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just pray you never need to claim lol. Lots of reports of late where they dont put you on the database for months, dont supply certificates, dont really do much in the event of a smash etc.
You get what you payfor.
I'm with Sky (I believe they are advertisers here) and they sorted an ace deal for our two cars... a good 25% cheaper than Admirals multicar had gone upto. I shall be staying with Sky for the 182 as their claim service is excellent