1st Central Car Insurance Reviews

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1st Central car insurance reviews on Smart Money People come from drivers like you! You can read these honest 1st Central car insurnance reviews to help you decide which car insurance provider is right for you...and your car! For example, read through our...

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1st Central car insurance reviews on Smart Money People come from drivers like you! You can read these honest 1st Central car insurnance reviews to help you decide which car insurance provider is right for you...and your car! For example, read through our review to find out how good the claims process. And remember, if you've used 1st Central before, you too can write a short 1st Central car insurance review here to help other drivers. Smart Money People is the UK's leading financial services review site. Together, we can help us to increase trust and transparency in financial services.

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315 reviews

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Tried to get my renewal quote

I received my renewal quote, it was a lot lower than expected which was great, I'd just moved house and was messaging them on their live chat, both to change the address and ask what the monthly payments would be for my renewal as the one I'd received tho Read more

I received my renewal quote, it was a lot lower than expected which was great, I'd just moved house and was messaging them on their live chat, both to change the address and ask what the monthly payments would be for my renewal as the one I'd received though my email was the yearly payment.

I changed the address no problem and then asked for the monthly payments for my renewal, baring in mind my new house is a 2 minute drive away from my last one, on a safer more out of the way street, my renewal price has gone from £664.52 to £1184.64.

This is atrocious, I understand the system is going to calculate this all but a £520.22 increase for a street 2 minutes up the road from my last house is abominable.

It very much seems as if the company is using the change of address, even for exceptionally small distances i.e 2 minutes, to drag the prices up.

Reviewed on 21st May 2022
Kane McAllister's avatar
Kane McAllister
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Avoid

Had insurance for 6 months and changed vehicle and quoted rip of price and threat of cancellation charges if I went elsewhere so I did . Every bad review on here is true . Avoid Avoid Avoid

Reviewed on 20th May 2022
alan Pemberton's avatar
alan Pemberton
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AVOID! AVOID!

I took out this insurance in March 2022, knowing it was one of the cheapest. After 20 days, I get an email to review all my details and after 10 days I get an adjusted amount of + £911 (a barbarity). Adding up what I paid + new adjustment after 30 days, Read more


I took out this insurance in March 2022, knowing it was one of the cheapest. After 20 days, I get an email to review all my details and after 10 days I get an adjusted amount of + £911 (a barbarity). Adding up what I paid + new adjustment after 30 days, the value was more expensive than other companies year market renowned, so I decide to cancel and paid in cancellations £220, another barbarity. So I do not recommend this type of insurance company. AVOID!!!

Reviewed on 19th May 2022
Nuno Melo's avatar
Nuno Melo
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Should be illegal to trade like this. ConMenshor

Avoid at all costs there business practice should be illegal I'm trying to go through the Ombudsman

Reviewed on 17th May 2022
Russ Allick's avatar
Russ Allick
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AVOID AT ALL COSTS

They emailed me 2 months into my insurance and asked me to provide extra documentation, very blunt, generic email. I tried to load on the documents to my account, went back a week later and they had disappeared. I tried again, next day they'd gone. I emai Read more

They emailed me 2 months into my insurance and asked me to provide extra documentation, very blunt, generic email. I tried to load on the documents to my account, went back a week later and they had disappeared. I tried again, next day they'd gone. I emailed them, no response but I kept getting rather threatening emails demanding the documents, I was trying! I then got an email telling me my premium had increased by £1350 and i had 7 days to pay. I panicked and called them. They had "evidence" that i had 9-points on my license, an at fault claim, and no no claims discount, none of this was true! I then began a rather long and very stressful investigation, accessing letters from previous insurers, checking my DVLA account and sending in MY evidence to their email address. They repeatedly told me they weren't receiving my documents and I had the pleasure of a further 3 telephone conversations with them. Finally they admitted they had my evidence and reduced their demand to £350 extra. I asked why when i had supplied all the evidence, and they said it was because I hadn't declared my NOT at fault claim and I had 3 points. The average increase for 3 points is 5%, thus amounted to about 75%!. They are a nightmare, will decide they that your premium is too cheap once the cooling off period has passed and do anything to hammer you. I then cancelled my policy and they charged me £133 for 60 days of cover and £150 of additional cancellation costs. AVOID AVOID AVOID!!

Reviewed on 16th May 2022
Robert Williams's avatar
Robert Williams
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AVOID, AVOID, AVOID!!!

I had been with 1st Central for a year with no issues, when it came to renewal they were again the cheapest. The second year of being with them is where the trouble started to happen. Any conversation I have had with them the staff have not had the greate Read more

I had been with 1st Central for a year with no issues, when it came to renewal they were again the cheapest. The second year of being with them is where the trouble started to happen. Any conversation I have had with them the staff have not had the greatest attitude. The day I took my policy out, I called customer services to get my payment date changed to the 1st of each month. When I was on the call I was told that my payment date could only be moved +/-7 days of the current payment date. I was then told that I could call each month to get my payment date changed to the 1st, so for 2 months I did this. On the third month I was told by the customer service assistant that this was the last time they would change my payment date as they occur a fee. I then asked for her to permanently change my payment date to the first as this is the date most suitable to me, to be told again, that no they could not do that and if I wanted to cancel my policy this would occur a fee. If I had known this when I first took out the policy I would have cancelled straight away, instead, I paid an extra £15 a month for 10 months of my policy due to their mistake. My renewal price is nearly double what I paid last year and when I told them I did not want to renew I got hung up on!

Reviewed on 14th May 2022
Megan's avatar
Megan
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Thief's, lack of knowledge and u professional

Trustpilot reviews Trustpilot Thanks! Your review counts. You reviewed 1st CENTRAL Insurance Your review is pending—it may take up to 2 hours to appear on Trustpilot. Learn more Shuhud M 0 reviews GB Rated 1 out of 5 stars Unprofessional, Read more

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Shuhud M
0 reviews
GB
Rated 1 out of 5 stars
Unprofessional, cowboys and thief's
Been with these guys 5 years and every year they auto renew policy when I've told them do not. Hence you get trapped and to leave u must pay a charge. They then claim every year that they have nothing on the system stating that I asked for this, even though I spoke to managers each time.
Aside from this they team is not knowledgeable, they fob customers off and they really show no care.
I only remain with these guys as I find the concept of moving insurance difficult and the auto renewal trap doesn't help.
Would never advise anyone to use these guys, Complete waste of time, Unprofessional, cowboys to say the least. Increased my insurance this year by 500pounds even though there were no accidents or convictions this year and they justify it by saying it 'could be' because of many reasons, but they don't provide a reason and just blame the underwriter

Reviewed on 13th May 2022
Shuhud M's avatar
Shuhud M
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AVOID!

terrible customer service, worst insurance ive ever been with so cancelled and took a hit. would hate to actually need them if i had a accident!

Reviewed on 11th May 2022
Ronnie Dixon's avatar
Ronnie Dixon
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3 months on and they still have my car

Tell your friends and families to avoid this company at all costs. For 3 months + they have had my car and not started the repair. They have give me dates and cancelled on when it is going to be repaired, customers services won't let me talk to a mange Read more

Tell your friends and families to avoid this company at all costs.
For 3 months + they have had my car and not started the repair.
They have give me dates and cancelled on when it is going to be repaired,
customers services won't let me talk to a manger and can't answer any questions.
They are now damaging my mental heath as I suffer from anxiety, and worried if
I will get my car back, this for a front bumbler and lights.
I have had to go to the Financial Ombudsman service to start a case and get cooperation
for the mental torture they have caused me.
If you need their help here is the web page https://www.financial-ombudsman.org.uk/
I have never been treated like this every in my life before, I really mean what I say about
not using them, they are not fix to be in business, don't let your families and friends be treated
like this.

Reviewed on 10th May 2022
Mike's avatar
Mike
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Late fees galore

Got payment date changed to avoid late fees, they agreed. They didn't bother changing the date and I got charged the late fee AGAIN. Called up they apologized and changed date and said they'd removed the late fee. They didn't and when I called up again sa Read more

Got payment date changed to avoid late fees, they agreed. They didn't bother changing the date and I got charged the late fee AGAIN. Called up they apologized and changed date and said they'd removed the late fee. They didn't and when I called up again said a load of nonsense and they have to talk to a manager. Fed up paying late fees because of their mistakes!

Avoid!

Reviewed on 9th May 2022
Daniel Tennant's avatar
Daniel Tennant
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Do not use this company

Decided to add an additional £140 to my policy because I was unable to provide details of a claim I had declared from 2019. I had declared it was a stationary accident in a car park and that it was my fault when taking out the insurance. I didn’t have the Read more

Decided to add an additional £140 to my policy because I was unable to provide details of a claim I had declared from 2019. I had declared it was a stationary accident in a car park and that it was my fault when taking out the insurance. I didn’t have the additional information so they added an additional £140. I cancelled the insurance at an additional cost to me of £190. Disgraceful service

Reviewed on 6th May 2022
Susan Mary Tolliday's avatar
Susan Mary Tolliday
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Shocking service. Validation process gets lost in amongst promotional emails and my insurance has increased without any explanation.

Received validation checks, supplied all documents. Insurance increased, no explanation in the emails and the life chat service was unavailable all day today as “all agents are busy” in amongst this 1st central sent me multiple promotional emails trying t Read more

Received validation checks, supplied all documents. Insurance increased, no explanation in the emails and the life chat service was unavailable all day today as “all agents are busy” in amongst this 1st central sent me multiple promotional emails trying to promote a £50 referral scheme. I would not recommend this company to anyone. Abismal service

Reviewed on 6th May 2022
Gary's avatar
Gary
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Please avoid at all costs

I am currently on hold with this dreadful company. I haven't even started the policy yet and went through my policy and decided within a week that this company is not the right insurance company for my needs they are not fit for purpose. They have charge Read more

I am currently on hold with this dreadful company. I haven't even started the policy yet and went through my policy and decided within a week that this company is not the right insurance company for my needs they are not fit for purpose. They have charged me for not going ahead with the policy and it is £50 and claiming it is called an arrangement fee. However they have said they are not a Brookers and yet charging customers arrangement fees. Absolutely disgraceful. Please avoid.

Reviewed on 5th May 2022
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sue sheridan
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Cowboys - make sure to complain!

I’ve used them for the first time recently and like many others were hit with an extra charge after they asked me to send additional docs in and low and behold the date I passed my test was wrong as well as NCD. I argued regarding my NCD but can’t see how Read more

I’ve used them for the first time recently and like many others were hit with an extra charge after they asked me to send additional docs in and low and behold the date I passed my test was wrong as well as NCD. I argued regarding my NCD but can’t see how I possibly put the wrong date down for passing my test but either way I accepted that must’ve been my error. I believe it’s down to pre saved data in these comparison sites and 1st Central are sneaking in catching people out after the usual cooling off period so they can throw cancellation charges left right and centre.

I found the staff rude, one hung up on me, was passed around, failed promises until I eventually raised a complaint and a manager has called back and offered me compensation and apologised. My extra charges have also been fully written off so PLEASE don’t just accept their crap, if you feel they have been shoddy then make that complaint. They are meant to be offering customer service but you can barely call it that at present.

I appreciate a small amount of compensation doesn’t always fix an issue but if they are trying to shove your premium up and have treated you badly then raise a complaint and get the comp offered to take the edge off. Every little helps in this day and age!!

Reviewed on 4th May 2022
Sarah Jones's avatar
Sarah Jones
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Awful service

Son took out insurance online. Got an email saying they needed extra docs by a certain date,which son sent. Only realised they had cancelled his policy when he saw he had extra money in his bank. No communication of ANY kind telling him what they had done Read more

Son took out insurance online. Got an email saying they needed extra docs by a certain date,which son sent. Only realised they had cancelled his policy when he saw he had extra money in his bank. No communication of ANY kind telling him what they had done. Lucky he was off for a few days. He could have been done for no insurance and he needs a clean license. Simple txt or email to let him know before they sent the refund and it could have been all sorted. Absolutely useless.

Reviewed on 3rd May 2022
Lynn Rosborough Dudley's avatar
Lynn Rosborough Dudley
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Car insurance

It's an unbelievable ,how this company, can exist in England. They have a horrible behaviour with the clients. Are focused to make money at any ways. Best advice:just neglected

Reviewed on 2nd May 2022
Iftime 's avatar
Iftime
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No Claims Proof Issues

I've never had any issues with 1st Central until it came to obtaining my proof of No Claims discount. Long story cut short, 1st Central admitted to an admin error / glitch which meant the wrong number went on my certificate and after being passed around d Read more

I've never had any issues with 1st Central until it came to obtaining my proof of No Claims discount. Long story cut short, 1st Central admitted to an admin error / glitch which meant the wrong number went on my certificate and after being passed around different departments who each claimed it wasn't their issue, i spoke to Chris today who sorted it out for me (a week after i had originally tried to sort the problem) and explained what had happened. I had been cut off from multiple phonecalls and online chats regarding this issue and almost had my new insurer cancel on me because of this issue. So absolutely awful service in resolving this problem from everyone apart from Chris in Customer Service, he gets 5* and deserves a raise but everyone else needs training on basic jobs such as not cutting off an online chat or call as they don't seem to understand how detrimental a policy being cancelled on you is.

Reviewed on 28th April 2022
Gina Richardson's avatar
Gina Richardson
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Still waiting for repairs 6 months on!

1st central car insurance are absolute liars with no care for customers. Had an accident in November and, up to now, they give endless excuses as to why repairs haven't started for a claim they accepted. Raised a complaint via resolver and considering Read more

1st central car insurance are absolute liars with no care for customers. Had an accident in November and, up to now, they give endless excuses as to why repairs haven't started for a claim they accepted.

Raised a complaint via resolver and considering taking them to small claims court as well

Reviewed on 27th April 2022
T Shu's avatar
T Shu
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Dreadful company with a Useless South African call centre .

Complete catalogue of problems with my daughters car insurance. Wrong registration number in the first place . Then she was asked to upload V5, driving license, No Claims proof and get a code from DVLA. - not one upload worked on the site. Their Call cen Read more

Complete catalogue of problems with my daughters car insurance. Wrong registration number in the first place . Then she was asked to upload V5, driving license, No Claims proof and get a code from DVLA. - not one upload worked on the site. Their Call centre ( which is in South Africa) is hopeless, very difficult to understand them plus they can’t help you at the weekend because ‘policyanalysis’ only works week days. So you can’t get anything changed over the phone. The online account was locked . So completely useless. God knows if it was an accident to report !
My daughter needed to change car details that day. It meant she wouldn’t be able drive to training for a new job. Ended up buying new car insurance from Admiral who were brilliant.

Now 1st Central want £95 to cancel ! What a rip off company.

Reviewed on 26th April 2022
David 's avatar
David
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Awful company

Awful company. Rip off and too focused on making money. Staff are rude too.

Reviewed on 23rd April 2022
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Tessa Dewdney
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