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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

56% 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)

Worst I have dealt with cheap but nasty

Just changed my address on line with them, charged me £36. Expected my premium to go down but off course not stayed the same even though moving to a better area. Done the same and changed my address for my other car with a different company my premium reduced by half. Called them for an explanation, said there must be lots of car crime in the new address. Don't even try to cancel it, it will cost you a fortune £300 - £400 if not more. Not happy at all with this. Reviewed on: 2nd February 2018

Good service, quite reliable

I find their services quite useful and reliable. Reviewed on: 21st January 2018

CAR INSURANCE WITH EASE

I JOINED LAST YEAR, VIA COMPARE THE MARKET, THEY WERE CHEAPER THAN MY PREVIOUS COMPANY AND ONLINE JOINNG WAS SIMPLE! Reviewed on: 20th January 2018

No problems

My other car insurance company was just asking to much money, went onto a compare site and this company was the cheapest, i did everything over the Internet and all the forms where straight forward. Been with them for 5 months now and only had to ring once, my call got answered straight away and so was my problem. A* to the customers service team Reviewed on: 3rd January 2018

Rip-off merchants

Absolutely appalling company with limited customer support. Ridiculous cancellation fees and for this reason should be avoided. Reviewed on: 6th December 2017

£150 for a change of address

It cost me 35% of my original policy cost to change an address. On top of that my policy went up even though I was moving to somewhere that a) was being kept on a private driveway b) was in a private residential estate (apparently my car is therefore more at risk of being stolen. I also had to spend 35 minutes on the phone trying to sort some issues out. You get what you pay for, pay a little more to a company that don't make their money from charging you £150 for 1 minutes worth of work. Reviewed on: 30th October 2017

DO NOT USE THIS COMPANY - SERIOUSLY

Overall rating -5 Stars, recommendation? NO WAY, not even to my worse enemy Since cancelling my policy, 1st Central renewed without permission. Then I had to complain to the Insurance Ombudsman in order to get 1stCentral to admit their mistake. while this was going on I had debt collectors calling, emailing, SMS'ing, Voicemails, you name it. Once they admitted fault, you would think that its right? WELL NO! 2+ years after I still have CRS debt collectors badgering me and 1stCentral still trying to get money out of me. Reviewed on: 19th October 2017

1st central

would not recommend bought fully comp car insurance but this did not cover driving other vehicles( whitch is handy if ever needed) most fully comp policey's have this as standard found out after takeing out the policy. since i have seen reviews warning people of this.due to this would not recommend them. Reviewed on: 1st October 2017

Young first time driver, cheap insurance

Me and my partner were both 19 when we passed our driving test and purchased a car together, we did a quote and cheapest was 1st central, they always tried to keep us every year and were really helpful but unfortunately they couldn't match our next quote Reviewed on: 30th September 2017

great customer service

I bought car insurance online, website easy to use, great customer service and various rewards offered.Brilliant! Reviewed on: 29th September 2017

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