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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (907 reviews)

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1.51

Based on 907 reviews, last reviewed 16th Jul 2025

400% increase in 5 star reviews

in the past 90 days

8% 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

Went on line, got a quote filled in the relevant for... Went on line, got a quote filled in the relevant forms , then asked for my bank details they took all this information and right at the end they said ... Read more Reviewed on: 16th 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 (907)

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

Total Scammers

I should have read the reviews first ay! Went from £26 to £45 a month in heartbeat just for moving house. When I cancelled as got a much better deal elsewhere, hit with £180 fee. Their website says £50 to cancel. Avoid this company like the plague. Reviewed on: 3rd November 2021

Bunch of scam artists

Tried to change my address via the website but it quoted me £450 to do so, so I called them up to change it instead (netting myself a sweet £50 admin charge at the same time), they charged me £320 to just change my address. I said would I be able to cancel my policy and get a refund and they offered me 30% of what I actually paid back - I’ve only had the policy for 4 months. They tried to justify this by saying it’s towards separate fees, £50 admin fee, £100 cancellation fee etc. Bottom line is never use this company, and as soon as my year is up with them I will be running in the complete opposite direction. This is the first time I have left a review for any company at all but this has just enraged me to the point I had to make one. They lure you in with their cheap premiums and then whenever you need to change any minuscule detail it feels like you’ve been hit with a bill at a Gordon Ramsay restaurant. AVOID AT ALL COSTS Reviewed on: 3rd November 2021

Legalised extortion

Avoid like the plague if you have any intentions of selling your car during the policy. Trying to cancel is a nightmare and you’re hit with so many charges it’s cheaper to let the policy run down and get the ncb. God only knows what would happen in the event of a claim ! Reviewed on: 30th October 2021

Cancellation fees far too high

They will steal your money & empty your pockets, they charged a £50 administration fee when I decided to cancel within the cooling off period it was less than 24 hours after I had signed up. The terms are not clear the email stated there would be no cancellation fee if cancelled within the cooling off period & no mention of any adminstration fee charges. My policy did not even start yet! Reviewed on: 27th October 2021

Not Even Deserving of One Star !

Same experience as all the other reviews left here . Given a quote and then asked for lots of additional documents (which were provided ) or your policy could be cancelled. Well I wish we hadn’t of provided them and let them cancel it as they now want an additional £140 on top of the quoted premium , which makes them more expensive than EVERY other company. Wish I had seen these reviews before we switched ! Reviewed on: 20th October 2021

Happy returning customer

I have been with this company several times throughout the years for car insurance and have always received top quality service. When you’re juggling lots of jobs it’s great to be able to sort out something like car insurance in a matter of minutes. Reviewed on: 8th October 2021

Worst ever car insurance company

This is the worst car insurance company ever. Suggesting this company only to my enemies. They make changes to your car insurance 14 days after you have taken out the insurance, charge you for them, then don't answer your e-mails, long phone waiting queues, don't call you back when said they would, don't talk to the driver, cancellation fees are written £50, but they want to charge you £145, basically, making it impossible to cancel it, customer service is horrible, no way to do anything online, just waiting till the policy finishes and NEVER again with this company. If you think it's cheaper than others, think twice, they will make some changes and will charge you more than more expensive companies, you will fall in a trap. Can't imagine what would happen if needed to make a claim. Reviewed on: 8th October 2021

Disgusting

Took insurance out with them 2 months later asking me for £289.85 because on their system it says i had my license in 2010 when i clearly told them and sent them my driving lice se pictures i was passed in 2012 spoke to someone and she was rude didnt want to help and clearly said to me its not up for discussion and when i want to cancel my insurance they only giving me half the money back and its only been 2 months only went with them as they had alot of extras you can add on your policy now my insurance is costing me way more avoid this insurance company Reviewed on: 8th October 2021

Avoid at all cost

Just had my policy canceled with this lot because the computer has when I got my license wrong as it was originally Irish. They are charging me 75 pound for them canceling my policy!! Even though my details are correct!! Avoid at all cost total cowboys Edit they are now trying to charge me 111 pounds for them cancelling my insurance. Needless to say ill be reporting them to trading standards as this is basically theft. Reviewed on: 5th October 2021

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