Write a review

1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (907 reviews)

View other 1st Central products

1.51

Based on 907 reviews, last reviewed 16th Jul 2025

200% 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

Read all reviews Write a review

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.

Review 1st Central: Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

1st Central Car insurance reviews (907)

Stealing

They are stealing money from customers. Avoid Reviewed on: 1st October 2021

Wow amazing price

I saved over £40 a month by switching to 1st Central and it includes RAC cover! Reviewed on: 17th September 2021

Brilliant

Offered the best price quotes with more for my money. Reviewed on: 16th September 2021

Was great until renewal

Coudnt fault 1st central when I first took out my policy. Coming to renew it though,the price was alot higher. Managed too find a renewal with someone else for the 1/3 off there price. But overall I coudnt fault them when I had a policy with them Reviewed on: 10th September 2021

B

Very affordable cover, would recommend Reviewed on: 9th September 2021

Do not use!

This company is terrible. The customer service is shockingly bad as they have no idea about there own product. Extremely expensive admin costs if the policy ever needs changing or up grading. And communication is non existant. Reviewed on: 8th September 2021

Worst company ever

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! The customer service was very poor and the representative was very rude & lacked professionalism. AVOID AT ALL COSTS. You will thank me later. Reviewed on: 6th September 2021

They will empty your pocket

Worst company. Dont take policy from them. Your pockets will be empty Reviewed on: 2nd September 2021

Cons DO NOT USE

I wouldn’t even give these people one star, i started and paid for a policy in full and in 10 minutes I decided I made a mistake and wanted to cancel the policy and when I called them they said that they are going to charge me £50 for a settlement fee which I was not aware of at the time of the purchase. They rob you they are CON’s BE AWARE I have an email confirming that I can cancel the policy within 14 days without a charge. What a joke of a company - DO NOT USE THIS COMPANY THEY HAVE LITERALLY JUST FORCED ME TO STICK TO THE POLICY - BE AWARE GUYS JUST USE PROPER INSURANCE COMPANIES LIKE ADMIRAL OR DIRECT LINE - DO NOT USE 1st Central - absolutely appalling company day light robbery. Disgusting service VERY VERY VERY VERY UNHAPPY Reviewed on: 28th August 2021

Go elsewhere or get done over.

Sell you insurance then start fishing for more money, you have not got drive to work on your policy even though it's on the certificate & I've got business use, then the dates on your licence are wrong apparently I put passed test 1996 when should be 1987 named driver wrong 98 instead of 94 so more driving time great, put sp30 date as 28/4/18(date caught speeding) instead of conviction date(28/7) my bad. They loaded the insurance by a over 50% or cancel at extortionate rate, £210 then reduce to £160 for 41 days great money in getting people to cancel look at there reviews, I'm going to FSO & anybody else that will listen. They auto input the 25+ years licence held date on comparison site & hope you don't check because I was not asked so they can get more money, you either pay up or cancel at stupid rate there quids in either way Reviewed on: 22nd August 2021

Do you have a different 1st Central product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Car Insurance
from Zurich 2.03 from 8 reviews
Car insurance
from Swinton Insurance 2.45 from 113 reviews
Caravan insurance (discontinued)
from Saga 4.87 from 46 reviews

Want to see more from 1st Central?

Breakdown cover
from 1st Central 4.47 from 16 reviews
Personal accident
from 1st Central 2.00 from 5 reviews
Home insurance
from 1st Central 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub