Anyone considering purchasing car insurance from 1st Central, beware! Initially, their policies appear to be the cheapest on the market, but they drastically increase the cost once the policy starts. They conveniently wait until a month after your policy begins, just after the cooling-off period has passed, to raise the price. This happens even though they've been provided with proof of your No Claims Discount (NCD), claiming they can only verify some of it. If you try to cancel your policy early, they'll ensure you pay two sets of admin fees, even if you only cancel the extras you've added. Expressing that this is unreasonable will result in their online chat personnel threatening you with debt collection agencies right away. Additionally, if you ask to speak to a manager, the staff often disconnects the call, forcing you to start the process over. This company has been a nightmare to deal with, and I strongly warn anyone considering their insurance. My cancellation cost was £181, on top of the £50 admin fee I had already paid, despite my annual insurance cost being around £480. It has been the worst experience I've had with an insurer in nearly ten years.