I was in a accident (non fault). I then spent 1 week with no courtesy car although I had a courtesy car on my policy. My Car was later written off and when I bought a new car the insurance premium was ridiculous so I then choose go else where...However 1st central still wanted to charge me my monthly premium even though I didn't have any cars insured on the policy !!! They refused to let me leave and instead told me to pay the remaining of my policy before I am able to leave. I wont go into customer service because honestly they are the worst group of people I have had to deal with. I have spent hours and got no where!! just stayyyyy clear people. Its better to pay that bit extra and have peace of mind!!!