We had insurance with 1st Central and sold the vehicle and cancelled the insurance. 1st Central did not cancel the policy when we called to cancel and kept collecting premiums for 3 months after the vehicle was sold. Phoned them up and they agreed to cancel and agreed to give us a refund with a breakdown of the refund. We were charged for 270 days of insurance (which is correct) but they charged us the full year's worth of interest!! Explanation was that the system calculated it and nothing they can do. Sure we should only be charged interest for the duration of the contract and not for a full year! Very bad customer service as well because the operator did not want to listen to any reasoning.