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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.51 (952 reviews)

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1.51

Based on 952 reviews, last reviewed 4th Mar 2026

100% decrease in 5 star reviews

in the past 90 days

15% 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 (952)

Avoid more than covid

Would rather catch covid again than renew with these, £500 a month insurance and I can’t even cancel it and go to the cheaper option as it cost me £500 to cancel, they told me after I make the next payment it will drop dramatically when I try to cancel. After paying the £500 payment I checked how much it would be to cancel it is is only £10 cheaper, as far as I’m concerned if I cancel I shouldn’t be charged for any remaining months as I will not be under their policy, if I could give zero stars I would, rude awful staff who don’t know what they are doing, had one staff member end the live chat on me repeatedly, I am now stuck paying extortionate amounts and can’t change my policy Reviewed on: 18th October 2022

Scammers

I got trapped by this scam and when i… I got trapped by this scam and when i tried to cancel my policy they have so many charges. Arrangement fee £50. Cancellation fee £50. Excess protect fee£30. Admin fee £50. These all fees you have to pay to these scammers Reviewed on: 18th October 2022

Con-artists

Literally lied to me, claimed I signed something the day before (when I hadn't even logged in or been on a computer, I don't carry out this stuff on phone). Then when I proved they were lying they tried to take my money anyway. Avoid at all costs. Reviewed on: 17th October 2022

100% Scam

They sent me the sensor and I can't login to the app. I phoned up twice and the man on the phone said just drive as normal and try to login later. They cancelled my policy and gave me back the refund. They charged me cancelation fee and the sensor. I phoned up again and they said get another insurer. Fuck Reviewed on: 14th October 2022

At least Dick Turpin wore a mask

They did it to me too say they need more information and charge you for it .. tie you up in knots give you a major headache never a uk person on the phone they keep your card details on file.. and they are the biggest load of crooks on earth don't touch them Reviewed on: 13th October 2022

Sly

Sly company, not nice to deal with, hard to get your money back if they take it by accident too! Reviewed on: 12th October 2022

DODGY BUSINESS PRACTICES

Once cover has been taken out they will pretend that they haven't received all of the information and will hit you with untold admin fees. Use Aviva or Churchill instead. Reviewed on: 11th October 2022

Useless, thieves

I thought Admiral was bad and then i got 1st central. Despicable Reviewed on: 10th October 2022

Excessive unnecessary charges

I wish I had read reviews before taking two policies. Similar to others asked for the V5 document and then charge of £69 for amending date. Never experienced an insurance company like this before. Avoid Reviewed on: 5th October 2022

RIP OFF --BE WARNED

After giving you a competitive quote they will come at you after the 14 day cooling off period to say the details on the policy may be incorrect ---things they have added or adjusted and then tell you you have to pay £68 inc administration fee --how can they get away with this ?? my mistake was to pay for the policy upfront should have done a monthly payment and would have stopped it Reviewed on: 5th October 2022

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