I must be one of the lucky few who have had a great experience with 1st Central. I have been with them for around 4 years and have been unable to fault their service. I originally moved from Admiral due to the price difference. Everything with 1st Central so far has been so stress free and easy. I am always changing cars and when I do, it costs very little to change the policy (the most I've spent is £40, and that was moving from a Honda Civic diesel, to a BMW 330i). For the first few years I had to call them to make any changes to my policy as you couldn't do it online (you can now). I got through to someone within a few seconds of dialling, spoke to very helpful and polite people and was all done within about 5 minutes. I recently changed my policy through the online portal and again it took about 5 mins, then received my new certificate instantly via email. I can see that a lot of people have had bad experiences with them. I can honestly say that I have never had a problem with their service, however I have never had to put in a claim. So far though I have been very impressed with their service and would have no reason to consider changing insurance companies.