I really did my price comparison shopping and Admiral came up best for price... there is a very good reason. They are pathetic. I am trying to be neutral but they are what they are. When joining a man phoned me back and sold me a couple of cheap little extras, fair enough, but I asked for my mid month payments to be changed to the 1st of each month as my partner and I prefer this. "Yeah that's no problems sir!" yada yada. I'm sure you see where this is going... didn't happen. I assumed it had, mid month they try to take the cash, I didn't have it ( I get paid weekly) letter comes through saying the direct debit has been missed. I phone again, this time a lady who spreads the missed payment over the rest of the policy, changes the date to the 1st and sets up the direct debit again. Phew! Glad that's sorted! I go on my two week holiday leaving £300 in the bank for the payment on the 1st, wouldn't want a repeat of last time.......... Didn't get set up. I call back today actually, (first day back in UK), angry now, as the direct debit is cancelled, they want £360 in a 8 days or it's £46.50 cancellation fee and the outstanding payment that had to be spread and the September payment. It's a D20 they say so you can't just pay the two payments over the phone and be up to date, there is nothing we can do. Utter Garbage. I asked why there was no communication of this issue via email or a phone call. We sent you one on the 8th of September... No you didn't I have my email open... Oh, well sometimes it can go to your portal... Sometimes! Why didn't you send it to my email I have registered? Well, sometimes we send it to your portal... But if I believe there to be no issue why would I check the portal? Sorry that's the way it is Well you know what? If I can stop one poor soul signing up to this incompetent circus that is Admiral then I have not wasted my time. Remember fellow consumers, you get what you pay for.