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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.51 (957 reviews)

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1.51

Based on 957 reviews, last reviewed 17th Apr 2026

100% increase in 5 star reviews

in the past 90 days

59% 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)

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

Extremely unprofessional and slow in dealing with claims

By far the slowest insurance that I have ever dealt with. Started off positive when they contacted me on behalf of their client who was at fault, but it has gone downhill from there. They do not respond to emails or calls and their contracted mechanics don't bother making any effort or calling me to collect my car that has been standing in the road, heading for almost 4 weeks. Unbelievable! Reviewed on: 25th July 2022

Cancellation Rip Off- AVOID!

All seems great, and cheap until you have to cancel your insurance! These scumbags charge £50 cancellation feeds, £50 arrangement fees, £50 Admin fees (nowhere mentioned in the policy) + extra remaining. They want me to pay £189 to cancel!!HAHAHAH Reviewed on: 25th July 2022

Awful service

Terrible customer service. Constantly hanging up and ending online chats. Homophobic jokes, very unprofessional. Avoid at all costs! Reviewed on: 22nd July 2022

AVOID - TERRIBLE COMPANY & NOT CHEAP!!

Terrible company ... !!! Auto renews car insurance without consent** My fella sold his car back in Jan 2022 they have auto renewed his insurance (from his card details without his consent) now trying to get a refund for a car we don't own well, what a joke!! We have proof of the date he/ we sold the car yet I am still waiting, honestly AVIOD this company!! Advisors are not helpful nor is this company really any cheaper than any others. Go with a company you trust and know!!! I never write feedback but had to on this occasion as I am so disappointed with the service. Reviewed on: 22nd July 2022

Amazing car insurance

Quick efficient and very friendly service would definitely use ghem ahain Reviewed on: 22nd July 2022

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