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Elvis Idegbekwu

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Review of the 1st Central, Car insurance:

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Not even good enough for 1 star

This has to be my worst experience with an insurance company. 2019, my CAT was stolen. I called my insurer to inform them as the terms and conditions stipulated. I never claimed it was just a notification. I paid for the replacement of my CAT and moved on. 2022, I took on a policy with 1st Central and paid for the entire year. As usual, they requested my NCD; I sent it. There was no acknowledgement and no further request until June 2023, just over one month before my policy was due to end. I was told there is an outstanding document. This time, they explained that they require evidence of claims history, not NCD. Apparently, there was a claim registered in my name in 2019. I am unsure how this adds up because I sent an NCD from my previous insurer, which confirms there was no claim. I had to get a letter from the insurer from 2019 substantiating no claim was made and that it was a notification only. Despite this, 1st Central wanted more money for a policy due to elapse in just over 1 month. I was told to pay over £200 more or stand the chance of having my policy cancelled. In the end, it was financially more sensible to terminate my policy a few weeks before it was due to end. I requested a refund, and according to their calculation, I was due £8. This is for the same period they wanted over £200 for. They didn't stop there. They sent me an NCD but only gave me the same 5years NCD I had when I took on the policy with them. After waiting for another week, I called and spoke to a gentleman who explained that this was an error and that he would get the correct department to update and resend. I contacted 1st Central again and spoke with a lady who explained that 1st Central would not be issuing me with an NCD because I did not complete the year with them; again, another twist with no warning and no communication prior. Before 1st Central, I was insured. I was not punished for notifying my previous insurer that I was a victim of theft, and I was issued the correct NCD. Why is 1st Central different? I would walk everywhere if this insurance company were the only one in the country. I am now, for the first time in my life, going to be complaining to the Financial Ombudsman. This is not fair! Reviewed on: 3rd August 2023

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