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1st Central: Car Insurance reviews

Name: Car Insurance
Rating: 1.68 (860 reviews)

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1.51

Based on 860 reviews, last reviewed 6th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

10% 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

Almost got me arrested Opened a new policy in November, now currently February 2025. It turns out these scammers cancelled my insurance without telling me and allowed me to ... Read more Reviewed on: 6th 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 (860)

Review of the 1st Central, Car Insurance:

So my son passed his test 27th Apr 2023,he was stopp...

So my son passed his test 27th Apr 2023,he was stopped by the police may 27th 2023,he went to court 5th Dec 2023,where he was convicted of a DG10 and recieved 12 month ban. 1st central were the cheapest insurance we could find since getting his licence back and still cost £3,881 for the year paid in full 8-12-24,1st central are now trying to say we put wrong date he passed his test (we didnt) and also saying we put wrong date he was convicted we put 5-12-23 the date he went to court and was convicted, but apparently that's wrong we should have put the date the offence occurred 27-5-23?? But he was NOT convicted on that date, and are now demanding another £1,908.75 2 change the dates we apparently put wrong (which are not wrong) otherwise they are cancelling his insurance!! Absolutely disgraceful that they can do this,and how they think it's acceptable to be charging £6,000 for 12 months car insurance, may I add,that is just bog standard fully comp,no added extras,breakdown cover or anything like that,and he also has a telematics box too. I will be cancelling his policy and I will also be contacting the ombudsman and the FCA regarding this as I think it's absolutely disgusting they can get away with this!! Reviewed on: 6th January 2025

Reply from 1st Central Hi Bridget, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. If you’d like to speak to the team about this process, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 8th January 2025

Easy to see what was included & it was great value.

Easy to see what cover was provided and it covered all my requirements, plus it was great value. Reviewed on: 18th September 2024

Reply from 1st Central Hi Robin, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 20th September 2024

Do not use this firm

Hidden with charges. Impossible to cancel the contract even within the 14 days. Awful customer service, non uk based calls centres. Save you selfs a lot of agg and go elsewhere… they start cheap to reel you into a year of hell Reviewed on: 18th September 2024

Reply from 1st Central Hi Ashley, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. We have call centres based in a few locations, including the UK and South Africa. Ashley Response date: 18th September 2024

Worst experience.

Worst experience. This company is a shambles, incompetent and rude staff also. We requested our policy to be one multicar policy rather than two separate policies, they told us they would complete this, but never did… so of course, charged us double the cancellation fee with added extras that were never outlined when we took out the policy. Clearly will try and claim all sorts for extra money. Reviewed on: 17th September 2024

Reply from 1st Central Hi Olivia, 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 offer a multicar discount to a policy, this means you would get a £50 discount on your new policy. You'd then get a £50 discount on your policy when it renewed. If any changes needed to be made, or if the policies needed to be cancelled, they would be subject to their own premium charges and fees. This is advised on our website also - https://help.1stcentralinsurance.com/general/discounts/do-you-offer-a-multicar-discount. Ashley Response date: 17th September 2024

Disgusting company they couldn't even set up my dire...

Disgusting company they couldn't even set up my direct debit properly then because they hadn't done it tried to charge me late payment fees on top this happened for 3 months on the trot every time I phoned and told them to complete the direct debit every month they said they would every month they didn't even my bank said they hadn't done what they needed to do their side . In the end I canceled the policy as I was sick of late payment fees. They were very rude I paid a cancelation fee just to get away from these cowboys absolute con men . Really need investigating there's also a whole facebook page made about this awful company and it's dodgy dealing I'd check it out I wish I had seen it before I took out the policy . They also make up a date that you passed your driving test and when you say no I passed it on such a date they accuse you of false information even though nobody ever asked me the date of passing they then charge to amend something that wasn't your fault . They also try to say of the date of ownership doesn't match up with day of purchase of the vehicle on your log book they will charge you to amend that they make out you told them things you didn't and then charge you to amend each thing . Reviewed on: 16th September 2024

Reply from 1st Central Hi Mrs Buckley, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 17th September 2024

Competitive market prices

Competitive market prices, I’ve not had to make a claim so can’t speak on that front Reviewed on: 15th September 2024

Reply from 1st Central Hi EC, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 16th September 2024

Good experience 1st central

Easy to set up, covers what I need, do sort claims out quickly and professionally. They answer the phone and everything online is easy. Reviewed on: 14th September 2024

Reply from 1st Central Hi Rachel, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 16th September 2024

They were a good provider.

They were a good provider. I had roadside assistance once and very helpful in sorting it Reviewed on: 10th September 2024

Reply from 1st Central Hi Vijay, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 11th September 2024

The worst 'insurance' company I come across in more...

The worst 'insurance' company I come across in more than three decades of using car insurance. Incredibly dishonest, incompetent and arrogant -- prefer working against their own interests, too! Had to deal with them through an ombudsman who proved to be an utter moron, but I got at least some money and satisfaction back. Reviewed on: 6th September 2024

Reply from 1st Central Hi Wanderer, 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: 6th September 2024

AVOID this deceitful lying company

The worst company I have ever had the misfortune of trusting. Lying, deceitful money grabbing， VULGAR。 PLEASE avoid avoid avoid at all costs!!! You will lose money and they will hound you constantly with threats!!!!!! AVOID Reviewed on: 5th September 2024

Reply from 1st Central Hi Ben, Thank you for your feedback. We’re very sorry to hear about your experience with us. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 6th September 2024

Great company to be with always happy to help.

Great company to be with always happy to help.will try and get you the best deals .fantastic customer service Reviewed on: 4th September 2024

Reply from 1st Central Hi Claire, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 6th September 2024

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