1st Central reviews

1st Central reviews
Verified businesses always have up to date contact details and can respond to reviews.
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FCA approved and regulated
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Award winning organisation
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Fully digital service with no in-person branches
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On-line application and approval process
Review summary
People rate this company as Poor based on 924 product reviews
Latest positive rating
Found you online,needed a cheap quote,you certainly...
Found you online,needed a cheap quote,you certainly provided it.Thank you
Latest negative rating
It feels dishonest and manipulative!! Avoid them!!
I initially received a quote over the phone, which I agreed to, and even got a confirmation email with the agreed amount. Later, I received... I initially received a quote over the phone, which I agreed to, and even got a confirmation email with the agreed amount. Later, I received another email saying my monthly payment would be higher than what was agreed. I had to call and go through a long, frustrating conversation just to get them to honor the original quote. Weeks later, while I was on holiday, I received another email asking to confirm some details. I called and was told my premium would increase by £150 per year because I hadn’t updated my job title after a recent promotion. I called again, spoke to a manager, and explained the entire situation — including the previous attempt to increase my payments — but was met with no support. The manager simply repeated company “procedures” and showed no willingness to help. This company clearly tries to take advantage of customers by increasing premiums after agreements have already been made. It feels dishonest and manipulative. I’m extremely disappointed and will never use their services again. Avoid at all costs! Read more Read less

About 1st Central
1st Central is an award-winning, UK insurance company.
Launched in 2008 in Haywards Heath, today 1st Central policies currently protect more than 1.4m people across a range of products. You can get a quote and manage your policy online.
1st Central provide car and home insurance policies. You can also get breakdown cover and personal accident cover.
1st Central at a glance
Reviews for 1st Central
Showing 11 of 924 company reviews • Last reviewed within 7 days
It feels dishonest and manipulative!! Avoid them!!
I initially received a quote over the phone, which I agreed to, and even got a confirmation email with the agreed amount. Later, I received... I initially received a quote over the phone, which I agreed to, and even got a confirmation email with the agreed amount. Later, I received another email saying my monthly payment would be higher than what was agreed. I had to call and go through a long, frustrating conversation just to get them to honor the original quote. Weeks later, while I was on holiday, I received another email asking to confirm some details. I called and was told my premium would increase by £150 per year because I hadn’t updated my job title after a recent promotion. I called again, spoke to a manager, and explained the entire situation — including the previous attempt to increase my payments — but was met with no support. The manager simply repeated company “procedures” and showed no willingness to help. This company clearly tries to take advantage of customers by increasing premiums after agreements have already been made. It feels dishonest and manipulative. I’m extremely disappointed and will never use their services again. Avoid at all costs! Read more Read less

1st Central
Will Never Insure with 1st Central Again
I’ve been a loyal customer of 1st Central for nearly four years. Never missed a payment, never made a single claim. You’d think that would... I’ve been a loyal customer of 1st Central for nearly four years. Never missed a payment, never made a single claim. You’d think that would count for something. Unfortunately, it doesn’t. I recently sold my car and cancelled the policy. It was my first time paying monthly for a full-year policy, and I was shocked to find out that cancelling halfway through the month — a month I’d already paid for — resulted in a £48.53 cancellation fee with no refund for the unused time. Apparently, paying monthly is actually a finance agreement, not a true month-by-month policy. It felt misleading, and left a bitter taste. Worse still, when I changed cars and tried to insure my new Land Rover Discovery, 1st Central outright refused to cover it, claiming it’s a vehicle frequently targeted by thieves. What’s the point of car insurance if the moment you actually need to insure a valuable or high-risk vehicle, they simply say no? I’ve had enough. I will never insure with 1st Central again. I expected a fair, professional service — instead I was left paying fees, denied cover, and questioning the entire point of their offering. Do your homework before choosing them. Just because they’re cheap up front doesn’t mean they’re fair in the long run. Read more Read less

1st Central
Products from 1st Central
Car insurance
by 1st CentralWith 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...
Car insurance
by 1st CentralWith 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...
Breakdown cover
by 1st Central1st Central offer breakdown cover, provided by the RAC. You can choose from five levels of cover: RAC Roadside Only, RAC Roadside + Recovery, RAC Roadside + At Home, RAC...
Breakdown cover
by 1st Central1st Central offer breakdown cover, provided by the RAC. You can choose from five levels of cover: RAC Roadside Only, RAC Roadside + Recovery, RAC Roadside + At Home, RAC...
Personal accident
by 1st Central1st Central Personal Accident Cover provides protection for anyone in the car, including the policyholder, named drivers and any passengers. Cover is up to £60,000 for people over 16 and...
Personal accident
by 1st Central1st Central Personal Accident Cover provides protection for anyone in the car, including the policyholder, named drivers and any passengers. Cover is up to £60,000 for people over 16 and...
Home insurance
by 1st Central1st Central home insurance provides cover for contents, buildings or both combined. You can add additional cover to a 1st Central home insurance policy including accidental damage, home emergency cover,...
Home insurance
by 1st Central1st Central home insurance provides cover for contents, buildings or both combined. You can add additional cover to a 1st Central home insurance policy including accidental damage, home emergency cover,...
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