Picking up my 350Z next week, so phoned up to sort my insurance, did a quote online, admiral were the cheapest, was with them anyway. And they said they couldn't insure me because i was 20, even though i had a quote with my exact details online. I explained the situation, and the guy on the phone said he'd talk to his manager.. waited 30 mins.. no call. Ring the help line, and the message was something along the line of "There has been an emergency evacuation of the building", checked the website and they actually close customer service at 5pm. So i rang up another line that closed at 8pm, they couldn't help, then finally got through to someone helpful and managed to get it all sorted. Just some advice, if you're 20 and considering admiral, do expect alot of trouble, and make sure you have an online quote reference to prove they quoted you! - not that i can complain, as they were half the price of anywhere else, but alot of hassle.