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Review of the 1st Central, Car insurance:

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If a price is too good to be true, it probably is!

If a price is too good to be true, it probably is. I had read online of 1st central customers claiming that they had their premiums increased and charges shortly after taking out a policy but thought it would give them a try. This company uses shady tactics to add additional premium charges and admin costs. I had used a comparison site to apply for my insurance, and they ask a date of purchase of the vehicle. The comparison site only asked the month and year but if this does not match to your V5C exactly like mine did not, the premium increases and a 50 pound admin charge is added on for the privilege. This is the first time i have ever been asked for a V5C, so this should have raised red flags. Technically in their right to do so, but this is a shady underhand tactic to raise extra income. And it is very clear this happens to many of their customers. This should not matter anyway as you do not need to own a vehicle to insure it. Reviewed on: 10th December 2025

Reply from 1st Central Hi Matt, Thank you for your feedback and we're sorry that your experience hasn't been as positive as we'd hoped. We don't change the information that you input into the Price Comparison Website, so whatever you enter into the PCW is what comes through to us. This is why we give everyone the opportunity to check and amend their details, on our website, prior to payment. All your policy details are checked through various other systems, such as the DVLA and shared insurance motor database, amongst others. If your details are found to be different to those that you put on your policy, when taking it out, we contact you by email and SMS, to check them with you. We're sorry to hear that there was an increase in your premium with the changes needed and we'll pass on your review to help improve our services. Clare Response date: 16th December 2025

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