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Naser S

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Review of the 1st Central, Car insurance:

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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 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. Reviewed on: 16th June 2025

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