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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.51 (957 reviews)

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1.51

Based on 957 reviews, last reviewed 17th Apr 2026

100% increase in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

11%

80%

Latest highest rating:

5

Just started my third year of car insurance cover wi... Just started my third year of car insurance cover with 1st Central. Good value for money, helpful customer service, clearly laid out website and easy ... Read more Reviewed on: 17th April 2026

Latest lowest rating:

1

Do not use this provider for your car insurance I’ve had a very poor experience with this insurer. They failed to respond to three or four of my emails, and despite requesting a call from management... Read more Reviewed on: 10th April 2026

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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 (957)

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

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