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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.

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1st Central Car insurance reviews (951)

Premium over DOUBLED!!!!

WOW from £300 to over £700!! No claim, no change of anything and BOOM shot up!! NEVER AGAIN 1st Central!! Message for Michael Lee, your company is an utter disgrace!!!! Reviewed on: 3rd May 2023

Rip off merchants

Take 2 months of payments then send you a deadline (in 4 days time over a weekend) for more documentation, in the email it says you get 5 working days. Surprise surprise you can get the documents off old insurance in time over a weekend and they charge you £50, despite in the email saying you get 5 worming days and giving you a 4 day deadline over a weekend. Frankly laughable. Stay away. Similar experience 10 years ago, stupidly thought they had changed. Reviewed on: 3rd May 2023

Avoid them

Unfortunately I had accident with my fault. After that i call them and send all the pictures of cars involved in accident. They cancelled my policy from the beginning. Reason... your exhaust is not original. Was standard with catalysis system. I ask lawyer and they just ask what company. 1 central insurance. We now them very well they do that for many people. It's a scam insurance. Reviewed on: 1st May 2023

DONT LET THEM RIP YOU OFF

Accepted my policy took my large deposit then cancelled it saying information was missing and they can’t insure if we have it any way so we want a large cancellation fee Well guess what your not getting it you are a disgrace LEAGALISED FRAUD Reviewed on: 29th April 2023

Shambles of a company STAY AWAY

Absolute shambles of a company do not use them stay away maybe cheap to start pff but lack of communication and awful to deal with when you have a claim Reviewed on: 26th April 2023

Terrible advice, terrible service

Called to insure new vehicle. Was advised to reactivate my expired policy (£307) and then change car details to new car (£212). Called back the next day to rectify this obvious mistake only to be told there was nothing they could do. I cancelled the policy immediately at a personal cost of £82. Absolutely appalled. Reviewed on: 26th April 2023

Ridiculous policy change prices

Awful, just awful. They quote cheaply but my goodness the adjustments are absurdly priced, complete rip off! Beware!! Reviewed on: 26th April 2023

Zero stars!!!

This insurance company is a MISUNDERSTANDING! The liquidation of the damage through no fault of my own takes more than half a year. Nobody replies to messages. No workshops in the area - yes for 4 months. The payment of compensation make problems and the other contracting company decides whether the indicated body repair shop can do it. They do NOT pay on time for repairs to the body repair shop. Workshop without payment will not return the car. Replacement vehicle problem, only for 2 weeks. Reviewed on: 21st April 2023

Charged an extra £280

Good luck getting any customer service. I Was subject to cloned plates in 2019, cloned vehicle caused a crash. Have a letter from police confirming. Every insurance company I have delt with use the letter to ignore the "fault collision" except this company! Now charged £280 for the privilege of having plates cloned, won't accept any evidence its nothing to do with me! Can't wait for the insurance to expire so I can go to a proper company. Reviewed on: 21st April 2023

Do not recommend

After the policy had been purchased and on the day of the policy starting they requested documents such as DVLA check code, pictures of driving license and a copy of the NCD, all went through fine and got approved. They requested a phone call so they could run through details with policy holder which is fine. On the call they proceeded to question the job titles which we had submitted for all 3 drivers, essentially saying that the jobs didn't exist and asking invasive questions about what we do at work and what type of job it is, etc, also asked questions about how many days a week the car is driven, how many miles a day, etc which we could not give accurate information for as the car is used differently every week, proceeded to give us an average mileage and said that didn't match the amount we had taken out on the policy (it was lower than the mileage on the policy), eventually the person on the phone 'had to make amends' to our policy and ended up charging us extra on top of our policy (in that extra amount was a £50 administration fee!!). We decided to cancel the policy as this extra fee now put our policy higher than other premiums with other companies, the call handler was incredibly rude and condescending and offered no help to rectify the issue. Reviewed on: 20th April 2023

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