Write a review

1st Central: Car Insurance reviews

Name: Car Insurance
Rating: 1.68 (854 reviews)

View other 1st Central products

1.51

Based on 854 reviews, last reviewed 6th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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

So my son passed his test 27th Apr 2023,he was stopp... So my son passed his test 27th Apr 2023,he was stopped by the police may 27th 2023,he went to court 5th Dec 2023,where he was convicted of a DG10 and ... Read more Reviewed on: 6th January 2025

Read all reviews See your review

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 (854)

Review of the 1st Central, Car Insurance:

Very easy to complete policy

Very helpful staff, great products to choose from. Great customer service too Reviewed on: 24th April 2017

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

Crap company

Constant issues and when I got that sick of them they charged me 125 pounds to cancel! Watch this company as they love hidden fees Reviewed on: 29th September 2023

Absolutely aswful

my girlfriend insured with them and every week there was a problem which could cause her insurance being cancelled, named drivers not driving the car (they don’t HAVE to drive it), the black box being loose despite it being on the windscreen, having to register named drivers and having the app downloaded. Just constant hassle for no reason. Reviewed on: 27th September 2023

Not good car insurance

They blamed me for an accident that I wasn't even involved in and reduced my NCD as a result, which cost me about £200. 10 months later they admitted that it wasn't my fault and gave me back my NCD but not any of my over payments Reviewed on: 27th September 2023

Worst Insurance company ever

Don't be fooled by the initial low insurance quote you will no doubt be given by one of the price comparison sites, this is just to reel you in and your premiums will probably go up in the first few months. Their call centre would appear to be in the far east so consequently it's quite difficult to understand what's being said. Don't try emailing them either because they take on average five days to read it according to their own information. I cancelled my insurance with them after three months and was charged £154 for the privilege. Spend a little bit more and get your insurance from a reputable company. Avoid, avoid, avoid. Reviewed on: 21st September 2023

a £100 fee to make a small change !! Terrible customer service

I needed to make a slight change 1 hour after booking the insurance (28 days before it was due to start!) and they said that will be a £100 fee !! Terrible customer service Reviewed on: 20th September 2023

Rude customer service

Absolutely rude customer service who do not let you speak!! Definitely do not recommend Reviewed on: 18th September 2023

Extortionate Fees

I’m very disappointed, sold my car, so cancelled my insurance 4 months in but it’s basically cost me the full year to cancel! Shocking & daylight robbery. Reviewed on: 17th September 2023

Shocking

Overcharging….. made up an endorsement on my policy then said I didn’t declare any. Then made my refund but didn’t cancel the policy I had cancelled the DD from my bank so they didn’t get that so instead they illegally took money from my card from another bank which they were given details of for the refund ! They admitted they had a note for the cancellation and a cancellation code but had still taken 2 mo this of payments. Wanted a copy of my licence to check my endorsement and I told them they didn’t and needed part of my licence number and a check code. They insisted they get copies of the licence. Guess what they then emailed me back for a check code Reviewed on: 15th September 2023

Do you have a different 1st Central product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

There's still more to see!

1st Central has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub