I have only ever been with admiral or bell, and overall i would say they are ok. I have always managed to get a good price out of them for claims, 3 Didn't charge me an admin fee im sure for changing my car, maybe they did and took it off the reduction.

Insurance prices work on statistics, which can play in your favour or be a kick in the nuts, insurance on Dad's 911 is more expensive if he keeps it in the garage instead off in the drive. He only noticed because ever since we had the old school mini the insurace said kept in a garage over night cause it was, never noticed to change that bit of the policy till he was checking it over throughly with the new car and thought be better make sure it was 100%, was a nice shock when the price went down keeping the car in the drive! What that tells us is in our area people who keep their cars in a garage over night are statistically more liklely to claim than someone that dosn't.