Before setting up your insurance with these people, make sure you know you'll be charged two fees in case you want to cancel. There is a cancellation fee and an arrangement fee. So basically, you're being charged two times for the same thing. Effectively, at this very moment, the cancellation cost is £100 with 1st CENTRAL. Remember this. I haven't checked all documents and especially the small print, but I'm pretty sure it's all there. Thieves are thieves legally these days. Don't count on common sense and decency. You'll not find it here. So another company on my blacklist. Avoid. PS: Btw, when I set up my insurance with these thieves, only some 4 months ago, I got an email containing the "certificate of motor insurance" and a "claim form". I don't remember ever being able to log into my account on their website to be able to see additional documents, and especially the documents describing the fees. I tried logging in so that I can cancel, but I couldn't so I had to use the chat.