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1st Central: Car Insurance reviews

Name: Car Insurance
Rating: 1.68 (862 reviews)

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1.51

Based on 862 reviews, last reviewed 11th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

32% 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

Seems that's it's not just me experiencing the same... Seems that's it's not just me experiencing the same thing. I just read this review. The same think happened to me. Sadly, it's quite common with this ... Read more Reviewed on: 11th 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 (862)

Review of the 1st Central, Car Insurance:

BEWARE!! Ludicrous charges! THEY DO NOT CARE!!

Took out insurance and over a week later they asked for proof of NCB and proof of claims. Asked my last insurance provider for this. When I didn’t get them in time they charged £175. I had told them I had contacted twice to get these documents. I decided to cancel after nearly 4 weeks and for this I was charged £156, minus my first payment, despite their website saying it’s a £10 cancellation fee after 14 days!! Very impersonal service and completely ridiculous charges!! Felt as though they grabbed me with a cheap quote and then added on extras to make money. My monthly payment went from £37 to £55!! Felt like dealing with robots whose job is to add money on excessively!! Wish I’d read these reviews first!! Reviewed on: 29th November 2024

Reply from 1st Central Hi Katharine, 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. Ashley Response date: 2nd December 2024

Will take every penny they can - even if the insurance period HASN'T STARTED

Forced into selling my car after taking out insurance. Was due to start a gew days later and asked to cancel. £50 charge... no debates - refused to waive or partially waive. No point going to people who see you as a piggy bank. Reading up, they also charge ludicrous mid-term change costs... just avoid. Their online staff were fairly nice, however useless. Reviewed on: 19th August 2022

Con artists

Was told if I wanted to ever cancel my policy it would be £50. Somehow turned into £168! Avoid!!!! Reviewed on: 18th August 2022

Worst company in the last 7 years

They increase my policy without a reason Reviewed on: 18th August 2022

worst company! avoid her!

I got a quote at £ 70 then they asked for pre-insurance papers and raised me to £ 120 a month! they don't reply to the e-mail, you can't get along with them, it's just stealings! Reviewed on: 18th August 2022

Terrible

choose 1st Central though a comparison site...which my details were already input in, the price was good...they asked for proof of NCD which I received from my previous insurer as an email which I forwarded. A few weeks later I received an email stating my account was over £500 in arrears ( original quote £314 which I'd paid in full) so I rang and rang to be told they didnt accept emails but needed a letter headed PDF as proof, my previous insurance company had never been asked for this by any other insurance company but did it. Thought that was it but received another email, I was in arrears for £270..this time it was my job title (I have 2 job titles and they don't appear together in a drop down box, but I work in education), ring, ring, ring again sorted, told I owe nothing...had an email to say I owe nothing...then got an email asking for £61...£50 of which was admin....rung again and again...got a bit shouty but paid £11 after standing my ground on the admin fee, told all sorted.....2 weeks on another email...want my driving licence front and back and a code from the government website to review it, I'm now sat here waiting for another email to arrive telling me I'm in arrears again after reviewing my licence (never had a point on it). 1st Central are awful, their customer service are arrogant and aggressive, if you don't stand your ground, produce evidence of communication they will rinse you. I have both my car and house insure which I would cancel but I pay upfront and they give you very little back. I will never ever use them again and certainly wouldn't advise anyone else to either. Reviewed on: 18th August 2022

Awful

3 months ago my car was stolen and written off, still not been settled and customer service fob you off with excuse about them waiting for a report from brownsword who are their legal team. Reviewed on: 18th August 2022

Worst insurance company

I added an additional driver and then cancelled before the start date and it’s been over a month and I haven’t been refunded. I’ve contacted them several times and apparently the accounts team ‘haven’t quite got to it’. How much longer do they need!!!! They owe me £486!!!! Reviewed on: 17th August 2022

Poor process, poor communication, poor customer service

Original online quote didn't complete fully on the account setup, but they managed to process the deposit. When I called they said the money had gone somewhere but the online quote had disappeared and I would have to call Customer Services to get a requote (which just happened to be £300 more expensive????). I declined the offer of the insurance policy, naturally, and found one considerably cheaper elsewhere which I took out. Lo and behold! A day later they take the deposit for the "lost" online quote and activate that policy. The sauce of it... without any permission to do so after the conversations and records on their ChatBot as well. Very poor... I would suggest leaving well alone and looking elsewhere. Reviewed on: 17th August 2022

Intimidating and accusatory

Had an issue with the details provided, they had not updated the new details I gave and suggested they should take 50 pounds as an admin fee. I was told my premium was lower by £2.17 but they would charge £2.19 to change the details. Challenged my job title to see if it was accurate and at no point felt like my customer needs were met. AVOID AT ALL COSTS Reviewed on: 17th August 2022

AVOID!!!!! I can't stress this enough.

waited a month to request the following to be emailed and no way to supply via secure portal: all 4 pages of v5, proof of address, work contract, both sides of license, check code, passport, bank statement. Demanded all of this or insurance would be cancelled, never been asked for such sensitive data from a company to be sent unsecured via email. Refused to send these details due to gdpr concerns, was advised I had mandatory set up and cancellation charges. Had they requested this in the first instance within my cancellation window (14 days) I would have avoided charges. Went elsewhere after cancellation which worked out cheaper and they never requested any of this information, all went through and confirmed with no issues. This company is cowboy con artists. Considering going to insurance ombudsman, poor service, terrible contact and money demanding. Avoid at all costs! Reviewed on: 17th August 2022

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