A very good insurance company – I've been with them all my car owning years (only about 4 – been driving for 15 though). Owned 3 cars and the first 2 I managed to write off – one wasn't entirely my fault as it was black ice and the other I rear-ended my mate's fiance's car.
Both times the process for claiming was pain-free although I had a bit of a debate on the price for the replacement vehicle on the second write-off but that was down to the vehicle itself and not Admiral.
Been very helpful and a good price, each year the premium gets lower – I have a multi-car policy and both prices have reduced on a yearly basis – depsite my 2 previous incidents.
My 3rd car is now going in for repair today as 'some dozy old bint drove into the side of me' (this makes it sound far more dramatic than it actually was as she just kissed the rear side of my car and removed paint) – she claimed complate responsibility and Admiral went and sorted everything out – apparently with the fully comp you get a hire car included and there is legal aid and all that. Only real issue I have is the hire car was claimed to cost me nothing, but I'm now told if I don't pay a crash waiver thing I'll be liable for a £250 fee regardless of who causes the damage – so much for the no cost to me as I suggested it would be the driver who put my car into the garage that would pay but that didn't wash!
I'm well chuffed with Admiral, been very very good for me and I can't recomment them enough.
With just 3rd Party/Fire and Theft you won't get a pay out unless the car is torched or stolen – I've no experience of that kind of insurance, but with fully comp, Admiral are very good.