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1st Central: Car insurance reviews

View other 1st Central products
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
See only 5 star reviews
12%
See only 4 star reviews
5%
See only 3 star reviews
2%
See only 2 star reviews
2%
See only 1 star reviews
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
Leon E's avatar
Leon E

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
Eddie's avatar
Eddie
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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)

Awful company

1
Awful company. Rip off and too focused on making money. Staff are rude too. Reviewed on: 23rd April 2022
Tessa Dewdney's avatar
Tessa Dewdney

Fraudsters

1
Do not use this company lie to you on the phone con people out there money and claims wow if your reading this use another company Reviewed on: 21st April 2022
Jay Dablio's avatar
Jay Dablio

Worst insurance company

1
Being charged 180 pounds to cancel my policy that's just ridiculous... im disgusted... also huge fees for online changes...AVOID Reviewed on: 20th April 2022
Andrei Ichim's avatar
Andrei Ichim

Rip Off

1
Avoid they try to charge you extra after 30days they create small deviation to how you filled out form Reviewed on: 14th April 2022
Mark Hudson's avatar
Mark Hudson

ROGUE TRADERS

1
This company warrant investigation for dubious practices. It is essential that this company gets referred to the relevant authorities. If you find yourself being subject to 1st Choice dubious practices report them. The more referrals to trading standards, ombudsman etc. Even report them to well known consumer programs put them on the radar. It then cannot be put down to one off experiences. There is nothing transparent about their transaction. You will be fleeced, you will be penalised you will be cornered, you will be intimidated you will be trapped. There mode of operation is to charge for anything and everything and you'll be none the wiser until a payment schedule is posted to you. There is no recourse they will not respond to questions. This company needs to be put out of business. Mr Alexander Hatfield Reviewed on: 2nd April 2022
Alex Hatfield's avatar
Alex Hatfield

Extortionate Cancellation Fees

1
Charged £50 for cancellation… five minutes after taking out the policy.. I’m not exaggerating it was five minutes. Customer services said no way of waiving the fee, although he understood it couldn’t be sorted.. can I repeat it was five minutes exactly !! Reviewed on: 1st April 2022
Marc McCracken's avatar
Marc McCracken

Fraudsters

1
I paid the final payment and then they chased for cancelling fee whilst I left the country to come back to see that they had. "chased" for a payment that had been settled though they reported to the credit agency as outstanding and I have had a nightmare getting this sorted. I would avoid this company easy to get insurance nightmare to deal with afterwards. Not worth it! Reviewed on: 31st March 2022
Ebrio's avatar
Ebrio

Robbery

1
I have paid my car insurance premium in full in February for the policy start date on 2 March. This has then become legally binding and is contractual. They then turned around on 11 March and said they needed me to provide additional information which I have then done. They then said they needed to charge me extra £89.22 as a result of the information provided. This is illegal and blatant robbery. It is unheard of. I have already provided them with all the information they needed before the start of the policy. I have demanded them to remove the extra charge within 24 hours. Otherwise, I will resort them to the Financial Ombudsman and take them to court. Reviewed on: 21st March 2022
Anqi Shao's avatar
Anqi Shao

Nothing short of DISGRACEFUL

1
Nothing short of a DISGRACE! This company is nothing less of a DISGRACE! Empty promises and poor service. Completely unorganised and NEVER DO AS THEY SAY WILL. Have caused me so much more distress at a very difficult time and simply don’t care. Heartless, cruel and unprofessional. Reviewed on: 19th March 2022
Surrey Realist's avatar
Surrey Realist

Huge cancellation fees

1
Cheap until you want to amend or cancel policy, better off paying more and go with a more reputable company. Reviewed on: 18th March 2022
Darren Read's avatar
Darren Read

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