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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.67 (939 reviews)

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1.52

Based on 939 reviews, last reviewed 16th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

7% decrease 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

Took money out of my account but DIDN'T SET UP... Took money out of my account but DIDN'T SET UP A POLICY Reviewed on: 16th December 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 (939)

Run

Absolutely bloody awful, I’d rather risk public transport than ever deal with this bloody company again. Shocking and EXTREMELY RUDE customer service. I was off sick after a major operation, called to get some advice and was met with “well if you can’t afford the insurance perhaps you should return to work” most disgusting service I have ever received. Went online to check my policy and it said paid in full, got an email a week later to say it wasn’t paid, hit with a late fee and expected to pay it. Don’t ever use this company. Run a mile. Also changed my address from a PUBLIC car park to a PRIVATE driveway and they put up my insurance because it was “MORE DANGEROUS” actual jokers. Reviewed on: 29th May 2019

Bad experience

Hi there, I had very bad experience. Due to some personal reasons, I decided to cancel my car insurance after 31 days. I have been charged £50 for set up fee plus £50 for cancellation fee. They charged me total £100 for cancellation fee, it is double i expected. . Also they charged maximum interest from my first instalment, i mean they charged about £14 on £33, it was about 30% total interest of 11 instalments . Customer service was also very rude and not helping. My call was placed on hold or drop when I requested to transfer my call to manager or senior customer adviser. Very bad experience. I will not recommend any of my friend and family. Reviewed on: 3rd April 2019

Rubbish scam company

Disgusting customer service. Cancels ur insurance for no reason n charges u cancellation fees Reviewed on: 20th March 2019

Horrendous customer service

Avoid this company at all costs. Rude and unhelpful staff. Ludicrous fees and hidden charges. Reviewed on: 22nd February 2019

STAY AWAY- INCOMPETENT AND JUST SEEM TO WANT TO RIP YOU OFF

As soon as I needed to make a change things started to go wrong. Wanted to charge me almost double for changing to a slightly older less powerful car, clearly no more risk than the other. I took up a new policy with them again and got a better deal so accepted the cancellation fee for the old one as I had little choice. Since beginning the new policy, they have sent me email after email demanding documents which I kept sending over and over (Proof Of No Claims, (which had been with them anyway) proof of address, driving licence) accusing me of some kind of fraud.This has gone on for 3 weeks now. I must have sent the same things 10 times each, each time I just get threatening automated emails saying they will cancel my policy and charge £75 for doing so . I feel like they try and find things or leave things hanging so they can charge you the fees. They seem to be all about the fees, which is why perhaps their initial premium quote is the cheapest online. I still haven't resolved this with them and to be honest feel so stressed about it all. I would definitely not recommend them. Reviewed on: 1st February 2019

Bad service, hidden charges

Never again, hidden charges for everything, never answer emails, their the cheapest on line for a reason, do not fulfil their promises. Take my advise go anywhere else Reviewed on: 18th January 2019

Never again

1st Central is a disaster not an insurance company. Unlike the other reviewers I had to deal with this company regarding an actual problem. Liars and deceivers. Using clauses against you that are nowhere to be found in your policy. If they don't want to deal with you anymore, their are allowed to block your number for no reason, so that you can't call them again. And there is no other mean of contacting them. I filed a complaint - even that's been ignored. This company is a disaster, never again. Wouldn't recommend 1st central to my worst enemy. If you are thinking of buying their insurance, don't, for your own sake. It's like standing in front of a thief and voluntarily giving him a big sum of money. He will not only steal your money but he will also beat you up and run away with no consequences - that's how I was treated. Reviewed on: 17th January 2019

Good Work

Great customer service and value for money Reviewed on: 13th January 2019

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

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