Stay away from 1st Central they might be cheap but there is a reason, if you don't make have to claim alls good. I claimed in June for an accident that wasn't my fault, customer service and attitude was disgraceful the existing claims team are rude and uninterested. They only took photos of my car, then from that apparently said it was a economical write off, baring in mind I was still driving the car. Week and a half later they announced the car was unfit to drive, two days later when my son had the car 20miles from home they made an on the spot decision to cancel me insurance. I still had no hire car. Had to transfer my insurance and borrow a car to fetch and drive the uninsured vehicle home. The crunch point was we agreed a price but it wasn't until the day the cheque was released did they inform me that they would be taking a whole years premium in advance leaving me with just £400, not enough money to buy replacement car. Existing claims just laughed and refused to talk to me but confirmed if I hadn't have transferred the policy to another car they would still have taken the money and left me with car insurance for a car that I didn't have!! All this and it was the third party's fault!! I now have no car and no money!! Avoid!!