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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.66 (941 reviews)

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1.52

Based on 941 reviews, last reviewed 24th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

7% 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

Misleading information I requested a quote to renew my policy and accepted it over the phone. On the very last day of my cooling-off period (22/12/2025), I received an urgen... Read more Reviewed on: 24th 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.

1st Central Car insurance reviews (941)

Review of the 1st Central, Car insurance:

Pleasure

It was a great pleasure to have the opportunity to collaborate with this insurance company. They have a good value for money and a great management. Reviewed on: 2nd June 2024

Reply from 1st Central Hi Ecaterina, Thank you for your review and for choosing 1st Central this year for your car insurance. Ashley Response date: 3rd June 2024

Worst insurance company!

Worst insurance company! Have never had such a bad experience like with 1st cetral they wanted to charge me £640 for makinga change Reviewed on: 11th February 2025

Reply from 1st Central Hi Klaudia, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. If you’d like to speak to the team about this process, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. Ashley Response date: 12th February 2025

Almost got me arrested

Opened a new policy in November, now currently February 2025. It turns out these scammers cancelled my insurance without telling me and allowed me to drive round for months without insurance! I’m lucky I was not arrested or in an accident. AVOID Reviewed on: 6th February 2025

Reply from 1st Central Hi Tom, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We'd like to look into this further for you to help resolve this, please send an email to [email protected] with your policy number a summary of your experience similar to your review and we will look into it. Ashley Response date: 7th February 2025

The worst experience and the worst insurance company.

The worst experience and the worst insurance company. My car broke down at the beginning of the insurance and they refused to suspend the insurance or even cancel it. I called for several months and every time they kept me on the line for an hour and told me that someone would return to resolve my problem as soon as possible. In the end, no one called me. I do not recommend this company at all. The worst dealings with customers. Reviewed on: 31st January 2025

Reply from 1st Central Hi Rajab, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We'd like to look into this further for you to help resolve this, please send an email to [email protected] with your policy number a summary of your experience similar to your review and we will look into it. Ashley Response date: 3rd February 2025

SCAMMERS Untrustworthy keep well away from this c...

*SCAMMERS * Untrustworthy keep well away from this company. Reviewed on: 30th January 2025

Reply from 1st Central Hi Benny, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 31st January 2025

Will increase policy

Started my policy they then asked me for more information I provided said information they then hit me with an increase and an admin fee which resulted in my policy doubling. I tried to cancel and they made it so expensive to leave I ahd to stay. Will not be renewing with these. Reviewed on: 23rd January 2025

Reply from 1st Central Hi Garry, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. If you’d like to speak to the team about this process, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. Ashley Response date: 24th January 2025

the duplicate your policy by accident.

the duplicate your policy by accident....I did get a refund for this but it was a headache.... I called them when i got a new car to cancel and go with someone else and they didn't do it so months later I had to ring them up again where they required email proof I was with someone else.....then said they have to wait to get that email cause the person on the phone couldnt see emails....will not be going with them again. Reviewed on: 20th January 2025

Reply from 1st Central Hi Tzice, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We’ll use your comments to help improve our service. Ashley Response date: 21st January 2025

Ridiculous charges

I’m still with 1st central unfortunately and have only been with them a few months otherwise I’d cancel but ever since signing up the payment fails to come out my bank coincidentally so then I’m hit with a £15 fee every month but it seems to take the payment when I do it manually online you don’t need to be a genius to work out 12 months of £15 is an extra £180 they are going to get off me for the year for an error on their behalf. Reviewed on: 16th January 2025

Reply from 1st Central Hi Bradley, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We advise of our late payment fee when a policy is set up. We also have this FAQ - https://help.1stcentralinsurance.com/motor/payments-and-fees/why-have-i-been-charged-extra-on-my-direct-debit You can also move your monthly payment date, we have this FAQ for this - https://help.1stcentralinsurance.com/motor/payments-and-fees/can-i-change-my-car-insurance-payment-date Please speak to our team on 0333 043 2088 or speak to us on web chat which can be found on our website. We’re here to help from Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm. They can assist you with moving this date. Ashley Response date: 17th January 2025

So my son passed his test 27th Apr 2023,he was stopp...

So my son passed his test 27th Apr 2023,he was stopped by the police may 27th 2023,he went to court 5th Dec 2023,where he was convicted of a DG10 and recieved 12 month ban. 1st central were the cheapest insurance we could find since getting his licence back and still cost £3,881 for the year paid in full 8-12-24,1st central are now trying to say we put wrong date he passed his test (we didnt) and also saying we put wrong date he was convicted we put 5-12-23 the date he went to court and was convicted, but apparently that's wrong we should have put the date the offence occurred 27-5-23?? But he was NOT convicted on that date, and are now demanding another £1,908.75 2 change the dates we apparently put wrong (which are not wrong) otherwise they are cancelling his insurance!! Absolutely disgraceful that they can do this,and how they think it's acceptable to be charging £6,000 for 12 months car insurance, may I add,that is just bog standard fully comp,no added extras,breakdown cover or anything like that,and he also has a telematics box too. I will be cancelling his policy and I will also be contacting the ombudsman and the FCA regarding this as I think it's absolutely disgusting they can get away with this!! Reviewed on: 6th January 2025

Reply from 1st Central Hi Bridget, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. If you’d like to speak to the team about this process, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. If there’s anything you’d like us to look into for you, please contact us by sending an email to [email protected]. Please include your policy number and details of what’s gone wrong, and we’ll see if we can put things right. Ashley Response date: 8th January 2025

Distrustful customer service

Spent two separate calls of 10-15min in the past week (Christmas time) trying to get two 1st Central advisors to accept my annual mileage estimation (average based on last 3yrs worth of MOT certificates) and 1st Central flat out didn't want to believe me! In over 20yrs of insuring cars I've never once been treated with such distrust over my submitted details. Awful company that I'll be going out of my way to avoid once my policy runs out. God help me if I need to process a claim! Reviewed on: 23rd December 2024

Reply from 1st Central Hi Albert, Thank you for your feedback. We’re sorry to hear about your experience with us. All details on the policy impact the price of the policy we offer, if details are found to be incorrect we need to update them and this can impact the price of the policy. If you’d like to speak to the team about this process, please give us a call on 0333 043 2095. We’re here to help from Mon-Fri: 9am to 5pm. Ashley Response date: 27th December 2024

I had a policy with 1st Central three years ago, an...

I had a policy with 1st Central three years ago, and my experience was terrible, as I outlined in a review back then. Unfortunately, I feel compelled to write another review because a month ago, they started harassing me for a payment that I had already paid in full three years ago. Initially, I thought the letters were a scam because the policy was settled, and I had no outstanding balance. However, I then received a court letter demanding payment. Since then, I have been desperately trying to get an explanation from 1st Central. After multiple calls, they themselves admitted verbally that I had paid the amount in full and that they didn’t understand why their system said I owed money. Despite this acknowledgment, 1st Central referred me to JC International Acquisition to deal with the matter. This company is impossible to contact—I have called over 100 times, left voice messages, sent emails, and submitted forms, all without any meaningful response. When I finally got a short reply, they told me they couldn’t help and had referred my case to BW Legal. When I contacted BW Legal, they told me they couldn’t do anything and that I needed to speak with JC International Acquisition. This back-and-forth between companies has been exhausting and stressful, all because of 1st Central’s error. 1st Central now refuses to provide my payment history, likely because they are aware they made a mistake. They have locked my file and refuse to give me any further information. For a policy that was active three years ago and canceled after just two weeks due to their lack of transparency, I now find myself in this frustrating and unnecessary situation. I have proof, including bank statements, showing that I paid every penny. I am prepared to go to court over this. This company has been sending me in endless circles, causing immense stress, and their refusal to resolve the issue is appalling. Based on my experiences, both three years ago and now, I can only describe this company as untrustworthy and a scam. Avoid them at all costs. Reviewed on: 22nd December 2024

Reply from 1st Central Hi Suzi, Thank you for your feedback. We’re sorry to hear your experience with us hasn’t been as positive as we’d hoped it would be. We would like to look into this further for you to help resolve this, please send an email to [email protected] with your policy number a summary of your experience similar to your review and we will look into it. Ashley Response date: 27th December 2024

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