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1st Central: Car insurance reviews

Name: Car insurance
Rating: 1.73 (968 reviews)

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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

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

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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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 (968)

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

Poor Service, Avoid At All Costs

Did not send out the policy documents, over a week later wanted to put up the insurance by £288 because I made a mistake on the for. Cost me to leave them even though it was within 14 days of joining them. Reviewed on: 26th September 2016

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

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