Over the last few months I've been charged 130£ in two seperate excess charges. So the first charge came as I wanted to change my policy from personal to business use, I checked on a compare website and it said first central would charge near enough the same as my current policy, so I rang up first and asked why it would then be costing me so much more a month for the new one (when going through their change details service). They said if i wanted to i could just cancel and get a new policy. I did this and was told it'd cost me 80£ just to cancel my policy. Oh well this was still cheaper than what they were quoting me to change my details. Despite pleeding that this change was a requirement in order to drive for a charity I was helping, they didn't change their mind. Stupidly I got my new policy (with business) with first again, as they are annoyingly the cheapest provider. So now my car dies with this plicy and I get a new one. I tried changing the details before buying the car a few weeks ago to see how much itd cost and it didnt seem too bad so i went ahead and bought it. Today I tried again and it wouldnt work. I rang up and they said i had to be over 26 to get this policy, and they must have changed the policy in the last few weeks. Still no concession. I assumed, and they agreed, that as it was their fault for not being able to offer me the change i desired they would not charge me the £50 cancellation fee! Result. Combined with the fact the original car had been scrapped, an I had informed them and DVLA, and they then said I absolutely had to cancel the policy within 7 days. But that was only one of the cancellation fees. They then went on to say that ofcourse I had to pay another fee, of £60. I was so shocked. I wanted to stay with these guys but they wouldnt offer me a policy, and i was still being charged? I asked about just cancelling the direct debit but they scared me into saying that wouldnt end well. I wonder how much of that is scaremongering? Maybe That is the best option. Anyway I paid it as im a wimp and rather not take a multinational insurance conglomerate to court over £60. I just feel defeated. The only thing I can do is leave this bitter review and vow never to use them again. I warn anyone the same. Yeah they're cheap but at any possible way they will mercilessly charge you absurd amounts of money. Also the people on the phone were obviously fed up of my pleading and moaning but they were shocking customer service reps with no compassion. The first woman a few months ago was rather compassionate but these two almost seemed to be mocking me in my missery. Sorry but £120 doesnt come too easily for me!