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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.67 (887 reviews)

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1.51

Based on 886 reviews, last reviewed 1st May 2025

200% increase in 5 star reviews

in the past 90 days

41% increase in 1 star reviews

in the past 90 days

12%

79%

Latest highest rating:

5

Happy Driver Great experience got my car insurance straight away and was able to drive it that night fantastic Reviewed on: 22nd April 2025

Latest lowest rating:

1

Horrific company. Horrific company. Last year we set up a policy with them, the policy analysis team were horrific. They accused us of providing false information (rega... Read more Reviewed on: 1st May 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.

1st Central Car insurance reviews (887)

Review of the 1st Central, Car insurance:

CAR INSURANCE WITH EASE

I JOINED LAST YEAR, VIA COMPARE THE MARKET, THEY WERE CHEAPER THAN MY PREVIOUS COMPANY AND ONLINE JOINNG WAS SIMPLE! Reviewed on: 20th January 2018

Worst experience.

Worst experience. This company is a shambles, incompetent and rude staff also. We requested our policy to be one multicar policy rather than two separate policies, they told us they would complete this, but never did… so of course, charged us double the cancellation fee with added extras that were never outlined when we took out the policy. Clearly will try and claim all sorts for extra money. Reviewed on: 17th September 2024

Reply from 1st Central Hi Olivia, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We offer a multicar discount to a policy, this means you would get a £50 discount on your new policy. You'd then get a £50 discount on your policy when it renewed. If any changes needed to be made, or if the policies needed to be cancelled, they would be subject to their own premium charges and fees. This is advised on our website also - https://help.1stcentralinsurance.com/general/discounts/do-you-offer-a-multicar-discount. Ashley Response date: 17th September 2024

Disgusting company they couldn't even set up my dire...

Disgusting company they couldn't even set up my direct debit properly then because they hadn't done it tried to charge me late payment fees on top this happened for 3 months on the trot every time I phoned and told them to complete the direct debit every month they said they would every month they didn't even my bank said they hadn't done what they needed to do their side . In the end I canceled the policy as I was sick of late payment fees. They were very rude I paid a cancelation fee just to get away from these cowboys absolute con men . Really need investigating there's also a whole facebook page made about this awful company and it's dodgy dealing I'd check it out I wish I had seen it before I took out the policy . They also make up a date that you passed your driving test and when you say no I passed it on such a date they accuse you of false information even though nobody ever asked me the date of passing they then charge to amend something that wasn't your fault . They also try to say of the date of ownership doesn't match up with day of purchase of the vehicle on your log book they will charge you to amend that they make out you told them things you didn't and then charge you to amend each thing . Reviewed on: 16th September 2024

Reply from 1st Central Hi Mrs Buckley, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 17th September 2024

Competitive market prices

Competitive market prices, I’ve not had to make a claim so can’t speak on that front Reviewed on: 15th September 2024

Reply from 1st Central Hi EC, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 16th September 2024

Good experience 1st central

Easy to set up, covers what I need, do sort claims out quickly and professionally. They answer the phone and everything online is easy. Reviewed on: 14th September 2024

Reply from 1st Central Hi Rachel, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 16th September 2024

They were a good provider.

They were a good provider. I had roadside assistance once and very helpful in sorting it Reviewed on: 10th September 2024

Reply from 1st Central Hi Vijay, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 11th September 2024

The worst 'insurance' company I come across in more...

The worst 'insurance' company I come across in more than three decades of using car insurance. Incredibly dishonest, incompetent and arrogant -- prefer working against their own interests, too! Had to deal with them through an ombudsman who proved to be an utter moron, but I got at least some money and satisfaction back. Reviewed on: 6th September 2024

Reply from 1st Central Hi Wanderer, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We’ll use your comments to help improve our service. Ashley Response date: 6th September 2024

AVOID this deceitful lying company

The worst company I have ever had the misfortune of trusting. Lying, deceitful money grabbing， VULGAR。 PLEASE avoid avoid avoid at all costs!!! You will lose money and they will hound you constantly with threats!!!!!! AVOID Reviewed on: 5th September 2024

Reply from 1st Central Hi Ben, Thank you for your feedback. We’re very sorry to hear about your experience with us. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 6th September 2024

Great company to be with always happy to help.

Great company to be with always happy to help.will try and get you the best deals .fantastic customer service Reviewed on: 4th September 2024

Reply from 1st Central Hi Claire, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 6th September 2024

The cheapest car insurance I could find at the time...

The cheapest car insurance I could find at the time on a particular car I wanted to insure.Easy to set up on line at a reasonable price in today's overpriced market. Reviewed on: 4th September 2024

Reply from 1st Central Hi PC, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 6th September 2024

Easy to use online account with competitive insuranc...

Easy to use online account with competitive insurance for vehicles. Reviewed on: 4th September 2024

Reply from 1st Central Hi Theo, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 6th September 2024

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