I am still going through a situation, and have empathy with some of the other reviewers. only recently joined 1st Central as they appeared to offer a better price than my previous insurer with equal benefits. I completed the application everything stated was accurate, no issues. I was then asked to provide some documents proof of NCD and V5c form. I uploaded these then within a week got a reply saying I only had 6 years NCD and not 7 years NCD I put in my original application. I thought that was very strange. So I sent an email stating that was not correct and giving the reasons why. No reply other than an auto email stating why they ask for documents. After a couple of days I decided to call 1st central. I spoke to a representative who said that the policy team could not open one of the documents and the accompanying document which was my previous insurers document from a year ago stated 6 years NCD (with NCD protection). I then checked on the account where I had uploaded the documents and they had accepted both documents. I cannot comprehend that if I uploaded 2 NCD evidenced documents and they couldn't open the other why on earth have they accepted (it said accepted by 1st central in my account) a document they cannot open. Do they truly believe I don't know how many years NCD I have, and why did they make no attempt to inform me to upload again so they can check it. But no, their move was to take away a years NCD and ask me to pay an additional charge. I was then asked to send the document again directly to the analysis team confirming the 7 years NCD which I have recently done. Once again complete silence, customer service is non-existent. And then today another email saying they will cancel my insurance if I do not pay the additional charge. I am beginning to believe this is a scam to extort money out of customers. I am hoping this will be resolved and maybe there will be some sensible approach, at the moment I feel totally disgusted with the customer service and the way they ignore correspondence, being a Chartered Engineer if I acted this way with my clients I would lose all credibility. 1st central sort yourselves out.