Painful experience, left out of pocket. Sharp Practice. I found 1st Central Insurance to be the cheapest option during my annual search for renewal of motor insurance. I'd never heard of them, but their reviews looked good. I purchased a motor policy and then the pain started... Having purchased the policy a month in advance, they waited until it was live before sending me an email saying something wasn't right with the information I had provided. At their request, I sent them photos of the front and back of my Driving Licence, then further proof of NCB. After that, they asked for a DVLA check code, which I also provided promptly. The next day, I received yet another email accusing me of providing inaccurate information on the date the Driving Licence was issued. The DL start date on their quote system matched the anniversary (day and month) the policy was purchased, not the DVLA issue date. This was because I had not entered a date, but selected "20 years or more" from a drop-down list on the website. They now want an additional £61, including a £50 admin fee, or they will cancel my insurance. Not good at Christmas time. Tried to cancel the policy, as it was well inside the 14 day cooling off period since the policy became active. No problem they said, that'll cost you £102. Absolute swindle, never again. Update: Policy cancelled. Cost me a packet, but worth it to end my relationship with these crooks. I've just purchased a new policy that cost £10 less and comes with £30 cashback. That takes the sting out their "penalty charges" somewhat. Update #2: They have now charged me an additional £40 for a change to the policy, which they say happened at the same time the policy was cancelled. I have tried to reason with them, but they don't think it's unusual that I would authorise a payment for a change of policy details at the same time as I cancelled the policy. Caveat emptor!