Smart Money People Logo
Share this page
Link copied

1st Central: Car insurance reviews

View other 1st Central products
1.50
Based on 911 reviews, last reviewed 6th Aug 2025
67% decrease in 5 star reviews
in the past 90 days
36% decrease 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
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

DO NOT USE THEM!! Worse experience of my life, no communication, the staff do not understand their customers!! Reviewed on: 6th August 2025
Stacy W's avatar
Stacy W
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.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

1st Central Car insurance reviews (911)

Cheapest quotes

5
Always loved beig inaured with them. Very helpful and their wevbsite is easy to use. Reviewed on: 6th September 2020
Hayley Marie Evans's avatar
Hayley Marie Evans

Cheap and cheerful

5
After an accident caused by another driver I never went through with legal action and my insurance became more expensive, but 1st central were an amazing option for me very reasonable price Reviewed on: 6th September 2020
effy427 's avatar
effy427

Simple and easy to use

5
Everything was so simple and easy to use. Got the best quote from all the comparison sites. Will use again Reviewed on: 30th August 2020
Bernadette 's avatar
Bernadette

Avoid this company, they lie and scam.

1
The company tend to be the cheapest but go on to make their money by trying to scam newly registered customers. They will send an email asking for scans of license etc. to double check dates. They will then insist what you entered is incorrect, change it on your policy without asking, and charge you for it. DOUBLE CHECK on you policy data - they will try and do this even if you enter the correct info, in the hope that you don't push back. I made sure my dates were correct and they still lied. Thankfully I had the evidence. They also rely upon people coming in from comparison sites, where the exact date you passed your test isn't entered. It will default to the 1st of the month on their system, so if you don't manually change it on their own website, they will charge you for providing wrong info. This isn't a one off, I was with the company several years ago and the exact same thing happened. Of course I decided to go for them again as they were cheaper, and I didn't learn my lesson!! Absolutely avoid. Rather pay an extra £100 than go through the stress of dealing with this terrible company. Reviewed on: 3rd August 2020
Cy's avatar
Cy

Average

2
Insurance wasnt bad but I found customer service hard to get through too and I preferred my previous insurers Reviewed on: 2nd August 2020
laura green's avatar
laura green

Good valuve for money

4
Have used this company for multiple years. always seem to be the best value for money when it comes to a good car insurance deal with comprehensive cover and legal aid included. Reviewed on: 31st July 2020
Hfarrall's avatar
Hfarrall

Great service , great prices

5
Great services and great prices for my six years no claims discount , not as expensive as I thought it would be and defiantly better price compared to others Reviewed on: 31st July 2020
Gemma wilkinson's avatar
Gemma wilkinson

Policy not activated paid in full

1
Paid for policy in January for full year about 3 weeks before policy start date. 5 months later police pull me and say car has no insurance. Police gave me my rights and impounded my car. Spent nearly 3 days on phone constantly trying to get 1st central to sort it. Said they had no proof of payment kept getting fobbed off. Eventually get through to manager who admits it's their fault sends me cover letter. Took proof to police who rang them and they said they have no record of me being insured with them. So back on phone to them arguing with them to sort it out. Seriously avoid if you can ! Reviewed on: 30th July 2020
Robert Swift's avatar
Robert Swift

Easy to deal with

5
sadly I had a car accident and had to use my insurance, I have nothing but praise for 1st choice, they were friendly, knowledgeable and above all else, listened to me rant about the accident. 10/10 service, my car was fixed very quickly and I didnt have the stress of not knowing what was happening as I was kept very well informed Reviewed on: 27th July 2020
karenusher's avatar
karenusher

easy, fast and friendly

5
the title says it all, what more could you want! Reviewed on: 13th July 2020
Lee Jamison's avatar
Lee Jamison

Review 1st Central: Car insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

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
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill