want to tell me what they decided to settle in my name.)