Very poor. I was hit by another driver and had to pay my excess to get my car repaired (despite not being at fault). Over 14months later and i still haven’t received this money. Today I have been informed this is was “my” excess so I have to claim it from the other drivers insurance, and 1st central have closed my case. I only found this out after pestering for it it to be returned for over a year. In addition the hire vehicle I was given cost me £50 in ridiculous insurance waivers which I cannot claim back. Very unhelpful company who made the experience of being in an accident, a very difficult and unnecessarily costly experience.