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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.5 (951 reviews)

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1.50

Based on 951 reviews, last reviewed 13th Feb 2026

100% decrease in 5 star reviews

in the past 90 days

23% increase in 1 star reviews

in the past 90 days

11%

80%

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

FRAUDSTERS!!!!!!! BUYER BEWARE!!!!!!!! DO NOT BUY!!!! In 35 years of using car insurance companies, I have NEVER been robbed/conned like this before! This company comes up as cheap but I can now see why, ... Read more Reviewed on: 13th February 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.

1st Central Car insurance reviews (951)

Review of the 1st Central, Car insurance:

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. 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

Joke of a company!

Absolute joke of a company! Just shows you that you get what you pay for! They came up the cheapest on compare the market so we went with them! Big mistake. We had a crash 4 weeks ago and the car is still sat in my driveway and no courtesy vehicle provided even though its part of my policy! Reviewed on: 11th September 2023

disgraceful company

this company should not be selling insurance as there not capable of doing so Reviewed on: 10th September 2023

DO NOT USE!!!

I went to a Comparison site for a quote and 1st Central gave me the cheapest so obviously i went with them. No soon as everything was sorted about a week later they doubled my account saying that there was an accident reported of which i know nothing about. I rang these up and was told that i had to get evidence from my previous insurers and they also know nothing about there was nothing on their records. This has now gone by the by and when threatened to cancel cover they told me that i had to pay a fee. All this company wants to do is get as much money from you as they can fleece from you recently i changed my car sorted it out online thanking that i wouldn't get charged for doing it that way and was slapped with an admin charge which i did myself because of being online. Very recently i changed my plates on the car to private plates again did this online it first said nothing to pay then on the next page charged me £25.00 admin fees again for something i did online. Biggest insurance scammers out and should be checked by the ombudsman of which i may do myself. When my insurance is up for renewal trust me if they cahrged me a penny for cover i would steer in the opposite direction. Reviewed on: 9th September 2023

They overcharged me twice

They claimed that an instalment was impossible to collect. But the money is in my account as normal. It isc2nd time it happens. I have other direct debits on my account and never had an issue. Avoid them I'll change company for sure Reviewed on: 9th September 2023

Impossible to speak with an advisor

This is a very disappointing company if you need to speak with them . When i needed to make a minor change i was twice cut off by the helpline after waiting for ages . There is no easy way to communicate with this company . It took ages on the computer - although was resolved . I would never use them again . I would pay more to have a better customer experience Reviewed on: 8th September 2023

Worst Insurance company Ever

AVOID THIS COMPANY AT ALL COSTS! I’ve been with this insurance company for just over 4 months,The original pricing of their cover seems impeccable however they will constantly threaten to void your insurance over false detections on their systems, I’ve had phone calls to tell me they’ve detected collisions which haven’t happened (my car was parked on my driveway) and they take every opportunity to charge you extra, impossible to contact as they don’t answer the phone or their emails and after the hours you spend on the phone attempting to get through the advisors are the most unhelpful people you could ever speak to Reviewed on: 7th September 2023

AVOID!!! - Worst insurance company out there

Very appealing price to begin with then two months later they contacted me to say that some details were incorrect. I contacted them on the number provided in their email address and they claimed that I did not provide enough evidence. To start with they wanted a copy of my driving licence which I dont understand considering I put my unique licence number but I was not too fussed about that. Then they told me they needed some sort of quote from DVLA (not sure what thats about as I never been asked for this), still wasn´t too fussed. Then they said that I had put details wrong for example- instead of puting my wife (second driver) as a staff nurse I put as a registered nurse and they had to change that in the policy. Then I was informed over the phone that the service I was provided over the phone was NOT free and I had to pay £50 admin fee to amend these changes from staff nurse to registered nurse. On top of this my monthly payment would go from £36 to £83 because of these minute changes. I was so frustrated with this company that I decided to cancel the policy which I was charged another £50 cancellation fee (fair enough). I ended up wasting more momney by cancelling, however, I would much rather cancel and go with another insurance (which I did straight after) than continue to give them any more of my Money. I sincerely hope their approach changes altogether but small advice to others ‘Do not be fooled by their initial low prices as I came to find out that apparently what happened to me happened to a lot of people and it is very common with this company’- AVOID !!!! The only reason I dont give 0 starts is because its not an option here Reviewed on: 7th September 2023

Horrendous

Deliberately misconstrue a previous no fault claim as fault. This is just an excuse to charge more. They place all the onus on the customer to run around phoning other insurance companies. The quene for calling the Helpline is hours Reviewed on: 5th September 2023

Awful insurance company

I went on a comparison site for car insurance. 1st central were the cheapest i went with the company, my policy wasn't going to start for another month. I decided the next day that i was going to sell my car due to the price of my insurance and downsize. I phoned 1st Central and told them this, they then told me that there would be a cancellation fee of £50 even though i have a 14 day cooling off period and my cover hadn't even started yet. Stay away from this awful company do not touch with a barge pole. If i could give a zero rating i would. Reviewed on: 5th September 2023

Fraud organisation keep away from them...

Fraud organisation. Rise cost of insurance with fairy tales reason, after you order your online car insurance. How long you owned your car" They axplain-You said you have your car 5 year but wee think you own your car 3 year, and that is the reason why wee have to rise your insurance price by 250£. It's nonsense. Keep away from this bullocks. Will never have a business with them. 100% Not recommended..... Reviewed on: 5th September 2023

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