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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.67 (903 reviews)

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1.51

Based on 903 reviews, last reviewed 17th Jun 2025

400% increase in 5 star reviews

in the past 90 days

17% decrease in 1 star reviews

in the past 90 days

12%

79%

Latest highest rating:

5

Found you online,needed a cheap quote,you certainly... Found you online,needed a cheap quote,you certainly provided it.Thank you Reviewed on: 3rd June 2025

Verified source

Latest lowest rating:

1

It feels dishonest and manipulative!! Avoid them!! I initially received a quote over the phone, which I agreed to, and even got a confirmation email with the agreed amount. Later, I received another em... Read more Reviewed on: 17th June 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.

1st Central Car insurance reviews (903)

Review of the 1st Central, Car insurance:

Shambles!

My insurance increased from £780 to £1080 after another year of no claims. Obviously, I then wanted to cancel my policy. I spoke to the online chat where I cancelled my policy and I received a confirmation email for this. £1080 was then taken from my account a few days later suggesting my policy was being renewed, even though I confirmed I was not renewing a few days prior! Having spoken to customer services, it will take up to 10 working days to get this money back. Absolutely shambolic. I will never use this company again and I will ensure all close family and friends do not use 1st central either. Disgusting. Reviewed on: 1st June 2025

Reply from 1st Central Hi Tyler, 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: 2nd June 2025

Disgusting company do not use ever!!

So disappointed at how my daughter has been treated by this company... she got a quote 1st on line then spoke to an advisor on the phone who never informed her the difference between social,domestic, pleasure and commuting policy covers . Especially knowing yes was a new young driver! Unfortunately this has left my daughter with a debt of £6600 . DO NOT USE THIS COMPANY Reviewed on: 14th July 2023

Scams scams scams

Be aware people this company doesn’t help when You have an accident and also steal your money Reviewed on: 12th July 2023

Rip off

They really will come up with any way to sting you for cash. It’s not an insurer, it’s more like a loan shark. 50£ for this, 45£ admin fee here, little bit more over there. Really such a dishonest and grasping company. They don’t inform you of consumer rights or misinform you instead. Not good, but only 10 months to go! Reviewed on: 12th July 2023

Shocking !

I work in both industry horticulture and agriculture, they have amended my policy occupation just to horticulture and have charged me nearly £200 extra without my permission!!! Reviewed on: 10th July 2023

MONEY GRABBERS NO CUSTOMER CARE

If you want to deal with actual decent humans that can relate to you and actual provide care in there service stay away from this company, find another company. They want your money only and do not provide a good service. They wouldn’t even spare 1 phone call to make important confirmations with you. DISGUSTING TERRIBLE COMPANY. They cancelled my insurance policy without actually making effort to ensure I am aware of this. I could have ended up in a really serious and dangerous situation and the weird unhuman person I spoke to on the phone could only say 2 things ‘I understand your frustration’ and ‘we sent an email’ mind you this was after I had already spoke with them on the phone to confirm my renewal and they just cancelled the policy no actual confirmation with me or even 1 phone call for a company I have put more than 2k into you’d think they’d be able to call you 1 time to speak to you about something this important. They want your money and that’s it there is no form of customer relationship or care. It’s disgusting! Reviewed on: 8th July 2023

Rip off for a company

Absolutely disgusting the way I have been treated by this company avoid at all costs !!! Rip you off!! Do not get your car insurance with them they will rob your money! Reviewed on: 6th July 2023

Absolute shocker of a company

So my partner had an accident which totalled his car, it's now a month and a half gone, I really don't know where to start with explaining the incompetence observed. Firstly my partner nas courtesy car cover, this took far to long to initiate with the rental company (Enterprise, who have also been completely incompetent during this) and the insurance company just not speaking to each other, both of them harassing my partner and asking him to send messages to the other company. This has been an on going issue the entirety of this claim, initially they said my partner was not at fault, then he had a letter saying it was partial fault, then he spoke to a chap who said he was fully at fault, followed by an email saying he wasn't at fault. 2 weeks into the claim, enterprise said they were taking the courtesy car off cover due to a dispute with who was at fault, my partner called his insurance who sent him an email saying they were arranging for the courtesy car to stay on cover.... Then 1st Central tried to offer 3.500k for my partner's 1 series BMW (valued at 7k) explaining thats the price any trader would pay for it, my partner explained he wasn't a trader and he'd be buying it at the prices a trader would sell it for, they came back with 4 k, this went on, and after another lengthy battle, he managed to get them to 5k which was still below the car value, but accepting it with fear of losing the will to live if this went on much more, we've found out this morning that neither party have spoken to each other and now we have a bill for the courtesy car as it wasn't put back on claim, even though they said it would be and the courtesy car should be covered until 5 days after the claim is settled and money has been received.,... Just avoid at all cost, I don't even know how they're still trading Reviewed on: 5th July 2023

Avoid like the plague!

Charged my £50 to cancel my policy one hour after setting this up online! Their Customer service was horrific. So unhelpful and indifferent. Never again! One valuable lesson learned today. I’m totally disgusted! Reviewed on: 3rd July 2023

Scam ?

Son took telematics policy out in Feb 23 - has had 2 letters warning letters for phone usage - has never used phone in car - Cannot cancel policy online - phoned today 3 "hang ups later" and numerous "holds" finally cancelled at a cost - nice work if you can get it - AVOID THESE CROOKS Reviewed on: 29th June 2023

Stay clear from this company

Stay clear from this company. I was contacted this month (June 2023) after taking an insurance policy out with them in April. They are stating that I had not put the right amount of time I have been driving for and they had to make this change on there end. I asked for proof of me putting the wrong dates in and the reply was it was done on Money Super Market website where the information was incorrect. I had directly brought the insurance through 1st central website not money super market I was just looking for comparison on there website I have then check money super market website and it stated the right amount time of year I have been driving. Because of this error which they cannot prove I am being charged £83.41 plus a £50 admin fee. They still cannot show me proof of these changes so I have know taken this to the Financial ombudsman. Reviewed on: 27th June 2023

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