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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (942 reviews)

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1.52

Based on 942 reviews, last reviewed 29th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

31% increase in 1 star reviews

in the past 90 days

12%

79%

Latest highest rating:

5

Good and not too expensive Was looking for good value car insurance and found this one. Not too expensive and so far can’t say anything bad. Very easy to sign up. Reviewed on: 5th September 2025

Latest lowest rating:

1

This company is scamming people out of money. This company is scamming people out of money. They use illicit abhorrent techniques to force changes to the information you have provided and make up ... Read more Reviewed on: 29th December 2025

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About this product

With 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 when driving in Europe. There are five policies to choose from giving different levels of cover: ValueOnline, Online, LegalOnline, PlusOnline and PremierOnline.

1st Central car insurance reviews help you find out what it’s really like to be a customer. If you’ve used 1st Central before, you can also leave a review and share your experience.

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1st Central Car insurance reviews (942)

Simple insurance, managed online.

Simple insurance, managed online. Competitive prices. Reviewed on: 23rd August 2024

Reply from 1st Central Hi Leanne, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 27th August 2024

Excellent value with no hidden costs

I have had a few policies with 1st central and they have always stood out. They have great communication and regular updates without being overbearing. The policy portals are easy to use with quick access to all documents associated with the policy. With excellent value for money and no hidden extras. Reviewed on: 23rd August 2024

Reply from 1st Central Hi Tillytot, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 27th August 2024

Hassle to begin with but stuck with them!

When creating a quote, I accidentally wrote the wrong date in a box and my goodness, it kicked off a chain of events where I had to provide bits of paperwork I’ve never had to provide to any insurance companies before (I’ve been driving for 16 years). So trying to start the insurance was a lot of hassle. HOWEVER I’ve had to change parts of my policy throughout the year e.g. adding on my husband, changing car and it is very simple and straightforward on the app! A competitive quote again this year so I am staying with them. Reviewed on: 23rd August 2024

Reply from 1st Central Hi Francesca, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 27th August 2024

Best car insurance company

Going to be my second year with 1st central, and I am very happy with the Company. It is the best one out there, I would recommend one million time of her to everyone Reviewed on: 23rd August 2024

Reply from 1st Central Hi es, Thank you for renewing with us. We’re happy to have you on-board for another year Response date: 27th August 2024

Wish we had read all the bad reviews on here for the...

Wish we had read all the bad reviews on here for the company, before we took a policy out for my son ,customer service staff not helpful, some were rude put the phone down on us ,cost us 135.00 pounds to cancel a policy we only used for a month, but that's a small price to pay ,better companies about, would not recommend this company to anyone Reviewed on: 17th August 2024

Reply from 1st Central Hi Ma w, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We’ll use your comments to help improve our service and training for our agents. Ashley Response date: 20th August 2024

Loyal customer for 5 years, despite their annual spi...

Loyal customer for 5 years, despite their annual spikes in costs, however this renewal period I was asked to provide information (already declared on the renewal) and was asked to pay an additional £1995 for the changes. The main change was that I was now unemployed on health grounds. Zero flexibility, rude and robotic customer service agents, and they’re costing me more than I can afford as a single parent on UC, to cancel the policy and seek a different one. Terrible, terrible, terrible. Reviewed on: 15th August 2024

Reply from 1st Central Hi Mecha I, 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 us to look into this further for you, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 16th August 2024

Avoid at all costs, you can't block their texts.

I purchased insurance that I cancelled the same day as I managed to get a cheaper quote elsewhere. I called them up before the policy was due to start and they refused to cancel it until it had officially started which is illegal as you are allowed a 14 day period to withdraw from any financial contract for any reason at any time. They charged me a small amount to make the total paid £50 which I could accept (even though I was entitled to a refund since I requested it cancelled the same day and before the policy started) but now they're pestering me saying I owe them almost £50 and there's no reason for it. They text you via an invalid number so you can't block their texts as well which is majorly scummy. Avoid at all costs. Reviewed on: 15th August 2024

Reply from 1st Central Hi Cernunnos, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We would like to look into this further for you to help resolve this, please send an email to [email protected] with your policy number a summary of your experience similar to your review and we will look into it. Ashley Response date: 16th August 2024

Did the comparison website just come up as cheapest...

Did the comparison website just come up as cheapest well so I thought after taking out a policy a week later they sent me an email asking for the V5 I uploaded it three days later everything seems good nearly 3 weeks of past over the cooling off period and they have now informed me they're going to charge me £59 for making a slight mistake on the purchase of date for the vehicle absolutely shocking. This really is made my day it's put me in a right mood if it was £10 or £15. I could understand it possibly charging me £59 just to enter a date on the website. Well I won't be renewing my policy or ever going with Yu this company again and I will certainly warn all of my friends about them! Reviewed on: 12th August 2024

Reply from 1st Central Hi Steven, 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 us to look into this further for you, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. Ashley Response date: 13th August 2024

Shockingly terrible.

Shockingly terrible. Sat away. Not fit for purpose. Reviewed on: 10th August 2024

Reply from 1st Central Hello, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. Let’s see if we can help put this right for you. Just give our team a call on 0333 043 2066 or speak to us on web chat which can be found on our website. We’re here to help from Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm. Ashley Response date: 13th August 2024

The worst insurance company on the market keep well...

The worst insurance company on the market keep well away they are just a ripped off give all the info they need then cancel your insurance if I was not on top off my email i would have been driving around with no insurance not even a phone call to let you no so dangerous do not trust not worth the risk no manther how cheap they say you getting insurance as your not realy Think it just a scam Reviewed on: 2nd August 2024

Reply from 1st Central HI Christopher, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We would like to look into this further for you to help resolve this, please send an email to [email protected] with your policy number a summary of your experience similar to your review and we will look into it. Ashley Response date: 13th August 2024

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