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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.51 (952 reviews)

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1.50

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.

1st Central Car insurance reviews (952)

Review of the 1st Central, Car insurance:

Awful service

Son took out insurance online. Got an email saying they needed extra docs by a certain date,which son sent. Only realised they had cancelled his policy when he saw he had extra money in his bank. No communication of ANY kind telling him what they had done. Lucky he was off for a few days. He could have been done for no insurance and he needs a clean license. Simple txt or email to let him know before they sent the refund and it could have been all sorted. Absolutely useless. Reviewed on: 3rd May 2022

Scammers

stating how long I have been the owner of the car, I made a mistake for a few months and because of the fact that they have to change the contract, they charged me £62. I do not recommend this insurance company.My first and last year with them Reviewed on: 2nd September 2022

Bloody Crooks

Stay clear of this company - refuse to refund £50 deposit when i cancelled the policy after making a small change, put the price up by £250. How they get away with it i don't know. Reviewed on: 2nd September 2022

Con Artist

they gave me a policy and then 2months later tried to charge several extra fees!!!! it pays to go to a high end firm and pay more and not put up with thieves in suits Reviewed on: 2nd September 2022

Bullyboys

These guys are bullies and total harassment. I gave up driving through health issues and sold the car and cancelled my insurance. Straight away, they were chasing a cancellation fee non stop. Phone calls, texts, emails constantly all day long. Total desperation and very unprofessional. Never again. Reviewed on: 1st September 2022

If this is the only review you ever take notice of...

Oh my gosh , this company has nearly driven me to depression . When I started the policy my other half was a gardener . He lost his job so unemployed . Fc contacted me and asked if his occupation had changed , I said yes , they added £50 charge to my account . Customer advisor said my policy would increase by £3 because of the changes . Next monthly installment is taken out of my bank and its risen from £31 to £64 , because my partners unemployed now? I try to ring them to see why the huge increase , but everytime I ask a question bit they seem to be hearing me say something completely different . Tonight's phone call resulted in me getting an email saying your changes have been made and another £50 charge , when I haven't even changed anything . I'm seriously close to tears ! Please don't give these nasty pieces of work your custom . If you work for this company you ought to hang your heads in shame ! Reviewed on: 30th August 2022

. PLEASE AVOID THIS COMPANY AT ALL COSTS

Avoid like the plague. Almost impossible to communicate with following cancellation of policy, due to new car purchase. Have sent proof of new ownership countless times but they are still demanding payment for several weeks of cover, when vehicle had new owner. BE AWARE THAT THEY WILL CHARGE YOU WAY OVER ____________________________________________________ £100.00 FOR CANCELLING YOUR POLICY. ________________________________________ They will also over quote you for new vehicle, prompting cancellation as it is in their interests to charge the amounts above. I have also spent over 5 hours on phone to reach resolution, to no avail. ****PLEASE AVOID THIS COMPANY AT ALL COSTS**** Reviewed on: 26th August 2022

Steer clear of this company

The worst insurance company I've ever dealt with in more than 35 years of driving. I am due a partial refund as I changed car. I've have been chasing them for a month. I'm on my 8th call now. Still not got it back. They want almost six months worth of premium for me to cancel after 44 days of insurance! I can't believe I'll ever see that money anyway. I cannot even imagine what it would be like if I ever made a claim. Stay away! Reviewed on: 26th August 2022

con artisits

seriously pay the little extra and steer clear , they will hit you with hidden fees, and will contact you making up excuses to raise the price, rubbish horrible avoid. Reviewed on: 25th August 2022

Horrendous Experience

Total scam artists, avoid avoid avoid!!! Reviewed on: 25th August 2022

Rubbish

Avoid at all costs!! The worse car insurance company I ever come across. First I trying to change my address which is in a same area from my previous address so they wanted to change me more than £200 then I decided to cancel my policy to just get rid of them as I couldn’t trust them anymore. When I tried to cancel it they changed me cost for 70 days of cover £55.96 Interest for paying monthly £22.30 Arrangement fee £50.00 Personal Accident cover £30.00 Admin fee (for making changes during the year) £50.00 Cancellation fee £50.00 Be careful! All of this was not showing when the insurance was presented online. Reviewed on: 24th August 2022

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