If my car insurance is cancelled why do I still owe money to 1st Central?

If the amount you have paid (deposit + instalments) doesn't cover the amount charged, then you'll be asked to pay the difference.

When a policy is cancelled, you'll need to pay for the amount of time you've been insured plus any relevant fees such as a cancellation fee.

Also, if the cancellation takes place more than 14 days after the start or renewal date, you won't receive a refund for any additional products purchased such as Legal Expenses or Breakdown Cover, details of our fees can be found here.