1st CENTRAL Insurance Reviews 167,789

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the competitive prices and the ease with which they can obtain car insurance. Many appreciate the straightforward online process, finding the website clear and easy to navigate. Consumers also value the ability to customize their policies and the reminders about renewals. A significant number of reviewers highlight that the final price often beats other quotes, and some even report lower renewal costs compared to previous years. People express satisfaction with the overall service, particularly when interacting with advisors. They describe them as polite, professional, and helpful. The long-term relationship that consumers establish with the company is often mentioned, with many expressing a desire to remain customers due to the consistently fair treatment they receive. The efficient handling of claims also receives positive feedback, with reviewers noting the compassion and support they received during stressful times.

Based on these reviews

Rated 4 out of 5 stars
Verified

Its early days, to comment, w'ell wait before commenting. Can you post all the details, asap, especially the breakdown details. Address- Alan Oliver, 5 Lakin Close, Carshalton, Surrey, SM5 3DU. Tha... See more

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Rated 5 out of 5 stars
Verified

A very easy setup glad that I decided on this insurance cover. The cover itself is so much cheaper than getting it done via a broker and with every thing costing so much more at present it's great to... See more

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Rated 4 out of 5 stars
Verified

I long time customer can’t always get app to open and receive messages to renew insurance even when I have done so. Very stressful as last thing you want to happen near car insurance expiry date... See more

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Rated 5 out of 5 stars
Verified

Very straightforward to complete online, the price was great compared with many others I had looked at. As an 80 year old driver I only do less than 2500 miles a year only around town and area, there... See more

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Rated 3 out of 5 stars
Verified

Overall a very fair price for my car insurance, it wasn’t clear that you should change the start date of the policy during application online, after contacting customer support via chat bot I was told... See more

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Rated 5 out of 5 stars

Outstanding service from Sebastian Sanger! Sebastian was absolutely brilliant — he dealt with my query straight away and made everything so easy from start to finish. He was professional, friendly, a... See more

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Rated 5 out of 5 stars

Great renewal price even lower than last year by quite a lot which is rare nowadays!didn’t have to do anything as set automatic and emailed well in advance to notify renewal price

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Rated 5 out of 5 stars
Verified

Able to do easily sort online. Felt A bit long winded though. With some Questions asked already answered. After going to purchase. My only issue. Probably not for others I understand that. But ver... See more

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Rated 5 out of 5 stars
Verified

First and foremost the quote for my vehicle was the best. Easy to navigate the application and the ability to include and/or exclude options pertaining to the policy was straightforward. Subsequent se... See more

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Rated 4 out of 5 stars

Having observed my son doing the application on line it appeared to me he managed to complete the forms easily without any hindrance. This made my life easy as I am not that IT savvy.

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Rated 5 out of 5 stars
Verified

Generally ok Adding optional extras a pain Could do with just a simple tick list as everytime u tried to check out it came up with optional extras on my previous provider policy and not on this... See more

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Rated 5 out of 5 stars
Verified

the set up of insurance was easy and chatting to someone on line was good. still cannot get on my account after numerous times. my partner tryed to get insurance but would not accept his bank detail w... See more

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Rated 5 out of 5 stars
Verified

Really useful website in respect of sorting out insurance for my car. Everything, was shown clear and I could understand all of the policy details and could change things if I needed more to be added... See more

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Rated 3 out of 5 stars
Verified

The quotation that I received from you gave the start date for the policy as the 6th October as I requested. You took the money out of my account on the 27th September! The quote that I was given had... See more

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Rated 3 out of 5 stars
Verified

Service was great until I asked to change date of my start date from 10th October to the 9th October and was told I can’t and would have to start a new quote. How ridiculous that you can’t change a 10... See more

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Rated 5 out of 5 stars
Verified

Been with central for several years, l have shopped about for better insurance but never found a better quote. It is mainly online but easy to navigate.also helpful when phoning although does take a w... See more

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Rated 3 out of 5 stars
Verified

Having decided to accept a quote for car insurance over the phone, the whole transaction was frustrating and difficult. I am disabled and use hearing aids. I had to type in my card numbers using the k... See more

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Rated 3 out of 5 stars

The quote was cheapest I have found. However, when actually going through the process there were some hidden fee's that were not included in the original price found on the comparison site.

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Rated 5 out of 5 stars
Verified

Getting my car insurance from 1st Central was an excellent and easy process. Clear necessary questions were asked. All that at an excellent price. I can highly recommend.

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Rated 4 out of 5 stars

The quote I received via a comparison site was £856.80. This was the cheapest I had found so went with this. Clicked through to the website to proceed with the quote and receieved an email from 1st ce... See more

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Rated 5 out of 5 stars
Verified

A first time vehicle renewal with 1st Central, everything went smoothly with no issues. Much to my amazement the premium was less than my first one. I like to have a long term relationship with servic... See more

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Rated 5 out of 5 stars

Advisor was very knowledgeable about 1st central’s products, she made my experience easy and clear, I was dreading it, where I live I need my car , I was changing vehicles. Needed it to be insured,... See more

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Rated 5 out of 5 stars
Verified

Was early reminder about insurance renewal and easy fill up for changes or adding what you need for next year.couple reminder about when will be taking money .you just sit and relax everything done an... See more

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Rated 5 out of 5 stars

I was searching for a better offer on confused.com and found 1st Central Insurance offer for my new used Ford Ka 1.2l 👍 My old insurance quoted me far too much for the car so I declined that 👌 So v... See more

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Rated 5 out of 5 stars
Verified

I am very happy with service received overall; however, one member of staff told me, at last minute, that my policy was not going to renew despite the emails confirmed that it was renewing. That ca... See more

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Rated 5 out of 5 stars

Had to stop my old car insurance renewing as I just secured another car purchase. Able to set up new vehicle insurance fir 1st day October. All done smoothly with no complications.

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Rated 5 out of 5 stars

To renew my car insurance the company did all the work for me. It was very straightforward and explained very well in an email. My policy is over £100 cheaper this year too. Would highly recommend if... See more

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Rated 5 out of 5 stars
Verified

Very smooth process online, payment processed to come out on the 1st of month same as my other direct debits. So far excellent service, thank you.

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Rated 5 out of 5 stars
Verified

The website was very clear and straightforward to use. The prices were very competitive. My previous insurer was offering to renew with an increase of 35.5%. The 1st Central price was 45% lower than t... See more

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Rated 5 out of 5 stars

I asked for a comprehensive policy that included all the extras i thought were neccessary to cover every eventuality. I couldn't find a better quote and my renewal actually cost less this year! I see... See more

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Rated 5 out of 5 stars
Verified

For various reasons I have had more verbal contact with advisors than on line, and it has been excellent. Polite and professional. I was happy to stay with 1st Central.

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Rated 5 out of 5 stars
Verified

Motor Insurance. Given details of renewal in plenty of time too enable me to explore all my options, couldn't be beaten on price and it's an upgraded policy to boot + automatic renewal

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Rated 5 out of 5 stars

I've just recently switched my car insurance over to 1st CENTRAL Insurance. It was easy to purchase my car insurance online, and I also appreciated how the information given regarding all the options... See more

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Rated 5 out of 5 stars
Verified

Over all a good experience. 1st Central recovered my original quote as my payment was over due. They honoured my original quote so I was very satisfied.

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Rated 5 out of 5 stars
Verified

Great price for car insurance i always get quotes 4 weeks before insurance ends and 1st central were the best by miles so i took out policy there and then to run as soon as other policy runs out .

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Rated 5 out of 5 stars
Verified

I've been with 1st Central for few years now always helped me and my car insurance renewal there cheap ,and willing to help anytime I might need it thankyou 🙏

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Rated 5 out of 5 stars
Verified

I unfortunately had to make a claim after someone reversed into my parked car leaving considerable damage. I called and was put through to an advisor very quickly, no robots, who made a very stressfu... See more

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Rated 3 out of 5 stars
Verified

Obviously the price was the main thing I liked No English call centre was defo a con already.. hopefully I don't ever need to claim, else I'm not confident it will be an easy process

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Rated 5 out of 5 stars
Verified

This company has made it easier for me to obtain car insurance. The competitive rate for my car insurance seems very reasonable. Am glad I chose 1st Central insurance.

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Rated 5 out of 5 stars

This will be my third year with this company. They gave me plenty of advance notice that my policy was up for renewal and what the new (lower) charges would be. It was super easy and seamless to ren... See more

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Rated 5 out of 5 stars
Verified

I’ve always found this company to be the most competitive for insurance. Hassle free motor insurance for many vehicles I’ve insured with them. I would recommend this company to anyone.

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Rated 3 out of 5 stars

I couldn't add things and then change them to see the difference in overall price, if I tried to do more than one quote it timed out the previous one.

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Rated 3 out of 5 stars
Verified

It was a bit confusing with the policy involved and when you get to the end ,its showing something else. Just make it a bit more clear and understandable.

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Rated 4 out of 5 stars

Have had several policies with First Central, found them to be a decent company, the dashboard for making changes to your policy if needed is invaluable.

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Rated 5 out of 5 stars
Verified

I bought a new insurance from 1st central again through gocompare... Therefore, please let this insurance get ended.

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Rated 5 out of 5 stars
Verified

Made a mistake and booked 2 policy's, and paid for them. Rang 1st Central and explained, refunded 1 policy right away. Great service, Thank you.

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Rated 5 out of 5 stars
Verified

Easy renewal with no problems at all .. sent quote through and was happy and just continuous cover throughout

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Rated 5 out of 5 stars
Verified

Smooth, easy and simple to use for car insurance. This is my 3rd time with them, and they have always been great and their customer service quick and friendly.

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Rated 5 out of 5 stars
Verified

Excellent experience throughout from the beginning to the end. Excellent quote price and benefits on your car insurance policy. I can't recommend them enough. Very good customer service as well.

Company replied

Rated 5 out of 5 stars
Verified

My experience was 1st class so so easy and very quick to insure my car would well recommend 1st Cental.

Company replied

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Company details

  1. Auto Insurance Agency
  2. Home Insurance Agency
  3. Insurance Agency

Written by the company

Get a car insurance quote from 1st CENTRAL and you won’t be disappointed. As experts in UK motor insurance, 1st CENTRAL provides cheap car insurance for new drivers and experienced drivers, along with a high standard of customer service. Our friendly support teams are on hand to help you with your car insurance quote. We can customize your affordable car insurance policy with optional extras including Legal Cover, Personal Accident Cover, Hire Car, Excess Protect and RAC Breakdown Cover.

Who We Are

Written by the company

We offer Defaqto 5-Star rated car insurance
Our car insurance provides quality cover and includes a comprehensive range of features and benefits including a courtesy car, £1500 of key cover and 90 days driving in Europe, as standard
We’re competitive on price
We’ve got some very smart people in our pricing team (and some clever technology) monitoring the market to make sure we’re always giving the best price possible. We’re pretty hot on fraud too, which helps us keep our premiums lower.
We’re not all talk
If you make a claim, we’ll look after you. You'll be assigned a Personal Claims Advisor, enjoy free collection and delivery of your vehicle, a 5 year warranty on all repairs, mobile repairs and estimates where possible, and like for like vehicle replacement.
We’re nice people
All of this is backed up by support from our friendly call centre. Our call centre is open at sensible times including weekends and our claims line is open 24/7, 365 days a year.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

168K reviews

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Replied to 99% of negative reviews

Typically replies within 24 hours


Rated 1 out of 5 stars
Verified

The renewal price was more than double…

The renewal price was more than double 3 other companies I got quote offers from.
Had as little as £208 these guys wer at over 400. And I'd been with them for a year already. And it went up considerably from even the previous year

7 October 2025
Rated 5 out of 5 stars
Verified

I’ve had a positive experience with my…

I’ve had a positive experience with my car insurance so far. The sign-up process was quick and easy, and the monthly premium is reasonable for the coverage I’m getting. Customer service was polite and helpful,
Overall, I feel confident knowing I’m well covered.

8 October 2025
Rated 5 out of 5 stars

I found everything easy to understand…

I found everything easy to understand and helpful I'm not keen doing things online and my experience with 1st Central was stress free. And I got a great deal. I'm looking forward to doing business with them from the 6th/11/25.

10 October 2025
Unprompted review
Rated 1 out of 5 stars

1st Central are liars and thieves.

1st Central are liars and thieves and completely incompetent. Not to say stupid. As an example of this when told they were not to take money from my account using my card details and to leave the policy as initially stated they said they "would only do so with your consent". They stole the money any way. Claiming that details from comparison websites meant they could use any details they found. Details like my search for differences in insurance cost due to possible changes in employment and distances to be travelled. None of which came to pass.

After repeatedly stating that no changes are to be made they made changes to my policy and charged excessive amounts. Comparison websites were checked by independent verifiers and it was proved no increased charges were evident.

I received an email stating the following...

"In order to review all changes made to your policy, we require a photocopy copy of the following documents:
• We need you to please call us on 0333 043 2095 so we can confirm some of your details over the phone"

Followed by...

"What happens if I can’t provide this information?

If you do not provide the outstanding information, your policy will remain as it is with any changes that have been made, and any additional premium charged will stand."

So I need to provide photocopies of documents over a landline phone number. I have no idea what documents they want sending by a phone call to a landline.

Having taken the money I now cannot pay my rent. My direct debit was refused by my bank and a charge for that was made.

1st Central have now put me in debt and caused me to have a negative state with my bank where for 20 years I had a positive one.

11 October 2025
Unprompted review

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