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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (911 reviews)

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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

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

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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

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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 (911)

Good company

Good to deal with never had any issues, bearing in mind I have not made a claim so I can't say how smooth that would be. But all in all my experience was good. Reviewed on: 12th January 2019

Quiet until something changes. Then they attack your wallet

Needed to add my wife onto policy. They refused. Even though she is 38 with no record of any claims or offences. So all I could do was cancel my policy to revert to another. They then have the nerve to charge cancellation fees. Even though I paid all insurance annually upfront. Won't be using 1st Central again. That is for sure. Reviewed on: 8th January 2019

Avoid Policy Changes

AVOID POLICY CHANGES Their business model is to make PROFIT FROM FEES, rather than fair premiums and happy repeat custom. My wife changed her vehicle from a 2012 Golf Gti 35 Edition (no claims) to a 2014 Volvo XC60. The market dictated the premium should have fallen for the XC60, BUT not at 1st Central. Their 'goodbye' quote was almost double the Golf at £840. Surprise, surprise, we were indirectly FORCED to cancel and they pocket a £50 arrangement (just past 14 days from renewal) fee AND £50 cancelation fee for no risk. Their customer service (I use the term loosely) stooge was rude and opened and closed my complaint case in the same minute and referred the debt to their collection thugs. We moved to Quotemehappy for £370. Reviewed on: 1st December 2018

They are cool.

Fast and reliable.Corespondence is also worth complementing Reviewed on: 21st November 2018

Great company

I have used 1st central for a few years now, they are always friendly and helpful over the phone Reviewed on: 9th November 2018

Car insurance

I have been using 1st central fo back coupe years now and have swapped cars with them a few times. Thier prices are reasonable and the online customer portal is very good giving you the ability to change most things very easily. Reviewed on: 9th November 2018

Good good

It is good because it was very useful and easy to set up Reviewed on: 8th November 2018

excellent service

great service at a reasonable prize Reviewed on: 23rd September 2018

Easy process

I had to change my car insurance halfway through as I changed my car and it was an easy process to update my details online, so I was not without cover. Reviewed on: 9th September 2018

TOTAL RIP OFF

Absolutely worst. They are cheap to start - that's true. But if you start making changes like address, adding drivers etc. They will charge you absurd fees. Sold your car and want to cancel? Another £100. No other company (RAC, TESCO, AVIVA and others) ever charged me for cancelling due to an sold car. I don't even want to think how hard would a claim process be with them. Also - Don't trust their reviews with Feefo. Those are all filtered to show 3 and more stars. TOTAL RIP OFF Reviewed on: 4th September 2018

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