Due to a mix up I was charged twice for my car insurance. I contacted the company and they agreed and said the would reimburse... Due to a mix up I was charged twice for my car insurance. I contacted the company and they agreed and said the would reimburse me the overcharge. Despite several protracted phone calls and an email to customer services I still am waiting for a cheque. Not very happy. Read more Read less

In 35 years of using car insurance companies, I have NEVER been robbed/conned like this before! This company comes up as cheap but I can... In 35 years of using car insurance companies, I have NEVER been robbed/conned like this before! This company comes up as cheap but I can now see why, they manipulate everything, then charge excessive fees that are not even realistic £50 cancelation fee, £50 arrangement fee! Do not fall for the cheaper car insurance scam they use like I did. Customer service is rude, unhelpful and unfriendly, customer complaints are exceptionally one sided and just brush everything off. I hope no customer has to experience what I did with these FRAUDSTERS hiding behind a company name. I think it is only fair I explain a little of my case. I had a policy with them already live from July 2025, and recently purchased a 2nd policy with them both cheaper than most other companies. Last year they asked for more info on the live policy and I sent them all the details, no problem. 3 weeks in to the new policy they asked for the same proofs but this time they also wanted a call. I did the required and called them the same day. They asked my job title and I told them SALES EXECUTIVE/ SALEMAN, they said oh you have Chief Executive down (I wish), I disputed this and they said yes, I can see your details as Sales Executive when you quoted through Confused.com but it shows as Chief Executive. Anyway after some back and forth and the lady trying to make me out to be an idiot, she said they would need to adjust my premiums on both policy £107 on one and £105 on the other both had amendment fees of £50 each. They gave me 7 days to make a decision or the policies would be cancelled. I decided to cancel, this is where it actually gets worse! To can the policy that had being running for 22 days cost me £13.28 but £50 cancelation fee and get this a £50 arrangement fee! What exactly had been arranged I do not know! A policy costing £270.11 for a whole year cost me £113.28 for 22 days absolutely criminal, if ever I have heard of unfair fees then this is it. Same with my 2nd policy 208 days cost £95.73 cancelation fee £50, arrangement fee £50 and also personal accident of £15 which surely would have already been charged at inception of the policy! Again the whole policy for 365 days cost £233 unproportionate fees is where this company make their money. Genuinely buyers beware! Read more Read less

Absolutely appalling. I have cancelled a policy with them and they proceeded to issue me a refund. Then they started hounding me with calls that... Absolutely appalling. I have cancelled a policy with them and they proceeded to issue me a refund. Then they started hounding me with calls that I have an outstanding balance and added on a late payment charge. They are just hiding their incompetency instead of realising a member of their staff made an error and take accountability. Embarrassing. I do not recommend. Avoid. Read more Read less

Theyhave received a claims history from previous insurers, which state a single claim in 2023. When I made the application I entered the wrong year,... Theyhave received a claims history from previous insurers, which state a single claim in 2023. When I made the application I entered the wrong year, I sent along a copy of claims history that showed only one claim, but it appears as I gave a second claim date (which subsequently was corrected) they have levied another premium of £175.00. They refuse the information from previous independent insurers and action an error, despite no evidence of a second claim. They offer no positive assistance- stay well away or get ready to go to ombudsman Read more Read less

Worst experiwce in my 35 years of driving amd getti g drivers insurance. They were cheapest on comparison site.. purchased.. then on my policy details... Worst experiwce in my 35 years of driving amd getti g drivers insurance. They were cheapest on comparison site.. purchased.. then on my policy details it had my pass date for driving as exactly 25 hears to the day.. this was incorrect as they initially asked if i had passed my driving licence over 25 years ago, not a date. I called straight away Was on hOLd for 1hr, then person said they cant change the date as its from the dvla. I contacted dvla who said they were incorrect. Its theor system which added the incorrect date. I called 1st central back and they still said they cannot change the date for me as its foxed even though its incorrect.. I then asked for cancellation.. they then said why do i want to cancel whoch firther made me angry.... it was like talking ti robots who were reading from a script Im sure its an overseas line... terrible. I was even charged 25 poumds to cancel. Had not even been 12 hours since i purchased the policy.. avoid avoid avoid, i tho g it was a luck escape as god knows what would have happened of i had to claim. Read more Read less

Feels like a scam – stay away Quoted one price, then after the policy started 1st Central changed things retrospectively, increased the premium and added... Feels like a scam – stay away Quoted one price, then after the policy started 1st Central changed things retrospectively, increased the premium and added a £50 “admin” fee. This is not transparent insurance — it feels scam-adjacent and designed to extract more money after the sale. Judging by the volume of similar complaints online, this is clearly not a one-off. Avoid. Choose an insurer that doesn’t play these games. Read more Read less

I have been with 1st Central for 5 years. This year they put my car insurance up from £26 pcm to £39 pcm, which I... I have been with 1st Central for 5 years. This year they put my car insurance up from £26 pcm to £39 pcm, which I thought was a ridiculous jump in cost, given I have never had an accident or made a claim. I called to see if this was the best price they could offer and the South African gentleman I spoke to went through my details and asked if I wanted to make any changes. I suggested that I would more than likely be doing slightly fewer miles. He put me on hold and came back and said my new price would be £43.84!!! I was not prewarned that the price would or could go up! Since I was now stuck in that situation, I had to go ahead, rather reluctantly. On the 31st December 2025, I received an email saying that I was required to provide them with "a copy of all four pages of my Vehicle Registration Document (V5c) and proof of home address dated within the last three months – for example a utility bill or bank statement." I found this highly unusual as I've previously mentioned that I have been with them for 5 years! I was on holiday, so getting these documents was achieved through extraordinary effort on my part. Nonetheless, I was able to submit them online, on the 6th of January (with the cut-off being the 7th January 2026). I thought no more of it. They took a direct debit for £43.84 on Monday 5th January 2026. However, on 12th January I received an e-mail stating that my insurance was cancelled on the 7th of January 2026 at 00:00 and that I owe them an outstanding balance of £107.23! Please bear in mind I had been driving my car right up until 12th of January 2026, illegally, without knowing I wasn't insured! Upon reading the email, I rang them immediately and spoke to someone named Nouthando, who was most unhelpful and borderline rude. She told me that they didn't accept my letter from SSE Gas as proof of address as it was not a "utility bill", it was, in fact, a credit agreement with SSE to pay my most recent bill in instalments, which had my address, account number a valid date and was printed on official SSE Gas letterheaded paper. I explained that NOBODY told me this and, if they had, then I would have made arrangements to send an alternative. I asked to speak to the manager, and she explained that she had arranged this, and it would take about 2 days for somebody to call me (it is now 7 days later and still no call). She also suggested I e-mail a bank statement, which I did immediately, phoned back and spoke to Matthew, who also told me the exact same thing as the previous operator (Nouthando) and that my insurance would never be reinstated. Again, I asked to speak to the manager, and he explained that this had already been requested and would take up to two days for someone to call me. NO CALL. I haven't driven a car since, and I have NEVER in all my 46 years had car insurance cancelled! I fully intend to take this matter further as it is absolutely, criminally ridiculous. AVOID THIS COMPANY! Read more Read less

Please read the reviews before you get tempted with the initial low fees. They wait until after the cooling off period before an aggressive sales... Please read the reviews before you get tempted with the initial low fees. They wait until after the cooling off period before an aggressive sales person calls up posing as a customer service agent. The objective, to nit-pick on the details provided by you and force you to make changes to your policy e.g. increase your estimated mileage per year with threats that if you do exceed the amount you've put on your application, you will be hit with high fees - something I've never experienced with any other insurer. When you threaten to put the phone down and cancel your policy, they tell you you're now outside the cooling period and will need to pay a high exit fee. So they basically have you over a barrel. Disgusting practice and I can't believe this company isn't being investigated and removed from all comparison sites. Read more Read less

I am another of the many who have fallen for the 1st Central Administrative Surcharge Scam..Basically, after the 14 days they contacted me to say... I am another of the many who have fallen for the 1st Central Administrative Surcharge Scam..Basically, after the 14 days they contacted me to say that they believe some of my details were not right. They put me on the spot on the phone but Basically they tried to claim my named drivers job title was incorrect... I wasn't aware at first of my named drivers exact title was so when I told them what it was they said there would be a charge for changing it. I then confirmed with my wife that no the original details were correct and told them this an therefore not to change anything.. They then tried to still charge me over £90 for a change that was not made and will not give up.. Read more Read less