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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

Be careful for renewal time

Bought insurance last year until july 5 and I sold my car so no renewed. They took money from my credit card without asking. Spoke to them After returned very less, they saying automatic renewed Reviewed on: 1st August 2022

Worse Company ever

I have been charged twice for the same policy and still waiting for refund after 1.5 months Reviewed on: 1st August 2022

Disgusting company

They will try anything not to pay out if you have an accident, do not touch this company with a barge pole. You have been warned . Reviewed on: 31st July 2022

Would give 0 if possible

A week ahead of my renewal, I attempted to cancel online multiple times prior to my renewal - according to their system, I don't exist. Couldn't change my password because my name or date of birth was incorrect (lol). Tried again to speak to someone on chat and I "failed the security check" which consisted of my name, DOB and email address - they wouldn't cancel it but told me to call. I called and waited for 20 minutes but no answer; who's got time? Came back from holiday and it had auto-renewed overnight - called to cancel, stop any payment from going out and they refused my DVLA proof of vehicle sale email (saying I could just edit it) and charged me £50 just to cancel it. Customer Service score: -5 Avoid like the clap Reviewed on: 31st July 2022

Avoid at all costs

Dreadful customer service Ridiculous costs when making changes to policy. I pray I don't have to claim with them. They don't deserve 1 star. Reviewed on: 31st July 2022

Terrible

Had a bad experience with these guys, cheap but not worth the hassle. They ask you to send more details and if not they ask you for basically double the amount you first paid. Absolute rip off, avoid. Reviewed on: 29th July 2022

Fraudulent company, do not use

After having taken car insurance out with them for 1 year for £591, which I paid in full, at the end of the year they sent a renewal email saying that my last years premium was £1103.97 and that the new price would be £1117.66, o called the day before renewal to day that i would not be renewing , but they already had taken the funds from my account. Could offer no explanation and charged me a £75 cancellation fee. , still waiting for the money to be refunded , absolute crooks , how can they get a 5 star trust pilot review ?? Reviewed on: 28th July 2022

Shocking cancellation costs

2 x £50 to cancel. Excessive charges. Reviewed on: 28th July 2022

Scam Company

Scam company robbed me, never again!!! Reviewed on: 26th July 2022

£145 added to premium less than 2 months after joining

I received an email asking to contact 1st Central to provide additional information including proof of no claims. I am out of the country for 2 months working and so I do not have the proof of no claims letter with me to provide them. Because of this they advised that the premium would increase by £148. They would not wait for me to be back in the UK to provide this. So I cancelled the policy at the cost of £160+. Terrible customer service. Terrible company. Will never use again. Reviewed on: 26th July 2022

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