WARNING DON'T TOUCH "1st Central" WITH A BARGE POLE!!! These people have shown themselves to be bumbling inept buffoons!!!!! Not Professionals. God Help you if you ever need to Claim with them. You cant even get them on the phone, much less make a claim! They are not Competent. Stay as far away from them as you can. I took out insurance with them in Jan 2017. I tried to update my vehicles cover to include Business use for my wife who had changed jobs. I could not get through to them on the phone or contact them via the web. In the end I lost all confidence in them, because if i ever did have to make a claim with them it would be a nightmare. In the end it was easier to go & get another policy and just cancelled with them. At every turn, they have made it all but impossible for me to get any refund for the 4-5 month insurance that I paid up front for. They have mislead me, & mucked me about for months. All I asked for was a refund both in writing & by phone. I complained & they upheld my complaint & apologised but they still won't give me my money back or cancel my policy. Even though I had verbally & in writing told them to cancel my policy. To add insult to injury, they sent me an email threatening to renew my policy & take funds from my credit card, A Card they previously could not refund! Shortly after the renewal notice arrived, they sent me an email saying they were proposing to refund £3.92 for the 4-5 moths insurance. I would love to pay that amount for the best part of half a years car insurance premium! I had to cancel my credit card with Nationwide because they could not, or would not, assure me they could prevent this company from taking money from my card on the pretence of a renewal. This even though, I had complained to them about this matter & still had not received a reply!!! What a carry on!!!! STAY WELL CLEAR OF 1st Central. You may want to reflect on the wisdom of having a Credit Card with Nationwide while you'r at it!! YOU HAVE BEEN WARNED. "Simply Driven" is 1st Central's slogan. More Like" Drive you Simple" if you try to do business with them! Or maybe more apt the company should be know as, "Driven by the Simple" Happy Motoring.