I lived abroad for 5 years (after having had a licence in the UK from the age of 18).. I'm now 34. Never had an accident and have only had a one speeding ticket (in 2009). After answering questions as honestly and as I thought applied to me they've decided I was misrepresenting information! Totally untrue, after explaining the situation, providing ALL the information they requested and sitting on hold for what is a couple of hours in total they VOIDED my insurance. I guess you get what you pay for, inept customer service, missed call-backs and people constantly "dropping calls" in their call centre. They have now made it very difficult for me to get insured as I have to declare a voided policy. Like most insurance companies I guess, rob you via an extortionate premium then weasel their way out of paying/cover via any means they can. Can't recommend them, yes I misread some of the questions all in good faith... then provided a perfectly valid explanation and proof to back EVERYTHING up... they weren't willing to listen. Needless to say, a larger more professional insurer has insured me with no problem... yes it's more expensive but you get what you pay for I guess. With 1st Central I paid peanuts and got... well, you can figure it out.