It was easy, to get quote and get the cover. Paid extra for legal cover and Breakdown cover. However, when my car was written off my a drunk driver, while the car was unattended, I could not get an answer on the phone. The police had to get my car towed away, because I couldn't contact 1st Central. The accident happened June last year. Because the police were involved I didn't get the details of the other driver or his insurance company. I was told by the police that my Insurance company would have to ask them for it. Due to Data protection laws they could not give them to me. It was a couple of months before 1st Central applied to the police for these details. To date I am still waiting for this to be settled. Today, I was told that the police have not responded to their request. To be honest I don't really believe that as I have had to continually contact 1st Central for updates. Bearing in mind this is a no fault accident, I was surprised when I received my renewal quote, which is 3 times what I paid last year. When I called to query this it was apparently reduced by almost £300. Still much more than other quotes I have received.