So my wife persuaded me that obviously we have too much disposable income so we needed to pay for our daughter's driving lessons, then buy her a car before she had passed so that she could get extra practice. I bought 3 months learner insurance on the understanding that it will expire at the very moment she passes her test. So with her test imminent I trawled the web for full insurance and Admiral came out as the best deal. They have a good online system and a quote was set up so that I just needed to make a payment and the insurance would be taken. So I could minimise the time that the car was uninsured between her passing her test and Admiral's website coming back with a "payment taken - you are insured" message. Well she passed today so I followed the plan. It wasn't quite as simple because their website tried to sell me 4 add-on products which I declined, then I entered my payment details. But the message was unexpected. It was "no payment taken - no insurance - please phone us." Well this was high inconvenient but I had no choice but to 'phone, hoping that the problem was not serious. I guy who answered sounded like he understood my pain, and that this was unusual and he would sort it rapidly. I think he was lying on all 3 points. After going through the details on my quote and my confirming that everything was correct, he finally explained why I had been forced to 'phone: I had refused to buy those extra add-ons, I had not cancelled mine and my wife's car insurance policy so that I could take out a multicar policy with Admiral, and I had not committed to switching my home insurance over to Admiral. Possibly there were other things I had not agreed to buy from Admiral, but I think the guy started to realise as I was politely but confidently declining all offers and so it was pointless. It dawned on him that I just wanted to pay the quoted price for the insurance policy I had selected on the website so that I could quickly and efficiently change the status of our new car from uninsured to insured before some toerag stole it. Rant over.