Had my policy cancelled with no notice either by phone, email or letter. I’d failed to login into the portal after a text instruction asking me to do so requesting for “information” (sounds harmless enough right?) I was so busy with work and caring for my terminally ill father at the time I figured that if it was important they’d get in touch with me directly. They did after all, have my details. However I received an email on the 13th October informing me that my insurance had been cancelled on 20th September due to failure to comply with their terms and conditions for not notifying them of SP30 (speeding) points and was ordered to pay a cancellation fee £176.61. I was shocked. No duty of candour protocols followed?! You’d expect such a serious action would come following expressed written warning or at least a heads up of the severity of the situation!? Nothing. No email, No text, No phone call, No letter….NOTHING!!….other than the email received on the 13th October chasing me for the payment (which I made) of the fine. 21 DAYS AFTER THE POLICY HAD BEEN CANCELLED BY THEM!!!!???? My father had died 2 days after my policy was cancelled on the 22nd September and unbeknownst to me I was driving an uninsured vehicle for all those days!! (21 days) I explained this to them on the phone and they didn’t care. I was treated like I was some kind of criminal! They think because they’ve set up a “convenient online portal” for you to login, check and see your status and messages that some how this exempts them from basic protocols of human decency, behaviour, duty of care, customer service or professional candour. They did use my details in contacting me in chasing payment of the fine. Email and phone call on 13th October but didn’t think to extend me the courtesy to use those details to warn me in advance of the heinous actions that they took putting me and my family in danger of driving a uninsured vehicle. I’ve been driving and insuring cars for 28 years. In all that time I have only claimed on an insurance policy once. Never before have I been treated so shoddily, especially at such a sad and difficult time for me personally. Additional irony here is my dad was a retired high ranking police officer. I’m very angry with this company and have insured vehicles with them before. I have 4 cars and a commercial vehicle. They won’t get a penny from me ever again! I hope someone from 1st central insurance reads this and ask some serious questions about how such an injustice could possibly occur? Because in my mind it rails against all commonly regarded rules of fair play. These people have the moral code of school yard thugs and I (just like my dad did) hate bullies!