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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.86 (975 reviews)

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1.86

Based on 975 reviews, last reviewed 23rd Aug 2026

300% increase in 5 star reviews

in the past 90 days

83% increase in 1 star reviews

in the past 90 days

12%

80%

Latest highest rating:

5

I have rac joint to my policy, had a breakdown at ho... I have rac joint to my policy, had a breakdown at home and the rac arrived very quickly. Reviewed on: 23rd August 2026

Latest lowest rating:

1

Absolutely terrible It is hard to describe my experience with this company than anything other than an absolute clown show. Since starting my policy on July 29th, I have... Read more Reviewed on: 17th August 2026

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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 (975)

Disaster Waiting to happen

I was quoted £790 for car insurance after filling ALL the required details ( an accident of my own making) two years ago, and accepted by thus Company, Two weeks after receiving my documents I am asked to supply my record of 21 years NCB which I emailed to them and asked for verification that they had received it.Next thing I get in return is a demand of £290 because they had received the 21 years NCB a day later,which to me sounded absolutely ludicrous. So after receiving the email I ring the number and get connected to Cape Town, South Africa!! Needless to say after talking to their representative I decided to cancel this policy,and it was on the fifteenth day of commencement,quoting the fourteen days cooking off period. I was informed that I will receive £630 approx shortly. I am not going to hold me breath,BUT if this is the way this company operates I think I made a wise decision to walk away. I dread to think what they would be like if I had to make a claim. Reviewed on: 1st October 2024

Reply from 1st Central Hi John, 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: 2nd October 2024

Very good quote on car insurance, and recommended on...

Very good quote on car insurance, and recommended on go compare site Reviewed on: 25th September 2024

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

The Staff are very Friendly and Courteous when I han...

The Staff are very Friendly and Courteous when I hang, also everything on the website is straight forward to follow, I have recommended 1st Central to them and they all say the same, I am also trying the home insurance next month,I am livery impressed Five Stars Reviewed on: 24th September 2024

Reply from 1st Central Hi John, Thank you for your great feedback. We always look to offer the best service to our customers Response date: 25th September 2024

Go somewhere else to get your car insurance

THIS REVIEW IS MADE ON BEHALF OF MY SON Terrible customer service, right hand doesnt know what the left hand is doing cancelled policy on 21st June 2024 after being asked to pay an additional £241.95 because they didnt receive proof of my no claims bonus, then they realised they had and issued me with a -£241.95 refund. Phone call with their representative was hard work, eventually they agreed they were wrong and I decided then and there to cancel the policy over the phone because of their shoddy customer service, I have now received another email asking for £278 for a default of a direct debit they tried claiming on 9th July 2024 - they did reduce it to £178 because they thought their previous phone call to me back in June hadnt been dealt with properly and so gave me a goodwill gesture of £100. How nice of them - I dont owe the money I didnt ever owe the money so the £100 is not relevent - steer clear everyone this company is just out to squeeze extras out of their customers and former customers - they are scammers Reviewed on: 24th September 2024

Reply from 1st Central Hi Sarah, Thank you for your feedback. We’re sorry to hear on this occasion your son's experience with us hasn’t been as positive as we’d hoped it would be. We can see that a complaint was raised and £100 given as a goodwill gesture. We've passed this further review on to our Customer Relations team to add to your file and for investigation. They'll be in touch when they have any updates. Thank you again for your feedback. Clare Response date: 25th September 2024

WASTE OF MONEY

From my experience at this insurance company,they have been rejecting my calls,not bothering to even answer when I called,and they took double the amount of money they were supposed to take from my bank account.I do not recommend this insurance company at all! I would consider this being extremely rude as they have no respect to their customers at all and seem completely unprofessional and not bothered about their customers. Reviewed on: 23rd September 2024

Reply from 1st Central Hi Piotr, 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 2088 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: 24th September 2024

Absolutely nasty and non-transparent company

Used them twice. The first time, 2022, a van drove into me and my car was written off. They handed my claim to a separate firm and 2.5 years on I am still waiting for settlement. This year, chose them as they appeared to be the cheapest. Don't be fooled. My car had to be scrapped after 6 weeks insured with 1st central and THEN all the hidden costs come out. Additionally, they required me to prove the vehicle had been transferred then forward dated the cancellation date to the issue date of the DVLA scrappage note. refuse to do anything about it. And admit I could not have been aware of the extra charges BEFORE I took out the policy, but refuse to do anything about it. Horrible horrible company. Stick with the transparent reputable companies. Reviewed on: 23rd September 2024

Reply from 1st Central Hi Judy, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. For cancelling a policy, if this ever needs to be back dated a car insurance company would need this date to be confirmed in writing. We advise of our cancellation fees when a policy is being set up online or over the phone. These are agreed by the customer, so they are aware upfront. We have this FAQ also - https://help.1stcentralinsurance.com/motor/cancellations/if-my-car-insurance-is-cancelled-why-do-i-still-owe-money-to-1st-central. Ashley Response date: 24th September 2024

Easy to see what was included & it was great value.

Easy to see what cover was provided and it covered all my requirements, plus it was great value. Reviewed on: 18th September 2024

Reply from 1st Central Hi Robin, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 20th September 2024

Do not use this firm

Hidden with charges. Impossible to cancel the contract even within the 14 days. Awful customer service, non uk based calls centres. Save you selfs a lot of agg and go elsewhere… they start cheap to reel you into a year of hell Reviewed on: 18th September 2024

Reply from 1st Central Hi Ashley, 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. We have call centres based in a few locations, including the UK and South Africa. Ashley Response date: 18th September 2024

Worst experience.

Worst experience. This company is a shambles, incompetent and rude staff also. We requested our policy to be one multicar policy rather than two separate policies, they told us they would complete this, but never did… so of course, charged us double the cancellation fee with added extras that were never outlined when we took out the policy. Clearly will try and claim all sorts for extra money. Reviewed on: 17th September 2024

Reply from 1st Central Hi Olivia, 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 offer a multicar discount to a policy, this means you would get a £50 discount on your new policy. You'd then get a £50 discount on your policy when it renewed. If any changes needed to be made, or if the policies needed to be cancelled, they would be subject to their own premium charges and fees. This is advised on our website also - https://help.1stcentralinsurance.com/general/discounts/do-you-offer-a-multicar-discount. Ashley Response date: 17th September 2024

Disgusting company they couldn't even set up my dire...

Disgusting company they couldn't even set up my direct debit properly then because they hadn't done it tried to charge me late payment fees on top this happened for 3 months on the trot every time I phoned and told them to complete the direct debit every month they said they would every month they didn't even my bank said they hadn't done what they needed to do their side . In the end I canceled the policy as I was sick of late payment fees. They were very rude I paid a cancelation fee just to get away from these cowboys absolute con men . Really need investigating there's also a whole facebook page made about this awful company and it's dodgy dealing I'd check it out I wish I had seen it before I took out the policy . They also make up a date that you passed your driving test and when you say no I passed it on such a date they accuse you of false information even though nobody ever asked me the date of passing they then charge to amend something that wasn't your fault . They also try to say of the date of ownership doesn't match up with day of purchase of the vehicle on your log book they will charge you to amend that they make out you told them things you didn't and then charge you to amend each thing . Reviewed on: 16th September 2024

Reply from 1st Central Hi Mrs Buckley, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. 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: 17th September 2024

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