I was with 1st central a couple of years ago. Having arrived back from abroad I had no no claims bonus and my credit rating was practically 0. I went on a comparison website and found these guys. The insurance was better than nearly all out there but still very high. After 2 weeks I was asked to provide more details from myself and my wife (partner at the time) They said certain documents weren't enough and my policy received a hike in price. Due to our circumstance we had to keep using them. Now two years on, against my wishes, my wife is with 1st central. A year has elapsed and she has had no issues, until now. She has been asked to prove my first entry to UK. Being a citizen of UK and another European country it's kind of hard to prove seeing as they don't do stamps in passports anymore. We are now waiting for 1st central to hike her policy price up. Keep.in mind it's 2 weeks after her policy has been renewed. I find it disgusting.