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1st Central: Car insurance reviews

View other 1st Central products
1.73
Based on 968 reviews, last reviewed 17th Jul 2026
100% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
11%
See only 4 star reviews
5%
See only 3 star reviews
2%
See only 2 star reviews
2%
See only 1 star reviews
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
Jade's avatar
Jade

Latest lowest rating:

1

Horrendous! Cheaper for a reason.... what a scam!!! Horrendous! After 3 weeks into my insurance with them, they contacted me to say they had increased my mileage a year as they have access to all previo... Read more Reviewed on: 17th July 2026
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G W
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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.

Review 1st Central: Car insurance now

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1st Central Car insurance reviews (968)

Car insurance

4
Cheapest for fully comp. Great customer service. The only downside is the wait to get through on the phone. Reviewed on: 10th February 2018
Cheryl36 's avatar
Cheryl36

Worst I have dealt with cheap but nasty

1
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
Unhappy customer's avatar
Unhappy customer

Good service, quite reliable

5
I find their services quite useful and reliable. Reviewed on: 21st January 2018
Bilyana Katsarova's avatar
Bilyana Katsarova

CAR INSURANCE WITH EASE

5
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
Rochelle Lear's avatar
Rochelle Lear

No problems

4
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
Kevin's avatar
Kevin

Rip-off merchants

1
Absolutely appalling company with limited customer support. Ridiculous cancellation fees and for this reason should be avoided. Reviewed on: 6th December 2017
Bruce Robertson's avatar
Bruce Robertson

£150 for a change of address

1
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
Martine Prudente's avatar
Martine Prudente

DO NOT USE THIS COMPANY - SERIOUSLY

1
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
John Minogue's avatar
John Minogue

1st central

3
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
lee morris's avatar
lee morris

Young first time driver, cheap insurance

5
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
Leah Morris's avatar
Leah Morris

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