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1st Central: Car insurance reviews

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1.52
Based on 930 reviews, last reviewed 30th Oct 2025
300% increase in 5 star reviews
in the past 90 days
41% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
12%
See only 4 star reviews
5%
See only 3 star reviews
2%
See only 2 star reviews
2%
See only 1 star reviews
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
Matus's avatar
Matus

Latest lowest rating:

1

Avoid - Coercive pattern,will trap you, non consented £ DO NOT USE!!!! you will be trapped into paying extra!! i have been with 1st Central for a good few years now, since 2019 and i have not had any issue... Read more Reviewed on: 30th October 2025
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Jess
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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 (930)

Terrible service

1
Worst service. Renewed last April and had nothing but problem every single month. Kept sending me a default notice - even though they were at fault and failed to take my monthly payment out. I had to telephone every single month for them to take the payment. Cancelled and paid the remainder of the policy and they still took a card payment 1 week later even though I had cancelled and paid off. they have taken payment without my authorisation! THEFT and FRAUD spring to mind. DO NOT USE - CHEAPER IS NOT ALWAYS BETTER!! Reviewed on: 20th March 2016
Lmarie's avatar
Lmarie

CheekyCharges Campaigner

3
They say you can change details online for cheaper than if youwere to call them however it would not work for me so i had to call them to change my address Reviewed on: 11th March 2016
Jess Lambert's avatar
Jess Lambert

CheekyCharges Campaigner

3
Ok very basic currently looking around for other offers Reviewed on: 29th February 2016
Indi Sapara's avatar
Indi Sapara

Took ages to sort out an accident that was not my fault!

2
My car was hit when parked by a truck. 1st Central said they'd take control of the claim but simply handed it over to a shady third party claims management company, and then refused to discuss the matter further with me. They eventually compensated me for the inconvenience but come January I'll be moving my policy to someone else. Reviewed on: 10th November 2015
Chris Redman's avatar
Chris Redman

Smooth operation from the start to the end

5
he customer service are excellent and I have no issues with them and even get multi-car discount. I am very pleased and look forward to be insured by them for next year Reviewed on: 5th November 2015
mastergarner's avatar
mastergarner

Would never recommend 1st central insurance

1
Changed car from 2 litre 7 seater Galaxy to 1 litre Ford Focus. They did not lower premium instead put it up with admin fee. Then they said they would charge me £175 if I wanted to cancel. I could have got a policy elsewhere for £12 per month but I have to pay £ 33 per month for a 1 litre car as I can't afford the cancellation fee Reviewed on: 12th October 2015
Amanda's avatar
Amanda

Disgusting customer service, would give 0 stars if I could.

1
1st central are trying to charge me for a non disclosure that I did in fact disclose. After getting no where on the phone and being called a liar by two members of staff, I decided to write on their Facebook wall. They have now deleted my comments on their wall. Absolutely disgusted, avoid, avoid, avoid! Reviewed on: 28th August 2015
Jodie's avatar
Jodie

Absolutely, the worst insurance company in the world!

1
A dustcart hit my parked, stationary car on 15 August 2014 (almost a year to the day). Heavily pregnant (I went into labour that evening), trying to sort out my claim and a hire car, the service I received was totally incompetent. To this day, I am still trying to retrieve my £250 excess. 50 plus telephone calls, at least 20 emails and facebook messages, and I am still no further. I did at one point think it was sorted when I received a cheque, however, after banking this cheque it bounced!! No apolgies, no reasoning nothing!! Disgusting service, not even worth the 1 star. DO NOT INSURE ANYTHING WITH THEM Reviewed on: 31st July 2015
Kellie Oakley's avatar
Kellie Oakley

always been really good

5
My review will be about it all Buying. Simple. It has always been easy to purchase insurance from 1st central, and the policy has always been fair, getting a good deal for your money. Insurance with 1st Central has always been a great price. Normally with cheap insurance you get bad service for your money, but we have never experienced that, Changing something It has always been simple and straight forward to do any changes, we've previously changed cars with the insurer, and they made no fuss, and no silly charges to do so. Day to day contact They have always contacted us with any changes. We've also used their renewal quotes that roll over for another year iinsurance (even with comparing first) They have always been readily available to speak with and always ensure they help and see matters through Leaving Never had to leave. The company , in our experiences, has never let us down :) Reviewed on: 23rd April 2015
Jessica Mackenzie's avatar
Jessica Mackenzie

Terrible customer service

1
My non fault claim at 1st central insurance took over a month to sort. I was lied to by 1 call handler. My calls weren't logged or followed up on numerous occasions. Was left without a hire car for 3 days. The stress it caused making this claim was totally unavoidable. The only saving grace was Lee in the complaints dept, who sorted the issue out within 2 days. Reviewed on: 26th March 2015
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onlymearound

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