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1st Central reviews

1st Central Logo
Rated Poor 1.54/5

1st Central reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business
Last reviewed within 7 days
  • FCA approved and regulated
    FCA approved and regulated
  • Award winning organisation
    Award winning organisation
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • On-line application and approval process
    On-line application and approval process

Review summary

People rate this company as Poor based on 913 product reviews

Average score of 1.54/5
5 star
12%
4 star
5%
3 star
2%
2 star
2%
1 star
79%
Reviews for 1st Central have trended positively over the past 90 days

Latest positive rating

5/5

Very pleased with quote I received and they were ver...

Very pleased with quote I received and they were very helpful

Car insurance
Verified source 5th May 2025

Latest negative rating

1/5

Financially exploited by this company.

Financially exploited by this company. Will never use them again. Paid them in full approximately 800 to be subsequently told by them I needed to... Financially exploited by this company. Will never use them again. Paid them in full approximately 800 to be subsequently told by them I needed to pay a further approximate 500 for car insurance. They waited for the legal cooling off period to end before requesting additional documentation which I found quite suspicious for example my logbook!!!! First time ever in all the years of taking insurance I've been asked for this. I've requested a refund but was told they will look at my claim and will take 8 weeks for them to respond. I'm definitely not letting this go and will be seeking legal advice Read more Read less

{"display":"Tree s","full_name":"Tree s","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1216486.png"}}'s avatar
Car insurance
Tree s 9th May 2025

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

Contact details

Phone
0333 043 2085
Social media

Reviews for 1st Central

Showing 11 of 913 company reviews Last reviewed within 7 days

Financially exploited by this company.

Car insurance 9th May 2025

Financially exploited by this company. Will never use them again. Paid them in full approximately 800 to be subsequently told by them I needed to... Financially exploited by this company. Will never use them again. Paid them in full approximately 800 to be subsequently told by them I needed to pay a further approximate 500 for car insurance. They waited for the legal cooling off period to end before requesting additional documentation which I found quite suspicious for example my logbook!!!! First time ever in all the years of taking insurance I've been asked for this. I've requested a refund but was told they will look at my claim and will take 8 weeks for them to respond. I'm definitely not letting this go and will be seeking legal advice Read more Read less

Rated Terrible 1/5
Read more product reviews

Terrible company. AVOID!!!!!

Car insurance 8th May 2025

Terrible company, charged additional fees saying additional driver had fault claim. Asked for evidence which was provided and won’t accept. customer service based in South... Terrible company, charged additional fees saying additional driver had fault claim. Asked for evidence which was provided and won’t accept. customer service based in South Africa is the worst I have experienced in years. From the other reviews I can see that I am not the only one this has happened to. I have complained and will go to ombudsman but beware in over 25 years driving and with insurance from multiple companies. This is the worst and they will look for other ways to charge extra as you can see from the other reviews. Read more Read less

Rated Terrible 1/5
Read more product reviews
Reply from 1st Central
Hi Declan, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. If you’d like to speak to the team about this process, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. Ashley
9th May 2025
1st Central
  • 1/5

    Disgusting company .

    Disgusting company . Don't except ncd on a van to a car even though they it says they except it from a commercial vehicle took... Disgusting company . Don't except ncd on a van to a car even though they it says they except it from a commercial vehicle took my deposit then they tried to say the ncd are void and they need another 800 quid on tip Read more Read less

    {"display":"James","full_name":"James","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    James 7th May 2025
  • 1/5

    Avoid avoid avoid

    I cancelled my policy last year with them, I now have their solicitors threatening court action as they say I owe £356 as they didn't... I cancelled my policy last year with them, I now have their solicitors threatening court action as they say I owe £356 as they didn't cancel the policy at all. I also didn't sign a credit agreement with them and lo and behold they have an electronically signed copy (I didn't sign this either) Read more Read less

  • 1/5

    AVOID THIS INSURANCE COMPANY!

    AVOID THIS INSURANCE COMPANY. They cancelled my policy without telling me - I was still paying them for my insurance and I only found out... AVOID THIS INSURANCE COMPANY. They cancelled my policy without telling me - I was still paying them for my insurance and I only found out they had cancelled it when I was pulled over by police. I ended up with 6 points on my licence and a £550 fine. Now they’re trying to charge me £57.43 for a cancellation fee, and have threatened that bailiffs will come to my home and my credit score will be affected if I don’t pay. They have called me multiple times chasing the cancellation fee, but never once phoned me about the actual cancellation. Absolutely disgraceful service. Read more Read less

  • 5/5

    Very pleased with quote I received and they were ver...

    Very pleased with quote I received and they were very helpful

    Car insurance
    Verified source 5th May 2025
  • 1/5

    Horrific company.

    Horrific company. Last year we set up a policy with them, the policy analysis team were horrific. They accused us of providing false information (regarding... Horrific company. Last year we set up a policy with them, the policy analysis team were horrific. They accused us of providing false information (regarding a 8 day difference in when my license was obtained) however after speaking to multiple people they realised that I did not provide any false information and it was a system error on their part. Gave them the benefit of the doubt this year and decided to renew (for our own ease, not because they provided the best quote). This year, I have had the same hassle with the analysis team and they tried charging £250 to amend policy details which THEY entered wrong!! Absolutely not. We shan’t be scammed by this company, and this isn’t their first attempt. Cancelled the policy immediately and took up better cover elsewhere with ease. Avoid avoid avoid!! Don’t be fooled by the initial good price, you will pay hundreds in fees. They will insist you call them, and they will try to catch you out for anything they can. Don’t let them bully you in to paying for their ‘errors’… which I’m not convinced are accidents now!! Read more Read less

    {"display":"Ash ","full_name":"Ash ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Ash 1st May 2025
  • 1/5

    Cheap at first, but it will cost you later

    I took out a car insurance policy with 1st Central because it looked like a great deal. However, once they had all my documents, they... I took out a car insurance policy with 1st Central because it looked like a great deal. However, once they had all my documents, they suddenly decided to remove my No Claim Discount without proper explanation and increased my premium by over £380 — including a £50 admin fee. This was done without my consent, and I was told the new amount would simply be added to my monthly payments unless I paid it in full. I was left with no choice but to request cancellation. The whole experience felt dishonest and stressful. There was a complete lack of transparency, poor communication, and no accountability. What seemed cheap at the beginning ended up being a costly mistake. Avoid this company at all costs. Read more Read less

    {"display":"Alvaro G","full_name":"Alvaro G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Alvaro G 25th April 2025
  • 1/5

    AVOID AT ALL COSTS!!!

    I really wish I’d read the small print. This company is a masterclass in hidden fees. £50 arrangement fee just to start the policy, £50... I really wish I’d read the small print. This company is a masterclass in hidden fees. £50 arrangement fee just to start the policy, £50 to cancel, and even £50 to make a simple change. It adds up fast and feels like they’re taking advantage. Read more Read less

    {"display":"Lee","full_name":"Lee","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Lee 24th April 2025
  • 5/5

    Happy Driver

    Great experience got my car insurance straight away and was able to drive it that night fantastic

  • 5/5

    Happy Driver

    Excellent company so easy to deal with and excellent price

    Car insurance
    Verified source 19th April 2025

    Products from 1st Central

    Showing products offered by 1st Central

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