This Company should be avoided at ALL COSTS. I changed my car insurance to them on 1st November 2016. I have many years no claims and have never had an accident,only a couple if idiots driving into me whilst stationary. On 4th November 2016 the weather was dreadful, I was driving carefully but hit a pool of water and spun across three lanes and ended up in a ditch. No one else was involved and I was told that I was lucky to be able to walk away with a few injuries. The car, my pride and joy an SLK 350 was written off. The people who helped me escape from my car and the Police said that I was unfortunate and that it could have happened to anyone. Indeed it seemed to happen to everyone that day. The Police took me home and every minute a report was coming in about cars coming off the road, overturning etc. etc. down to the weather. Although I only had been insured with this Company for a few days, I did not see any issues. Well how wrong I was; It takes forever to get through to them (circa) 40 minutes, they never come back to you, they never give you an update, they tell you your car is one place, then another when in fact it did not go anywhere. They claim they give you a hire car but this is only if your car can be repaired and only if the garage has one. Therefore, I have had to pay out myself for a hire car. After chasing for three weeks I finally find out that they are NOT going to settle as my rear tyres were defective. This is not true and the car had a valid MOT, was well maintained etc. etc. They have refused point blank to take into account any of the above. As a result I have lost the cost of my car insurance, £1,000 for a hire car and the value of my car - £12,000. In addition they have not returned some valuable items in the car or reassigned my private plate worth £600.00. No doubt they have already sold these on as well as scavenging, alloy wheels, leather seats, sat nav... etc. I am just about to lose my job and as my employer is going into liquidation I will receive no notice pay, no holiday pay and no redundancy pay. Without a car I cannot find another job. Therefore, thanks to 1st Central I have nothing left, i WILL NEVER BE ABLE TO GET INSURANCE and its not worth living - BEWARE, 1ST CENTRAL WILL MURDER YOU!