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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (906 reviews)

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1.51

Based on 906 reviews, last reviewed 8th Jul 2025

400% increase in 5 star reviews

in the past 90 days

13% decrease in 1 star reviews

in the past 90 days

12%

79%

Latest highest rating:

5

Found you online,needed a cheap quote,you certainly... Found you online,needed a cheap quote,you certainly provided it.Thank you Reviewed on: 3rd June 2025

Verified source

Latest lowest rating:

1

Absolute highway robbery, after opening a new car in... Absolute highway robbery, after opening a new car insurance policy they waited 32 days (4 days after your legal right to change your mind) to tell me ... Read more Reviewed on: 8th July 2025

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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 (906)

Second 1 star review

econd review, since it's now over a year since my claim started. Still no contact from the claims department about why the claim is still open after they paid out to me and the other party...but clearly not paid everything because the other party is now taking me to court. 1st Central have never informed me of any decision they have made to pay or not pay to the other party, which is this case they have not informed me that they refused to pay this part of the claim (confirmed in writing to me by the other party after I asked the reason for the court letters) After multiple emails about updates on this the claims department have not responded and the person handling my claim is not available and does not return calls (as she has done for well over a year now). So the claim is still open, they don't update at all on any part of the claim at all unless you hound them and pray they send something that makes sense (which the claims handler in question actually did so bad the last time no one else on the department could make any sense of) but it doesn't matter.. So not sure of the process at moment but Im going to be quite alot more broke having to defend for something this pitiful excuse of an insurance company is meant to deal with and inform the customer that paid in full for the insurance contract. Anyone 5 stars you see on here are from the automated email sent out after your sign with them and is about the sign up easily process. They are not about the utterly useless service you get, Which by the way calls are farmed out to a call center in South Africa and no one actually works for the company as they are a call center. So genuinely please avoid the this company you will regret it. Also for the Two faced appology that some person will return to this review about please don't say your sorry because you genuinely are not and they last time i posted a negative review about this matter someone said sorry and they want to sort this.... nothing happened, not a thing. FPM6008961793FC - So you don't do the we can't find your details rubbish response either Reviewed on: 26th November 2021

Con artists! AVOID LIKE A PLAGUE!

DO NOT INSURE WITH THESE PEOPLE! They offer you a competitive price on comparison sites. When you get their product they will wait for at least a month and start asking for information that NO other insurer ever bothered to ask. Such as proof from how long you have been in the country. Conveniently for them they ask for these over a month after your cooling-off period has finished. They will go through the information with a fine comb and if you made any mistake they will use this as an excuse to charge you £50.00 for the privilege and will increase your premium! Check the reviews on Trustpilot ( ignore the obviously fake ones) and google reviews. YOU HAVE BEEN WARNED! . A Reviewed on: 25th November 2021

just thieves

Money taken out of my acc without my knowledge, no emails, no phone calls. 75£ two months after taking car insurance. outrages ! phoned to cancel the insurance as don't want to be with company that steals customer's money and I have been charged 150£ extra!! Arrangement fee £50.00 Admin fee (for making changes during the year) £50.00 Cancellation fee £50.00 never again with this micky mouse comp Reviewed on: 24th November 2021

Avoid this company

I have opened the policy with them few month later they asked me for some documents, One of the documents they asked me for is to provide a letter dated all the way back in 2016 or earlier!! Who TF on earth would keep a letter for that long , why would you ? I have managed to find it but they said they don’t accept it . It was NHS they say they will but no ! So i am now waiting for them to cancel my policy. Just try to stay away from those people as far as you can !! Unprofessional customer service!! Reviewed on: 24th November 2021

Scammers

Same as everyone else....asked to provide extra info 2 weeks after insuring....price then went up £63. Absolute joke of a company. AVOID AT ALL COSTS! Reviewed on: 15th November 2021

Fees for charging fees

I tried to add my partner to my policy online and change address of the policy. I could only select one change at a time and when I got an extortionate quote for changing address I could no longer request any changes to the policy and either had to pay the money or they would cancel my policy. Anyway found a much cheaper quote elsewhere even with the £50 cancellation fee. When I cancelled the policy I was also charged an additional £25 arrangement fee for them to cancel the policy and charge me the £50 cancellation fee!! Reviewed on: 15th November 2021

scammers

they charged me £382 cancelation fees , proper stealers Reviewed on: 15th November 2021

Very rude customer service

They are scammers. Called to cancel insurance. 6 months later they are still taking money off my account. The most rudest customer service I ever dealt with Reviewed on: 13th November 2021

worst horrible car insurance ,zero star

This 1st central is the 1st car insurance that I’ve been that I had a worst horrible experience,this insurance company is the 1st insurance asking to provide or photocopy my driving license,no claim bonus & dvla check,as I’m too busy I have a 5yo daughter & working I don’t even have a time to check my email & didn’t submit this documents there asking,so this horrible scam insurance automatically changed my policy and put my monthly payment from 28£ into 50£ ..so I rather to cancelled my insurance to them rather to insured my car to them,they really makes me really angry as no car insurance asking you to provide all this documents there asking and automatically changed your policy and increase your monthly payment,that’s why they called 1ST CENTRAL AS it’s A FIRST CAR INSURANCE THAT AUTOMATICALLY CHANGED YOUR POLICY WITH 50£ admin FEE,when I cancelled my POLICY WITH THIS HORRIBLE INSURANCE THEY CHARGED MY 100£ ,cancellation fee plus my monthly installation charged etch there’s loads of hidden chargers,IF YOU READING THIS YOU NEED TO THINK BILLION TIMES BEFORE YOU INSURED YOUR CAR AS THIS 1ST CENTRAL IS THE 1ST CAR INSURANCE THAT TOTALLY RIFF OFF,YOU WILL LIST A LOT MONEY..THEY TOOK ALREADY TOO EARLY 50£ MY MONTHLY PAYMENT AND THE GAY CUSTOMER SERVICE I SPOKEN THEY WILL REFUND WITH IN 10DAYS,HIW HORRIBLE WORST DISQUSTING SCAM RIFF OFF THIS CAR INSURANCE.. Reviewed on: 6th November 2021

Wriggle out of a claim

Insurance taken out in 2020 psd policy that included going to from work as standard. Try make claim in 2021 get told psd policy no longer allows you to drive to from work.. But poli8taken out in 2020 new rule came in April 2021 .. So there for there taking money under false promise and description. Steer well clear Reviewed on: 6th November 2021

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