Write a review

Go to business site

1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.5 (957 reviews)

View other 1st Central products

1.50

Based on 957 reviews, last reviewed 17th Apr 2026

100% increase in 5 star reviews

in the past 90 days

50% 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

Read all reviews Write a review

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.

Review 1st Central: Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

1st Central Car insurance reviews (957)

Terrible communication and not user friendly

I have found 1st Central to be a particularly poor company. They cannot respond when dealing with simple issues and are indifferent when their un-user friendly customer portal leads to issues. I will never pass them my custom again and encourage others to AVOID this poor company. Reviewed on: 1st December 2022

Pathetic excuse of a company

If I could give 0 stars I would. No wonder the insurance quotes are so cheap, they make their money back by scamming it out of you. No communication from their behalf. My monthly instalment was due out as normal however it wasn’t taken out, the next day I receive a text message saying my policy has been cancelled. Tried to get in contact with them and they have no valid reason as to why it’s been cancelled. Awful company. Stay well clear. Reviewed on: 1st December 2022

Any excuse to raise the price

Tried to tell me I had 0 years no claims wanted to add £688 on to the price 3 calls to 3 different advisors before they themselves sent me proof of my 12 years no claims still added £50 admin charge Reviewed on: 29th November 2022

Zero stars, absolute thieving over priced robbing kunnnnts

Absolute thieving robbing over priced, take advantage of their customers when ever they get any chance too, downgraded my car with 4 months left on my policy to get a quote of £300 extra, straight scumbags, no justify their greedy actions, zero stars and would never ever recommend or get insured if they was the last company in the world! Scumbags Reviewed on: 28th November 2022

Con merchants rip off

Total scammers after receiving a email 2months after renewing my car insurance they requested proof of my driving licence and address by the way you already have them. ******* and then threatened me they would cancel my policy I asked my options told get insurance elsewhere or give proof. So I did go elsewhere guess what been bullied threatened with constant emails texts stating I need to pay cancellation charges interest and charges £137 just in cancellation fees when they told me to cancel it. Total jokers and also you phone south Africa to speak to someone who doesn't give a **** and false promises of call backs still waiting 2 weeks on Reviewed on: 26th November 2022

Terrible company

Refused to cancel policy on my terms then cancelled the policy themselves so i have to declare a policy cancellation each time I renew. Absolute joke Reviewed on: 24th November 2022

Unprofessional

I called to query an email about my renewal only to be cut off everything second by the advisor after I expressed how expensive they were last year and now I've found a company doing it for half the price. He was so rude, he wouldn't let me speak. Never again and definitely wouldn't recommend. Reviewed on: 24th November 2022

Automatically renew

1stCentral automatically renewed my policy and then refused cancellation when called them and told them I find better options somewhere else. They keep saying never received my emails and lost £60 cancellation fee. I am waiting for my refund ☹️ So disappointed with you 1stCentral we should have the option to choose who we want to insure our cars with and right to ask for cancellation. Reviewed on: 24th November 2022

Worse company to deal

I bought car insurance back in April and paid extra for brake down cover I didn’t get chance to read the small print I had chance few days ago to read the small prints and I was shocked if I brake down some where in motor way they will only take my car up to 10miles when ring the company and spoke to the customer service she didn’t have answer to my question then I asked to put me through to the manager which she did after waiting for more than 1 hour but the manager was very rude and no knowledge at all they are cheater they very helpful when they take your money after that that they don’t want to know I request every one not to buy insurance from this company they are cheater . Reviewed on: 24th November 2022

Robbery

Not recommend. They'll offer a low price, but then will try to balance their books overcharging you in all the different manners for fictional reasons. Stay away! Reviewed on: 22nd November 2022

Do you have a different 1st Central product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Car insurance (discontinued)
from Endsleigh 4.61 from 562 reviews
Car Insurance
from Haven 1.18 from 73 reviews
Van Insurance
from Direct Line 4.75 from 4 reviews

Want to see more from 1st Central?

Breakdown cover
from 1st Central 4.41 from 16 reviews
Personal accident
from 1st Central 2.23 from 5 reviews
Home insurance
from 1st Central 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub