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1st Central: Car Insurance reviews

Name: Car Insurance
Rating: 1.68 (866 reviews)

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1.49

Based on 866 reviews, last reviewed 16th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

14% 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

I changed the address to another one 200 yards away... I changed the address to another one 200 yards away from the first one. They wrote that they would pay me 17 pence extra. But my renewal went up from ... Read more Reviewed on: 16th February 2025

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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 (866)

Review of the 1st Central, Car Insurance:

the duplicate your policy by accident.

the duplicate your policy by accident....I did get a refund for this but it was a headache.... I called them when i got a new car to cancel and go with someone else and they didn't do it so months later I had to ring them up again where they required email proof I was with someone else.....then said they have to wait to get that email cause the person on the phone couldnt see emails....will not be going with them again. Reviewed on: 20th January 2025

Reply from 1st Central Hi Tzice, 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. Ashley Response date: 21st January 2025

AVOID

Rip off merchants. Doubled my car insurance to nearly £80 Web chat is poor - they don’t help you they just try to catch you out. Still waiting for my refund. Please please do not use this company Reviewed on: 11th April 2023

Total rip off merchants

They lure you in with a fake low price then when they ask for additional information they then load the premium with extra. I cancelled and they charged me an extra £184 in cancellation and change of policy charges. Avoid 1st Central at all costs Reviewed on: 1st April 2023

Avoid Indians scammers

Service is not helpful, but opposite catching on questions and want charge extra. I never experienced that with other insurers. English language is terrible, hard to understand anything. Reviewed on: 30th March 2023

Disgusting company!! Theifs!!

Been with them 3 years fiest year 55 a month year after 75 ? Then this year decided to take 160 a month off me ?? Wtaf ? Never claimed always paid ! Absolute crooks and they don't give a dam they actually think this is acceptable ? Stay away and god help you if you ever do crash Reviewed on: 30th March 2023

Credit Solution

We wanted to buy a car, but we found out that my credit score was really low to do anything. I had about 1O cards in collections. One was a medical bill I guess. We hired a credit repair agency to assist me with my credit. Within a few weeks, they raised my score to 791, took care of all collection cards and added a seasoned line of credit. We got the new car ASAP. FixMyCredit is a sweetheart, you can hire them too; fixmycredit at writeme com... Reviewed on: 28th March 2023

Stay away

I had an accident and First central wrote my car off and liaised with Copart to sell for parts before even informing me. Refused to give me a curtesy car or hire car, despite being in the policy. Two complaints solved nothing with no movement. Then tried to get me to settle the claim for my finance settlement figure without telling me the correct figure (liaised with the finance company without my knowledge) Customer services were inexperienced or rude. No call backs and failings at every point. Absolute nightmare, stay away at all costs Reviewed on: 25th March 2023

Disgusting treatment

Trustpilot reviews Review of 1st CENTRAL Insurance LL Les Lovelock 9 reviews GB Rated 1 out of 5 stars Updated 6 minutes ago How stupid was I but MORE how… How stupid was I but MORE how frustrated are we !! Writing on behalf of our daughter. Because I did search on her behalf for a reliable car insurance cover. Decided on 1st Central. Comprehensive car insurance However!! My daughter had an RTA on 3rd March She’s a single parent with 3 children 4,6 & 9 yrs. I thought I’d arranged replacement car by paying extra for ‘like for like, important as she needed to fit three children car seats. only to find out if car is Written off or Stolen, Loan car is void !! What stupid insurance cover AND me,for missing!! When loan car is key it’s not an option ( unless you pay EVEN MORE ) More to the point, at time of writing this on 21.03.23 she has filled in umpteen forms. Made umpteen calls and STILL NOT had her car valued so she can get a replacement Reviewed on: 23rd March 2023

Avoid! Avoid! Avoid!

Disgusting company! After 2 months of being with them they sent me an email saying that they had found out that I didn’t pass my driving test on the day I told them, I drive more miles than I said and I didn’t have 10 years no claims so they were going to cancel my insurance and charge me the cancellation fee! These were all lies! So I sent them them proof that I did have 10 years no claims, I do only the amount of miles I said and I did pass my test on that date. It didn’t make any difference! They still cancelled my insurance and charged me a cancellation fee even though all their information was wrong and I should have never received that email in the first place!! They done the exact same thing with someone I work with so they are a complete scam! Reviewed on: 22nd March 2023

A joke

My car is in for fixing covered by them, they choose a garage and promise me a courtesy car, few days before the fix, i find the garage don’t provide courtesy cars and the insurance relies on the garage to sort it. Why in gods name would an insurer rely on the GARAGE to provide courtesy cars and then outright REFUSE to provide one themselves? An absolute joke Reviewed on: 20th March 2023

Scammers! Avoid them!!!

“I started my policy with 1st Insurance in 2022. Unfortunately my car was stolen that year and I had to make a claim. On the following year my premium was excessive, which it was understanding after a claim. When I tried to get few NEW quotes prior to deciding to take the one. It cost me £132 a month, because I did not have other opinions I paid for it. I asked 1st Central insurance if I could pay a higher deposit so the instalments were cheaper but they refused. Nevertheless, I decided to pay 4 months payments in advance this for January, February, March and April 2023. And it was just over £700 to pay for the rest of year 2023. However, few days later I had a text message on my phone from 1ST CENTRAL saying they added additional charged to my policy. Now I have over £1000 to pay, almost DOUBLE of the initial price. I called them and explained that for two weeks I had about 4-8 quotes from them. I had to tick boxes on the go compare website. Because of a mistake of not ticking a box, a error they charged me DOUBLE as if it was a fraud ( I am a student nurse I don't need to make a fraud). They have all my details, all my details are on their system, none of my details have changed, same name, same phone number, same address and email.. I tried to explain that it was an error, I would not LIE they paid for my previous system Its all on their system. They refused to listen, were very rude condescending and extremelly unhelpful. I had tried many quotes, 7 quotes in a period of 2 weeks. All the quotes were expensive. I went with one although it was expensive I could not find a cheaper quote but all my details still same. First Cental staff said I did not disclosed a claim from 8 months before. I made a claim with 1ST CENTRAL I had no reasons to lie it was an error on the document was filled online they charge me double on my policy so I am paying almost £2000 for my policy. 1st Central Insurance stuff are rude, incompeten, very unprofessional, Not a clear English and poor communication skills. The worse customer service. They will put the phone down on you if you complain, customer service nonexistent! They will hang up on the phone on you. The worse customer services. And no I would not recommend you to any family and friends Reviewed on: 20th March 2023

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