I found with Admiral they’re very cost competitive but only for the first year. Every quote I got from Admiral later was way more expensive than everyone else for some reason and it’s not the area we don’t really have vehicle crime here, maybe a spade stolen from the allotments lol. I never had to claim but at least for that first year Admiral were very cost effective
From memory, I was with them for some years and they were still competitive, but I have always run price checks every year and have no hesitation in switching if it’s worthwhile. Thankfully it’s very easy to do so these days.