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Angela Ni Cadhain

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Review of the 1st Central, Car insurance:

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Extremely disappointing service

Extremely disappointing service – avoid this insurance company I took out a car insurance policy with 1st Central, only to be contacted on the 15th day of my policy to verify some information. A very slight change in one of my answers resulted in an astonishing £160 increase in my premium. I found this increase completely disproportionate to the minor change in information provided, and frankly, it left me questioning how they could justify such an excessive additional cost. When I understandably decided that I no longer wished to proceed with the policy, I was then informed that I would have to pay a £140 cancellation fee. So, after being presented with an unexpected £160 premium increase over a minor clarification, I was effectively faced with another substantial financial penalty simply for wanting to walk away. The most frustrating and unacceptable aspect of this entire experience was the timing of their checks. 1st Central chose to contact me on the very day after the 14-day cooling-off period had expired. This meant that I was presented with a significant change to my insurance costs only after the period in which I could have cancelled under the cooling-off arrangements had ended. I find this extremely frustrating and feel that the timing deprived me of a fair opportunity to make a fully informed decision about whether I wanted to continue with the policy. I submitted a formal complaint explaining my concerns about the timing of these checks. It then took six weeks for 1st Central to respond. After all that waiting, my complaint was rejected, and the response offered very little reassurance or acknowledgement of why I found the situation so unreasonable. The entire experience has left me feeling thoroughly let down as a customer. At a time when the cost of living continues to put pressure on households, I find it particularly disappointing that a company can impose such a substantial premium increase over a minor change in information and then attach such a hefty cancellation fee when the customer decides the revised price is unacceptable. What particularly angers me is that this situation could potentially have been avoided if the checks had been carried out earlier, giving me the opportunity to properly consider my options within the 14-day cooling-off period. Instead, I was left feeling trapped between accepting a price I considered unreasonable and paying a substantial fee to cancel. I have now cancelled my policy, and I will never use 1st Central again. Their handling of this matter, the lengthy complaints process and the lack of a satisfactory resolution have destroyed my confidence in the company. In my opinion, this has been an incredibly poor customer experience from beginning to end. I would not recommend 1st Central to anyone looking for transparent pricing, fair treatment or decent customer service. I would actively encourage other motorists to look elsewhere before committing to a policy with this company. Cheap insurance is not worth the stress, frustration and financial uncertainty that I experienced. An utterly disappointing experience, an unsatisfactory complaints process and a complete loss of trust. I would not use them again under any circumstances. Reviewed on: 29th October 2026

Reply from 1st Central Hi We’re really sorry to hear about your experience and understand how frustrating it must have been to receive an unexpected change to your premium and then face additional costs when deciding to cancel. We also appreciate your concerns around the timing of the checks and your disappointment with the time taken and outcome of your complaint. We’re sorry that the overall experience has resulted in a loss of trust and ultimately led you to leave us. Thank you for taking the time to share such detailed feedback with us. Emily Response date: 30th October 2026

Review of the Admiral, Car insurance:

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Great quality and friendly service

I’ve been with admiral for a number of years now and I have been really happy with their service, their online facilities are great! Reviewed on: 13th August 2022

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