1st Central reviews
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1st Central reviews
Verified businesses always have up to date contact details and can respond to reviews.
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FCA approved and regulated
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Award winning organisation
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Fully digital service with no in-person branches
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On-line application and approval process
Review summary
People rate this company as Poor based on 1,004 product reviews
Wondering how this rating works?
This score is generated using our own unique scoring method. It combines the 1-5 star ratings left by verified reviewers, when those reviews were submitted and other meaningful data from the reviews.
Across our website, we use the same consistent method and scores which update in real time as new reviews come in.
1st Central’s car insurance often starts cheap but quickly piles on fees and hikes premiums after the cooling-off period. Many found claims handling slow and unhelpful, with poor communication and rude staff adding to the frustration. While some praised the easy setup and low initial price, the hidden charges and terrible customer service left most regretting their choice.
Positive themes
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1st Central’s car insurance is easy to set up with competitive initial prices. (24 mentions)
Negative themes
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They hit you with unexpected admin and cancellation fees after sign-up. (24 mentions)
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Claims handling is slow and poor with little communication or support. (8 mentions)
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Customer service is rude or unhelpful; calls often dropped or ignored. (8 mentions)
About 1st Central
1st Central is an award-winning, UK insurance company.
Launched in 2008 in Haywards Heath, today 1st Central policies currently protect more than 1.4m people across a range of products. You can get a quote and manage your policy online.
1st Central provide car and home insurance policies. You can also get breakdown cover and personal accident cover.
1st Central at a glance
Reviews for 1st Central
Showing 11 of 1004 company reviews • Last reviewed within 7 days
Unfair charges, blocked cancellation & credit damage
Policy FPM6028221297FC – Unfair charges, blocked cancellation & credit damage I took out a policy with 1st Central (policy FPM6028221297FC). When they asked for NCD... Policy FPM6028221297FC – Unfair charges, blocked cancellation & credit damage I took out a policy with 1st Central (policy FPM6028221297FC). When they asked for NCD proof I uploaded it promptly. They then changed my declared 3 years NCD to 2 years, imposed an extra £99.35 (including a £50 admin fee) without my agreement and presented it as a done deal. I immediately objected and on 21 July 2026 emailed asking for the policy to be cancelled straight away. Their reply took almost a week and was unclear. The online cancellation system would not complete unless I first paid the disputed amount – an unreasonable barrier. Because of the unagreed charges and poor communication I cancelled the Direct Debit. They cancelled the policy on 18 August 2026 for “non-payment”, demanded £113.59, closed my formal complaint after a manager’s call was disconnected mid-discussion with no callback, ignored my further emails and reported missed payments to the credit reference agencies. This has damaged a previously well-maintained credit profile and created unnecessary mental and financial pressure. The investigation felt one-sided and pre-decided. 1st Central has used the credit system to recover disputed charges while failing to listen properly or resolve the matter fairly. Business ethics and genuine customer care appear absent. I will never recommend 1st Central to anyone – not even my worst enemy. Other customers should think very carefully before dealing with them. I demand immediate removal of the credit markers, write-off of the unjustified balance and a proper response from senior management. Policy: FPM6028221297FC Customer: Gobinda Read more Read less
Cheap price, rubbish service as soon as anything goe...
Cheap price, rubbish service as soon as anything goes wrong. Having to go through the same security twice each time I have the unfortunate occurrence... Cheap price, rubbish service as soon as anything goes wrong. Having to go through the same security twice each time I have the unfortunate occurrence of dealing with 1st central. South African accent is terrible to understand. Clueless staff insistence that they are giving me services, but in reality, I paid for the service. Get your facts straight. Read more Read less
Products from 1st Central
Car insurance
by 1st CentralWith 1st Central, you can insure a single car or opt for a multicar policy. There’s also a telematics policy. As standard, you get up to 90 days free cover...
Car insurance
by 1st CentralWith 1st Central, you can insure a single car or opt for a multicar policy. There’s also a telematics policy. As standard, you get up to 90 days free cover...
Breakdown cover
by 1st Central1st Central offer breakdown cover, provided by the RAC. You can choose from five levels of cover: RAC Roadside Only, RAC Roadside + Recovery, RAC Roadside + At Home, RAC...
Breakdown cover
by 1st Central1st Central offer breakdown cover, provided by the RAC. You can choose from five levels of cover: RAC Roadside Only, RAC Roadside + Recovery, RAC Roadside + At Home, RAC...
Personal accident
by 1st Central1st Central Personal Accident Cover provides protection for anyone in the car, including the policyholder, named drivers and any passengers. Cover is up to £60,000 for people over 16 and...
Personal accident
by 1st Central1st Central Personal Accident Cover provides protection for anyone in the car, including the policyholder, named drivers and any passengers. Cover is up to £60,000 for people over 16 and...
Home insurance
by 1st Central1st Central home insurance provides cover for contents, buildings or both combined. You can add additional cover to a 1st Central home insurance policy including accidental damage, home emergency cover,...
Home insurance
by 1st Central1st Central home insurance provides cover for contents, buildings or both combined. You can add additional cover to a 1st Central home insurance policy including accidental damage, home emergency cover,...
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