What a truly vile company this is. Prior to my home insurance auto renewing on 6 Nov 2021 I wrote to Admiral requesting they substitute one expensive item for another of the same value, after a month I received no acknowledgment or documents. I then wrote to the UK Managing Director Christina Nestares, not unexpectedly I didn't get the cutesy of a reply from her either. The documents eventually arrived after Christmas together with a demand for a further £25 for making the substitution - I immediately rang them and spoke to a charming young lady who removed the item in question and cancelled the additional charge together with the auto renew for next year as I obviously won't be using this disgraceful cowboy outfit again.