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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.5 (957 reviews)

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1.51

Based on 957 reviews, last reviewed 17th Apr 2026

100% increase in 5 star reviews

in the past 90 days

56% decrease in 1 star reviews

in the past 90 days

11%

80%

Latest highest rating:

5

Just started my third year of car insurance cover wi... Just started my third year of car insurance cover with 1st Central. Good value for money, helpful customer service, clearly laid out website and easy ... Read more Reviewed on: 17th April 2026

Latest lowest rating:

1

Do not use this provider for your car insurance I’ve had a very poor experience with this insurer. They failed to respond to three or four of my emails, and despite requesting a call from management... Read more Reviewed on: 10th April 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.

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1st Central Car insurance reviews (957)

Avoid !!!!

Illegal money extortion practices, lack of communication between departments, employee incompetence, dishonesty ... I could go on and on. My policy has been illegally terminated twice just because the system information was not properly updated. First and last time I used this company. Absolute scandal and I will report it to the unit above them which is The FCA authority. Reviewed on: 18th July 2023

Scam company.DO NOT insure anything with them

Scam company.DO NOT insure anything with them If i could put ZERO.i would.DO NOT insure your car with these people, they will put you in debt!!!!!!!! This company and its highly untrained staff should be banned from operating as an insurance company. I get passed pillar to post to people who have no clue what they are doing. They decided to not pay out an accident as 1 person decided to lie that i use my car out of the terms - i have yet to hear any proof or recording justifying what they claim. Funny thing is , i had insurance for 6 months after the accident and even got renewed half way through!!!! so how have you put as voided ???? because you don't want to pay?!!?!?!?!? I am left with a £5,000 bill for the other driver involved! with 7 days to pay and after calling EVERYDAY and filing and complaint and requesting investigation - almost 2 weeks later and NOTHING. do you now why? because the racist ,rude unprofessional ,claims handler made it up and now they cant justify as to why this has happened. You have put me in financial difficulty because of your lazy liar team. you know whats the worst thing is, i would have been unaware completely as i received NO correspondance from them. NOTHING, not even online. i only found out when the other cars insurance sent me a bill. I will be going to the papers the media and any source to uncover the truth of your shoddy company.Happy to take peoples money but not to follow your own procedures. I know i cannot be the only one and i will make sure i round up all who have been done wrong by your company and bring you down. Date of experience: 03 July 2023 Reviewed on: 17th July 2023

Easy to use and no fuss

Really straight forward to use services and good communications. Great price, will continue to use if the price is good. Reviewed on: 17th July 2023

DO NOT USE THIS COMPANY!

There isn't enough space to write the absolute farce we've had to go through with this absolute outfit of clowns. From call handlers, right up to senior management they're all completely inept at their job. Trading Standards, The Financial Ombudsman AND Watchdog have all been informed about 1st Central. Next, Main stream media and the national press! Reviewed on: 15th July 2023

Track Record of Extortion

I can see other reviewers have been had over on incredibly minor detail and charged £100 plus for ‘amendments’. In 45 years of being insured and having never made a claim in my entire driving history I have fell foul of these people who are clearly on a mission to obtain money by any means possible. I predict that they will be gripped by the relevant authority very soon and won’t be around much longer. AVOID Reviewed on: 14th July 2023

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

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