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leo S

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Review of the Admiral, Car insurance:

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Absolutely Disgraceful

Absolutely Disgraceful Experience Absolutely Disgraceful Experience – Insult Added to Injury My car was written off after someone failed to stop at a crossroads. The other driver admitted full liability, so this should have been a straightforward claim. Instead, it’s turned into a complete nightmare. The insurance company’s offer for my vehicle is 25% less than what I paid for it in May this year, despite me having spent over £1,000 improving it since purchase. Their “justification” for the valuation was laughable — they compared my immaculate, well-maintained car to a damaged example with no leather interior, visible corrosion, multiple MOT advisories, and bodywork issues. I supplied every piece of evidence imaginable: photos, service history, receipts, comparable adverts — and their response was simply, “We’re sticking with our valuation.” No explanation, no logic, no fairness. Their only advice was to “go to the ombudsman.” I now find myself unable to replace my car with anything close to what I had. It’s financially crippling and deeply unfair, especially when the accident was entirely not my fault. To make matters worse, the representative I dealt with — Michael, from the Total Loss department — showed zero empathy or professionalism. His tone was cold, dismissive, and almost smug, as if he took pleasure in delivering such devastating news. He should be ashamed of the way he treats people. The whole experience has been utterly disgusting and is significantly impacting my mental health. If this company had even an ounce of integrity or compassion, they’d recognise the human impact of their actions. Instead, they’ve added insult to injury — both financially and emotionally. Be sure to agree a value for your car before insuring or you will be ripped off in a claim situation, regardless of it not being your fault. Reviewed on: 10th November 2025

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