Omg why didn't I read the reviews before using this cheap insurance company. I rather pay abit more then get involved with these idiots. My car was hit by another car. The driver of that car got out and ran away. The police said the car was insured. I checked on the app to see if it was insured and yes it was. I called 1st central my insurance company and they said that they will use my policy as the car that hit me wasnt insured. When I told them that the police said it was insured they changed the story and said no its the wrong registration number.I took a picture of the car so I can't go wrong they tried every way to fool me. They said that I had to pay the exess fee. Which I paid all at once when I took out the insurance. They will do anything not to pay you. They said that I have to pay for a courtesy car when I'm covered for it. It's a nightmare. Please don't go with them. Read the reviews please. Go with good companies like that are well known. I regret it being with them they are scams