1st Central are one of the cheapest providers through price comparison sites and you definitely get the quality you pay for, or rather lack thereof. I don't think I've ever had a phone call with their customer services team that was under an hour long, with at least 50 minutes of that time being spent on hold. Heard nothing from them all year other than the odd email trying to sell me something, then when renewal time came around they emailed me just under a month before the expiry of my current policy, saying that due to a technical error they couldn't renew my policy automatically and I should contact them. I phoned them (another hour long call, around 5 minutes of which were spent speaking to a human) and was told to wait for the renewal pack to come in the post because they had "lost" virtually all the details of my policy. Eventually I emailed them back when it came to a week before the expiry of the current policy with still no sight of a renewal pack, I also requested proof of my no claims at this stage because I was certain by this point that I would never go with 1st Central again. The day before the policy expired I received an email, at 6 minutes past 5, to say that I should call them, the same email told me that their phone lines closed at 5. I still haven't received proof of NCD from them and frankly I don't trust them to send it to me at all, and I can only imagine how awful my experience with them would have been if I actually needed to make a claim during the year I was insured with them. If you want cheap insurance then they're fine, but it's not worth the hassle when it comes to your renewal. Cowboys. Useless.