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Ahmad Shahwali

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Review of the Admiral, Car insurance:
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I rarely leave reviews, but after the experience I h...

1
I rarely leave reviews, but after the experience I had with Admiral Insurance, I honestly feel people should know how badly my claim was handled before deciding to insure with them. My theft claim went on for more than 7 months and the entire process was extremely stressful, confusing, and exhausting. Throughout those 7 months I received very poor communication and almost no proper updates unless I constantly chased them myself by phone or email. Every time I contacted Admiral, I was told they were “waiting for the file handler to review the case” or “waiting for another report.” Nobody could ever give me proper answers, proper timelines, or explain why things were taking so long. The claims team repeatedly told me they could not do anything and that I just had to wait for the file handler to contact me. Most of the time the file handler never replied to emails or got back to me when promised. Whenever they finally did contact me, I was repeatedly asked the same questions over and over again despite already giving statements and information multiple times. It honestly felt like my case was just being dragged on endlessly with no real progress. The police recovered my vehicle after around 2 months, and at that point I even asked whether I could simply take my vehicle back. Instead of helping, I was told that if I wanted my car back I would need to pay certain costs, but nobody clearly explained what those costs actually were or what options I had. I was then told I had to wait until the investigation finished before anything else could happen regarding the claim or vehicle settlement. So for months I was left without proper answers, without my vehicle, and without any real understanding of the condition of the car or what was happening with it. After more than 7 months of delays and poor communication, I submitted a formal complaint because I felt completely ignored. Only after I raised the formal complaint did a supervisor suddenly contact me and tell me I would receive a final decision by the end of the week. Shortly afterwards, my claim was rejected. The reason given was that the vehicle system showed two coded keys. However, the vehicle was purchased USED and I was only ever given one key when I bought it. Many used vehicles originally come with multiple keys from previous owners, so treating this as proof against me felt unfair and unreasonable. I also found Admiral’s conclusions contradictory and confusing. On one hand they stated there was “no theft-related damage” to the vehicle, but on the other hand they classified the car as a Category N write-off due to “damage sustained.” Despite asking questions, I was never properly told what damage existed, when it happened, or how the vehicle could supposedly have no theft damage while still being written off as damaged. What makes the situation even worse is that even after rejecting my claim, I am STILL waiting for Admiral to send me the terms and conditions or paperwork needed so I can arrange to get my own car back. So after more than 7 months of delays, poor communication, and stress, I am still left waiting without proper answers. This entire experience has been extremely frustrating and stressful. I expected fairness, transparency, proper communication, and support from my insurer during a difficult situation, but unfortunately that was not my experience with Admiral Insurance at all. Based on my personal experience, I would strongly recommend people carefully compare other insurance companies before choosing Admiral. Reviewed on: 28th May 2026

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