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1st Central: Car Insurance reviews

Name: Car Insurance
Rating: 1.68 (853 reviews)

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1.51

Based on 853 reviews, last reviewed 23rd Dec 2024

100% decrease in 5 star reviews

in the past 90 days

5% decrease in 1 star reviews

in the past 90 days

12%

79%

Latest highest rating:

5

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

Latest lowest rating:

1

Distrustful customer service Spent two separate calls of 10-15min in the past week (Christmas time) trying to get two 1st Central advisors to accept my annual mileage estimation (... Read more Reviewed on: 23rd December 2024

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About this product

Here at Smart Money People, we collect 1st Central car insurance reviews from genuine customers, to help you make an informed decision about your next provider.

1st Central was founded in 2008 and has been growing fast ever since. Specialising in car insurance, the brand offers a variety of products with different levels of cover, including a telematics policy for newer drivers.

When choosing a new policy, take the time to ensure it is suitably robust and meets all of your needs. Do you want breakdown cover included in the policy? Do you need legal cover? What about cover for any medical expenses that may occur after an accident? Working out your priorities before searching for a policy can make the selection process much easier. Check out our 1st Central car insurance reviews to find out what others think.

Have you had a car insurance policy with 1st Central? Whether good or bad, share your experience with the Smart Money People community to help us increase trust and transparency in financial services. Were you satisfied with the price of the premium? Did you have any interactions with the customer service team? Leave a 1st Central car insurance review today to help other drivers just like you.

1st Central Car Insurance reviews (853)

Review of the 1st Central, Car Insurance:

BEWARE!! Ludicrous charges! THEY DO NOT CARE!!

Took out insurance and over a week later they asked for proof of NCB and proof of claims. Asked my last insurance provider for this. When I didn’t get them in time they charged £175. I had told them I had contacted twice to get these documents. I decided to cancel after nearly 4 weeks and for this I was charged £156, minus my first payment, despite their website saying it’s a £10 cancellation fee after 14 days!! Very impersonal service and completely ridiculous charges!! Felt as though they grabbed me with a cheap quote and then added on extras to make money. My monthly payment went from £37 to £55!! Felt like dealing with robots whose job is to add money on excessively!! Wish I’d read these reviews first!! Reviewed on: 29th November 2024

Reply from 1st Central Hi Katharine, 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 Response date: 2nd December 2024

Appalling policies & customer service- avoid at all costs

I won’t go through at length the issues, but do not go with this lot. Tried to charge over £100 because my purchase year (which was actually a name change from a family member to mine) was the wrong year, despite me offering to send the original V5C as proof. They weren’t interest and wanted their 120 pounds instead. Cancelled my policy then and there. Reviewed on: 23rd October 2023

Policy analysis

I had the unfortunate luck to chat with Scottish Stephen today from policy analysis. It was like talking to an idiot who was not interested in listening to me. He was like the character from little Britain "computer says no". Once both my policies are finished next year 1st central will be getting nothing from me again. This is how they treat long term customers. No common sense Reviewed on: 20th October 2023

Hustlers

They will cancel your policy themselves then chase you for money like harassers, if they do this to you get financial ombudsman. Horrendous company Reviewed on: 19th October 2023

Extortionate fees, nothing but threats of debt collection and shocking customer service

Cancelled my policy which was fully up to date with payments, charged an extortionate fee of £94 to leave but would not provide a breakdown of what this was for. Bully/harassment tactics and threats were used to make me to make me pay. I would never use again and from my experience I would advise to stay clear! Reviewed on: 18th October 2023

AVOID AVOID

They will happily take your deposit then cancel the policy quoting that you have been a victim of identity theft WTH Reviewed on: 16th October 2023

Avoid at all costs!

Told 1st central that I was moving address and job. They then cancelled the policy unless I pay an extortionate premium up front. Refused to negotiate or offer an installment plan. Rude staff when told I want to make a complaint. Guess it was my mistake for being honest with such a crooked company. I now will likely have a cancelled policy to my name and thus will be paying extra in the future. Avoid at all costs! 0/10. Reviewed on: 13th October 2023

Awful, avoid

Only one star as it isn't possible to give zero. We decided to upgrade the family car, after looking around we liked a VW Caravelle, got a quote online to swap our current cover with 1st Central to the new car and on getting a decent quote put a deposit on the VW. I'd got the quote on the vehicles private plate and the day before we went to collect went online to change the quote to the new (original) registration but the system wouldn't find it. I tried to contact via web chat several times but kept getting removed from the system every time I connected with an agent and was then unable to log in again each time until I logged out, cleared my cookies and logged in again. I eventually got through to someone who after a long, confusing conversation told me they wouldn't insure it as it's a van. I stated that they had quoted me already all that had changed was the VRM and was told that I'd only been quoted because I'd just put 'Volkswagen' and not 'Caravelle' even though the quote clearly states 'Volkswagen Caravelle' the insinuation being that I'd given the wrong details to obtain a quote - the only details I had entered were in fact the VRM 1st Centrals own system giving the vehicles details and asking me to confirm. I explained that a Caravelle is a car not a van and is M1 Diesel Car on the logbook thus legally a car - the response was 'its a VAN we don't cover VANS' this went back and forth a bit until I gave up and rang. Same thing on the phone with a gentleman firmly but at least politely telling me my car was a van because it looked like one and his manager said it definitely was. I again tried explaining that it was classed by DVLA as M1 Diesel Car thus lawfully a car and that categories were based on the intended use of the vehicle not the chassis but they were adamant they wouldn't cover it as it was a van (his manager said so after all and what do the DVLA know) Upshot is I have to cancel my cover - £50 fee and pay 100 odd days of cover as they are adamant my car is a van and won't insure it and take my custom elsewhere. Terrible customer experience from staff who are terribly trained and do not have a clue. Reviewed on: 6th October 2023

I was ripped off

No matter how cheaper this car insurance company. They are called 1st central on Money supermarket, Go compare or Compare the market. Please avoid as they will refuse to represent you in the midst of an accident or claim. The Customer service is also awful Reviewed on: 5th October 2023

Hidden charges, you will get a SHOCK

STAY AWAY, I cancelled my policy and got a big shock. Here are the following charges for the cancelling the policy after I sold my car. Admin fee £50 Cancelling £50 Arrangement Fee £50 Excess Protect £27.99 Personal Accident Cover £30 Interest for paying monthly £62.84 Final COST OF payment to cancel Policy £272 ABSOLUTELY DISGUSTING COMPANY. I wish I could upload the screenshot of the charges. Reviewed on: 2nd October 2023

Heartless company who will charge you at every turn

We have used this company many times over the years, as a couple, maybe over 6 different policies. Today my husband had his insurance cancelled because he mistyped his email address by ONE letter! Instead of using initiative and trying to contact him via another means, they’ve simply cancelled the policy and sent a letter to say so. CANCELLED the policy- meaning a black mark is on my husbands name and he will now have to declare it in future, raising our premium considerably for the NEXT 5 YEARS because of one small human error. When he phoned, customer service have been extremely unhelpful with a ‘nothing we can do attitude’ and the absolute JOKE is that we’re being charged for this. A family already struggling financially and they’ve completely thrown us under the bus. Please note: their ‘defence’ is that it is “all done by computer” so if you want an insurance company that has humans using their common sense or one that has any care for customer loyalty or customer service, this is the NOT the one for you! 110% do not recommend. Reviewed on: 30th September 2023

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