When I first took out the insurance, I had to spend hours on the phone confirming all the details, repeating the process with several different members of the customer service team. It appeared that no one talked to anyone else in the team. Eventually, my policy was cancelled and restarted which seemed to solve the issue. Fast forward 6 months and my new car was written off, reversed into whilst it was parked. The other driver immediately accepted liability. I rang First Central to inform them and was told my only options were to: 1 - transfer the insurance to a new vehicle. I cannot do this as the country is in lockdown and a cannot buy a new car. 2 - pay out the remainder of the insurance 3 - pay the cancellation fee of £75 As you can see, my options were limited and hands tied. No matter what I did, First Central would be making money out of me and all because someone else wrote my car off. Again, having explained this several times to different members of the team, it appeared that no one communicated it or could solve it. I have have a letter saying I have to pay otherwise the debt collectors will come calling. It seems like there is a lack of sympathy towards the current climates. Ideally I would just pause the account until I can buy a new car but, it seems that this ''isn't possible''. Overall, terrible experience.