Was involved in my first ever accident the other day, insured with Admiral. 100% not my fault, I was rear ended. Phoned Admiral to see what my options were. Was told I could either claim through them and pay the £350 excess (no, normally the insurer would reclaim that for you); or was given the "special option" since it wasnt my fault of claiming through a "third party company" and not paying anything. The third party option is a ompany called Auxillis (and you can read the horrendous reviews of them separately), which is a hire credit company who makes their profit by lending you a hire car at an extortionate rate. Your name is on the contract, so if the other persons insurer tried to dispute the fault, or dispute the excessive charges, you'll be responible for thousands. Admiral neglected to mention any details about this, or even who the company was - simply that I could use a third party cliam since it wasn't my fault and then I wouldn't have to pay anything. They also neglected to mention that my best option would have been to claim off the other party's insurer, which I ended up doing after some more research. Admiral is great until you actually need to claim, where they become a bunch of filthy liars. Perhaps I'm just clueless and this is the nature of insurance, but you can be damn sure I won't touch Admiral again.