Write a review

Go to business site

1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.5 (956 reviews)

View other 1st Central products

1.50

Based on 956 reviews, last reviewed 10th Apr 2026

No new 5 star reviews

in the past 90 days

29% decrease in 1 star reviews

in the past 90 days

11%

80%

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

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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

1st Central Car insurance reviews (956)

Avoid At All Cost's Scammers Whom Rip You Off

took out insurance as they were the cheapest They Started my policy 2 weeks earlier not on the date i said i declared i had 1 fault accident in last 10 years This morning they took 170 from my account out of the blue as they said i did not declare the accident i declared bear in mind was not to start to 24/10/16. phoned them up man was really obnoxious and said well what u want me to do about it. ?????? Luckily i record all important conversations from the start even ask the name of person im talking to etc date and time. re phoned and they said they will refund as i have now cancelled with no fees .... so will have to wait... to top it all put me overdrawn so now paying bank fees. Update 4 NOV 2016 Bank waved all fees and 1st insurance after hours of continually calling gave me a full refund so happy now Reviewed on: 19th October 2016

Great value and easy to use

I received an email from 1St central as had been a customer in the past, they offered a discount if I came back to them. Went on a well known price comparison web-sites then half heartily took them up on their offer to try them..... they beat the comparison website prices, wish I had tried them first, and they made it really easy to take out a policy... Thanks guys. Reviewed on: 19th October 2016

Happy with the company's offer

Only a week with 1 st Central. happy with the offer so far ! Hope it all goes smoothly for the whole period ! Reviewed on: 16th October 2016

Insurance Without a Fuss!

Considering how onerous finding and then joining insurance companies can be, this was a walk in the park! I was happy to find that the quote I got through a price comparison website is exactly what I ended up paying. (It has not always worked out this way, believe you me.) When I elected to insure with 1st Central everything just went smashingly well. I did not have trouble getting my documents, and of course, I could do anything else online. That is how it ought to be, because I have no time for being held up by a voice message that, "we are very busy today"! (And invariably it is the same message every day! Thank you for doing it the easy way. Keep up the good work, or else, with very fickle customers these days, you will be left alone. Reviewed on: 14th October 2016

Unexpected Extras from 1st Central

I recently took out a policy with 1st Central, as they were the cheapest around with the best cover. I was surprised that they sent me details of a website where you can also get cashback and discounts on vouchers etc, free for thos who have insurance with them. Also, no hassle with the policy which I took out and can amend online. Reviewed on: 13th October 2016

A complete scam of a company

Don't be fooled by there cheap price, as the saying goes if its to good to be true. Well these people are out to sting you by admin charges to bring thier price to the correct market value. Had noting but problems from the very start we did not know if we were insured or not as there system was supposedly down for 72 hours, then there email system was not working. after a 53 minute wait on the phone they confirmed that we were insured then to receive there first letter asking for proof of everything or £ 75.00 admin charge. Reviewed on: 7th October 2016

Fantastic

Easy to deal with, quick and efficient, no complicated jargon, felt very satisfied when received quote for insurance Reviewed on: 5th October 2016

very bad customer relations

I purchased insurance with this company and filled out their form they asked if I had a claim I said no as I cancelled it with my previous insurance company and their policy too they loaded me up with a £150 further payment when you call them they take ages to answer and put you on hold for over 30 minutes DONT DEAL WITH THEM A TOTAL WASTE OF MONEY IF ANYONE DECIDES TO READ THIS Reviewed on: 3rd October 2016

I'm so disappointed, they ask me for 15 years back documents.

I do not recommend this company at all, 1st I had a quate from comparing the market when I spoke to one of the assistants she increased the price, 2nd they ask me for back to 15 years document which I have never been asked, I have 12 yrs NCB. 3rd I purchased fully comprehensive, BUT they do not allow me to drive any other car such as friend or family again this is my first car insurance with comprehensive and do not permit me to drive other cars. I DO NOT RECOMMEND THIS COMPANY AT ALL, they offer me £30 Amazon voucher to recommend them to anyone; this is my recommendation I do not need £30 voucher. Reviewed on: 29th September 2016

Disgraceful, stay away

I am currently in a dispute with them, they took £444 from my account without permission. Reviewed on: 27th September 2016

Do you have a different 1st Central product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Caravan Insurance
from Coast Insurance 4.70 from 63 reviews
Motorbike Insurance
from Devitt Insurance 1.43 from 12 reviews
Car insurance
from Acorn Insurance 3.74 from 158 reviews

Want to see more from 1st Central?

Breakdown cover
from 1st Central 4.41 from 16 reviews
Personal accident
from 1st Central 2.23 from 5 reviews
Home insurance
from 1st Central 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub