Although admiral were cheap for me on one of the cars, when I rang to change the policy I couldnt get anyone in the call centre with more than a single ameoba rattling around in their skull.
I wanted to change the vehicle to a Kuga with a few of the standard "packs" that Ford have as factory options. They couldnt get their head round the fact that these were factory fitted standard components, and wanted a full list of every change the "packs" I had added contained. This was quite ridiculous, as some added things like tinted windows and a glass roof. They added the tinted windows as a modification but the glass roof they didnt need to make not of - even though the glass repair part of the policy includes the roof if fitted... Wheels, xenons, keyless - all sorts of different bits.
After losing my rag a few times trying to explain these were parts of the standard car you get from Ford I told them it had machine guns behind the headlights, automatic spikes that came out of the tyres, rocket launchers in the roofrack rails and an automatic smokescreen and oil slick deployed from the rear, and hung up. Still dont know whats insured and whats not. Juts made sure it says Kuga Titanium X on the policy and thats enough for me, as the titanium X covers all the bits, as its the words titanium and X that are the packs.
Renewal time comes round in a couple of months on that car, and Admiral can shove it up their ring. Absolutely useless.