I am now in my third and very last year of using this insurance company. I first insured my car in 2013 because the price seemed resonable. The second year, it was reduced become of no claims, points etc. However on the 3rd year it went up by £650 for the year. I called to complain and see what the reason was. I was offered no valid explanation and due to my busy schedule I left it at that. Finally. I am involved in a non fault accident. The third person accepted liability and passed on their details. All insurance details of the third party were passed to 1st central and they done very little to trace the insurance company and instead told me I would have to claim my own insurance and pay a £1000 excess. At this point I decided I would never use this company again.