Having had my claim ( some 6 weeks later) rejected, I called to discuss. Part of the claim (that categorically was nothing to do with what they referred to as "pre-existing") unfortunately met the biggest road block, so I politely requested to speak with his manager..... In response he used every possible angle to p... me off; his short term memory loss means he couldn't remember his/her name. You would think i was dealing with a third rate insurance company but no, ADMIRAL. Well guess what, I'm sure I would have had more assistance with a third rate company.