Bunch of robbers. As with most companies, everything is great when you signup - the problems start when you need to make a claim, or if you need to cancel your policy - it's then that the hidden charges and obstacles appear. 1st central are probably one of the worst companies I've ever had to deal with, it clearly states on their website that it's £50 to cancel your policy - however when you actually go ahead and do it - it costs closer to £150, with the standard retort being - it's in the T/Cs, of course the misleading FAQ and website says it's simply £50. Their customer service people are pretty awful too - I wish I'd stayed with direct line, far clearer - no hidden fees or charges.