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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.86 (975 reviews)

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1.86

Based on 975 reviews, last reviewed 23rd Aug 2026

300% increase in 5 star reviews

in the past 90 days

83% increase in 1 star reviews

in the past 90 days

12%

80%

Latest highest rating:

5

I have rac joint to my policy, had a breakdown at ho... I have rac joint to my policy, had a breakdown at home and the rac arrived very quickly. Reviewed on: 23rd August 2026

Latest lowest rating:

1

Absolutely terrible It is hard to describe my experience with this company than anything other than an absolute clown show. Since starting my policy on July 29th, I have... Read more Reviewed on: 17th August 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 (975)

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

Rip off admin fees

AVOID this company! My license pass date was 2 months wrong and they have charged me £59.56 as an Admin Fee. This is cynical for a simple click of a button. Will not be renewing! Reviewed on: 21st July 2022

Rip off

I still can't come to terms what exactly happened as nothing like this ever happened to me before. I took insurance with them Went over the phone with representative paid first instalment and set up direct debit so normally that's end of story... not in that case... Within a month and before actual direct debit due I received txt msg that I'm due cancellation fee !!!! Imagine my shock... Apparently I canceled ! Direct debit!!!! AVOID AVOID AVOID SCUM Reviewed on: 21st July 2022

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