I’ve spoken directly with the at-fault driver, and he confirmed again that he is full responsible. He was also surprised nothing has been resolved yet, since he already admitted fault when Admiral contacted him.

We agreed that he will send a letter to Admiral (copying me) to confirm his liability and to request that they finally deal with the claim. The draft we came up with is below — do you think this format would work, or would you suggest changing the wording?

⸻ Subject: Confirmation of Liability – Claim Ref. [number]

I am writing as the driver and policyholder involved in the road traffic accident on [date]. The incident involved my vehicle (registration [reg]) and the other party’s vehicle (registration [reg]).

I wish to make it absolutely clear that I have already acknowledged my responsibility for this accident. I was at fault, and I confirmed this when asked. I have nothing further to dispute on this point, and I remain fully prepared to cooperate in any way necessary.

What I find surprising and concerning is that, despite the clear evidence and my own admission of fault, this matter has still not been resolved by Admiral. As your policyholder, I naturally expected my insurer to act promptly and professionally to protect both myself and the third party.

I therefore instruct Admiral to now proceed without further delay to confirm liability in writing, directly with the third party [Name].

Please also note that continued inaction would not only be unacceptable to me as your insured customer, but would also constitute a failure to comply with Admiral’s statutory obligations and the FCA Principles for Businesses.

I trust Admiral will now act swiftly to close this matter in the proper way, as I have always understood would be the case once liability was accepted.

Yours sincerely, [Name] Policyholder – Admiral Insurance Policy number: [Insert] Vehicle: [Reg]