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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.5 (957 reviews)

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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

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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)

Beware of cancellation costs!!!!

After the first year the cost of cover increased by 15% (Even though I had an extra 1 year of no claims discount). Their email advised that should they not be able to collect the first payment, the policy would cancel as of the end of my previous one. Charged the princely sum of £128.20 cancellation costs. Avoid this company at all costs. Reviewed on: 3rd November 2022

Price increase after first month

They increased the price from just over £300 to nearly £900 because they though I didn't provide them with documents. I did that 2 weeks before deadline but they didn't notice! They put the price up anyway because apparently I entered wrong date of passing driving licence test and wrong occupation!! Absolute scammers. Reviewed on: 3rd November 2022

How much?

Changed my car they wanted £118 admin fees. Ok I'll cancel £170 cancellation fee. WTF. Will not be renewing with 1st central. AVOID. Reviewed on: 1st November 2022

AVOID-One of the most unorganised and incompetent companies I have ever dealt with.

I wish I could give them 0 star. One of the most unorganised and incompetent companies I have ever dealt with. They didn't instruct the garage to prepare a courtesy car for me although it's included in my policy and I requested it a number of times when speaking to their claim team. After two weeks' wait and numerous chasing calls, they finally rented a car for me through Enterprise. BUT they rented a Manual car when I only have an automatic license. I called them and Enterprise more than 5 times from last Friday until now, but the problem is still not sorted out. How hard it is to arrange a right courtesy car for your customer? Just unbelievable how slow and incompetent they can be. I would not recommend anyone to use this insurance company. Reviewed on: 1st November 2022

extra charge

got an email at 20.10 saying it was their second attempt trying to take payment and failed. This was the only email I received and the worst thing was I couldn't even call them up to rectify this as they closed at 20.00. called in the next day and was charged extra for late payment Reviewed on: 1st November 2022

Paperwork Scam

Myself and my husband took out car insurance for both our vehicles. Received the standard emails to say we were insured but then a few weeks later we were sent emails , that unfortunately went into our junk mail , stating that we needed to provide evidence of NCD , proof that we lived in the country since birth, DVLA code, the list goes on. Unfortunately because my husband didn't send his NCD evidence we have just received a £113.00 additional fee!! We have both used insurance companies for over 30 years and gave never been in this position before. I fortunately have 6 days left before I get my insurance cancelled by them for not providing evidence of living in the country since birth!! Avoid avoid avoid Reviewed on: 1st November 2022

AVOID AVOID AT ALL COSTS !! SCAM ARTISTS !!!!

Where do I start? On 29th September 2019 someone crashed into me when I was parked...long story short, it was dragged out, went to court, and non fault claim, in the mean time my car got wrote off and my premiums got raised.... flash forward to now, case has gone in my favour and all the time my premiums were raised, case has been closed, but guess what, after 5 hour calls, and one off them me being on hold for 2 hours to get disconnected over and over again...nothing, when I did get through to someone I was then passed to different departments, customer services, recoveries etc etc and having to pass security several times....my point is, I spoke with someone today 31.10.2022 and I get told because my car got changed, there now refusing to pay me back the premiums they owed me, after being told several times over the last 3 years I would get a repayment....I feel scammed, there is nothing but poor customer service, they are money hoarders and misleading and liars and I am going to make it my personal mission till I get my money back to make sure that all news outlets are aware, all review places are wrote on. Also to top it off, complained to customer services via email and phone and no outcome or reply, when it is my time for renewal, I will definitely NOT be staying with this company and I advise anyone to stay well clear of this company. Reviewed on: 31st October 2022

No refund

It’s been beyond the 10 day period and I have yet to see money returned post auto renewal that I cancelled. Reviewed on: 29th October 2022

AVOID

Thai company should be closed down! My son pays £231 a month for car insurance, never missed a payment and has an active policy, got stopped by police for having no insurance??? Absolute nightmare trying to sort it all out and 1st central couldn’t give 2 hoots and no answer as to why? AVOID Reviewed on: 25th October 2022

Ridiculous prices quoted for small policy changes

I took out car insurance with this company last week, and on second thoughts decided that i should amend average miles travelled annually from 10,000miles to 15,000. The quote increased by £127.00!!. I decided to cancel this policy as i was still within 14 days grace period. Was charged £50.00 to cancel the policy. Reviewed on: 23rd October 2022

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