Last month, after a minor speed limit infringement, I elected to attend a Driver Awareness Course instead of getting the points (and I must say it was far better than I thought it would be). So far, so good. Today my renewal came from Admiral quoting £460 (£40 less than last year). So far, even better. Then, whilst glancing through it, I noticed that where it asks "any convictions etc. etc" it now also asks about ‘Driver Awareness Courses’ in the last five years, so I rang them.

My quote increased by £112 - close to 25 per cent. What's the normal minor speeding loading for a 64 year old with a previously clean licence, I wonder? I was told Admiral's view was that just because I hadn't been convicted, I'd still broken the law and was a higher risk. I said in my view I'd had half a day of further driver training and was safer. Through your column I would like to warn others about Admiral, and to thank their greed for saving me a considerable amount of money, as I have now insured with Tesco for £326.