Lack of communication , came back from a holiday to find I wasn't insured , no email !! , a letter ? Bearing in mind the only communication I've had with first central is online ? Plenty of emails thanking me for insuring and the perks of getting friends to insure ... Ooooo and just to rub salt in they want £75 off me to cancel my fully paid insurance , I spoke to a lady earlier who told me to email one piece of paperwork through which I did , asked me to ring back in a couple of hour and it would be sorted . Rang back it seems the department I need to speak to isn't open while Monday ! MISCOMUNICATION AGAIN , and not on my part , needless to say I have insured online elsewhere and will follow up with Monday's shinnanigans .... Never go for the cheapest insurance spend an extra £40 , makes the world of difference !