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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (947 reviews)

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1.51

Based on 947 reviews, last reviewed 23rd Jan 2026

100% decrease in 5 star reviews

in the past 90 days

38% increase in 1 star reviews

in the past 90 days

12%

79%

Latest highest rating:

5

Good and not too expensive Was looking for good value car insurance and found this one. Not too expensive and so far can’t say anything bad. Very easy to sign up. Reviewed on: 5th September 2025

Latest lowest rating:

1

Bait-and-switch insurer Feels like a scam – stay away Quoted one price, then after the policy started 1st Central changed things retrospectively, increased the premium and a... Read more Reviewed on: 23rd January 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 (947)

Absolutely awful

Avoid by all means, you will thank me later. Without any doubt the worst, nightmare insurer I ever dealt with! They will rip you off of your money and later trick you into automatic renewals and extra huge fees. Stay well clear from them! Reviewed on: 29th June 2021

The best and affordable car insurance on the market

They’re excellent in dealing with client’s plight in times of need. Reviewed on: 14th June 2021

Useless, rude, lazy, unresponsive, pathetic

Useless, rude, lazy, unresponsive, pathetic Reviewed on: 7th June 2021

Never insure with this company!!

Once you are insured with them they will try and find anything to make you pay extra. Also constantly threatening to cancel your policy because they need more documents even after you’ve sent them numerous times. We used a compare website which did not allow me to enter an exact date I passed my test so got charged an extra £700. Unhelpful, constantly putting the phone down and rude. Please don’t be stung by this company. Reviewed on: 24th May 2021

Admin fees

Kind of messed up the date when I passed my test and was charged £85 on my premium Thieves and rogues who know what there doing, every customer will get the same treatment Wish I never went near them am now higher than what I was last year Reviewed on: 12th May 2021

Thieves!

The Bunch of cheaters!!! They think they can do everything because they have all the money and power, just because they are big company does not allow them to do what ever they want to customers. They messed up and they investigated themself with outcome of no errors on their side, which doesn't surprise me at all. Do not choose this thieves ever!!! Reviewed on: 26th April 2021

Good service great

Thanks the professionals are there Reviewed on: 16th April 2021

Thanks for service

The company has a great product availability Reviewed on: 16th April 2021

£50 non-refundable cancellation

UPDATE - I have since been contacted and refunded. The customer service girl Linda was excellent. She said they are looking into this as a change for their systems. Took out a policy, needed to cancel, apparently somewhere nicely hidden in small print among all the 14 day cool off promises; it says that I would get charged a £50 non-refundable fee if I cancel (despite me doing the policy myself online, and cancelling within 2 hours.) Nicole B delighted in telling me that it says that I'd be charged. If you are stupid enough to take out insurance with these people, good luck! Reviewed on: 9th April 2021

Avoid at all costs

Beware Beware! Just got stung for an extra amount that was due to me not giving EXACT date that I or my husband passed our tests. We both passed over 20 years ago and I had no idea of the exact dates. Innocent mistake that I am now paying for - be warned Reviewed on: 26th March 2021

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