Timing out is definitely the simplest, least cost solution. It worked for me. Each case is different and you need to find things to challenge and spot the mistakes they make. The key point being that Admiral do almost nothing to reduce the cost of the claim. Doesn't matter in a normal claim but it sure as hell does when they expect you to pay it.DepressedDad, dmiral may well have a case, which is why I am advocating timing it out rather then pushing for court! But equally if Admiral went to court and lost it would be awkward for them going forward.
That is why I think they will rely on pressure to make people cave in and hope that the fear of court keeps people paying up.
Court is the last resort. In larger claims you can get stung for their costs if you lose. It also needs heavyweight legal help to fight a big corporation. It's a high risk approach.
Small Claims court expects you to have tried everything to resolve the case before submitting a claim. In my opinion Admiral will find it hard to prove they have acted in your best interests.