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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.71 (965 reviews)

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1.71

Based on 965 reviews, last reviewed 7th Jun 2026

100% increase in 5 star reviews

in the past 90 days

8% 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

Please avoid this company, money grabbers! I purchased car insurance and then found a more comprehensive cover for the same price, so within 12 hours decided to cancel whilst policy was pending... Read more Reviewed on: 7th June 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 (965)

Avoid

Only two weeks into my policy and I have had serious problems with this outfit. They do not acknowledge any correspondence, preferring instead to send out automatic letters saying you haven't provided documents or made payment when you have. To cap it all their adjustment fees are excessive so it's difficult to get rid of them. Will not be renewing with them. Reviewed on: 24th September 2016

great customer service

Never had any problems, always easy to get in contact with. Best of all the cheapest car insurance for three years running Reviewed on: 23rd September 2016

Not Happy, they lied about an offer

I was sent a link offering me £50 off when I clicked a link. This I did, went through to the quote and at no point did the £50 come off my quote. I rang them and they came up with the lie that the policy must have increased £50 between the time of quoting to the time of buying, so after they applied the £50 discount the renewal price would be the same as the quote. Total lies. Very unhappy. Reviewed on: 22nd September 2016

Very good price but average service

Customer service is a turn off but price is ok. Reviewed on: 22nd September 2016

Average really

1st central have been my car insurers for the past three years. I've not really had any problems with them, some mis-communication over changing my policy from personal use to personal business use, but we sorted that out. Overall my experience with them has been problem free Reviewed on: 22nd September 2016

quick and simple

so far so good. cheapest quote for me on comparison sites, straightforward form and done in a few moments. Reviewed on: 21st September 2016

Good company

I switched my car insurance from Debenhams, to 1st Central. Poepole over the phone were polite and helpful. They gave me decent quote for the cover i was looking for and setting up account with them was easy. So far, so good. Lets hope they keep up looking after their customers and keep providing best prices. Reviewed on: 31st August 2016

All FAB

Just took out car insurance with these and have to say that I was pleased with the prices offered. The website is very clear and easy to understand. I telephoned with some queries before going ahead and found they were very helpful and polite. It does state that payments can be made 6 days before or after the start date of your policy (for direct debits). So far very impressed and hopefully next year they wont do the same as all the others and virtually double the price. Reviewed on: 31st August 2016

Appalling company, AVOID!!!

Appalling company, nothing gets solved but charge ridiculous fees for admin when actually their correspondence is misleading and conflicting in every way. Their team also lie when answering your questions. Every phone call takes over an hour while you are put on hold for no reason by totally imcompetent staff members. The staff never give you an apology for their total unprofessionalism. Will NEVER use 1st Central again. Reviewed on: 31st August 2016

Worst insurance company

Apparently I can't have my direct payment come out the day k get paid on the 28th, because you can only have a direct debit set up 6 days before or after your start date! And customer services refuse to change the date! This is ridiculous and am occurring 30 charges each time! Totally money grabbing company! I will be cancelling and going somewhere who have better customer service skills! Reviewed on: 26th August 2016

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