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Review of the 1st Central, Car insurance:

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Extremely poor service, shocking!

I strongly advise you, indeed, I plead with you, to pay a little bit more towards your premium, for peace of mind and a better, more professional service than you will get from 1st Central. Please read about my experience below, where I hope to convince you of their poor practices. I signed up to 1st Central for my car insurance via a price comparison website. I had been a car insurance customer of 1st Central prior to this, but their renewal quote was higher when taken directly!?! 1st Central were the cheapest car insurance provider over more than 4 price comparison websites. When I logged into my 1st Central online account, I could only see my older car insurance policy, but not the newer policy. I thought that this would be uploaded soon by the company. By this point, I had already received an email confirming my policy number and a certificate of motoring insurance, so I was sufficiently reassured. Conveniently, AFTER 14 days of my policy starting, I received threatening emails asking me that I should confirm various details stated on my policy. They FALSELY alleged that I had had driving convictions. They also alleged that I had not mentioned my wife's driving penalty points (one of which was already on my previous policy with them!). When I attempted to view my policy again online (no paper copies are sent), the new policy still was not on my account. The finer details that they were requesting were not confirmed on the initial email with basic information. When I prompted 1st Central to include my newer policy on my online account, I noted that the details that I had inputted on various price comparison websites were not on the policy, e.g. my wife's penalty points and my self-employed status. I could not believe that I had not done this correctly, as I had used those price comparison websites the previous year, and most details were still the same, except the additional 3 points on my wife's licence... which WERE INCLUDED ON THE PRICE COMPARISON SEARCHES I HAD MADE, when I re-checked it, after their allegation. I asked 1st Central, from which price comparison website they obtained my custom, they stated in an email that this was from confused.com. I logged into my confused.com account, which showed "no recent search"! 1st Central dug their heels in and effectively doubled my premium on the spot, stating that the added details increased my premium accordingly. But when I had conducted multiple car insurance searches over the next week, the cheapest car insurance quote was still from 1st Central, very close to the INITIAL premium cost, EVEN when placing all the details they alleged to have caused my car insurance premium to double! This felt exploitative and unfair, so I found a reasonable car insurance alternative, and asked to cancel my car insurance. They implemented the cancellation policy when it is cancelled AFTER 14 days, although I requested the cancellation BEFORE the 14 days from when I could actually view the policy in full, due to their administrative error. There has clearly been an administrative error in the transfer of my inputted details on the price comparison website to 1st Central. But, coupled with their lack of administrative skill, and poor customer service, I would personally rank the service received from them as the worst car insurance experience in my 21 years of using car insurance. Reviewed on: 7th January 2026

Reply from 1st Central Hi Wisam, We’re sorry to hear on this occasion your experience with us hasn’t been as positive as we’d hoped it would be. We'd like to look into this further for you to help resolve this, please send an email to [email protected] with your policy number a summary of your experience similar to your review and we will look into it. Ashley Response date: 9th January 2026

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