I can confirm that Admiral (and all the other companies under the same umbrella, Bell, Diamond, Elephant etc etc) DO require you to tell them about SAC. We can argue all day as to whether it is right or not for them to do so, but they do want to know. I've been with Admiral for several years and they always ask. Having said that, it didn't make any difference to my premium, not that I noticed anyway, so I wouldn't worry too much. Your's does seem quite high though for a 34year old with a clean license??