Bad company. Will find all sorts of reasons to add fees and charges. Customer support incredibly rude and seem to make it up as they go along. I had a monthly contract with 1st central for my car insurance ). After two months they believe they found a mistake on my initial application. I declared a claim from 2019 as not my fault (my car was hit and the other driver left the scene) but they believe its my fault and have ‘corrected’ my policy by charging me an additional £138.80 for the year, increasing my monthly payments from £32.61 to £48.509. My no claims bonus was 8-years protected, and unaffected by the claim. Making a new application on a comparison site with the fault as my own to see how much it should affect my premium and 1st central are again the cheapest but are quoting me less than my original policy at only £24.13 a month for the same policy in writing. 1st central were not prepared to compromise when i contacted them but were more than happy to charge me £154.43 for cancelling and starting that other identical but cheaper policy. When asked if it cancelled on the third of sept as that was the next payment date, i was told that would be £175 for a £50 cancelation and £120 for some reason. I cancelled and found another provider leaving me substantially out of pocket. Avoid this company like the vampires they are.