As a customer we looking good service for what we paying to insurance company.With1st cetral insurance company I stay 1 year and they cut my 2 year no claim discount,the reason I report an incident which is normal to every one,some time vehicles are happen small touch,so I just inform them the incident not to made a claim,what happen...it's hidden terms for them cut no claim discount immediately.Who can stop these one way law,they doing what they like..It is not acceptable,I pay for them to cut my no claim discount,that's what I feel.what the benefit me....I not made any claim and they not pay back me...still they doing this worthless...never recommended this insurance provider...sorry.