1st CENTRAL Insurance Reviews 168,018

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 pricing and value for money, often finding it cheaper than competitors, even with more comprehensive coverage. Consumers appreciate the straightforward online process for obtaining quotes, setting up policies, and managing renewals. Many also highlight the ease of navigating the website and the clarity of the information provided. People report positive experiences with the website's user-friendliness. However, opinions on customer service are mixed, with some appreciating the helpfulness of phone representatives and others desiring more direct human interaction. While many find the online service fast and reliable, some express frustration with the inability to easily change policy start dates or the persistence of renewal reminders after completing the process.

Based on these reviews

Rated 4 out of 5 stars
Verified

Only just got policy out so no clue as to whether they are a good company or not so cant give full five stars yet but signing up to them was easy, good offer for the price especially adding windscreen... See more

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Rated 5 out of 5 stars
Verified

So far I have just purchased car insurance, but not actually ‘ used’ it. When Purchasing it I was impressed that for only about £1 more per month you could buyincreasing included Add ons. For abo... See more

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Rated 5 out of 5 stars
Verified

A great and competitive rate of cover with plenty of options added in with little costs. Would highly recommend for someone who has like me been asked to pay crazy prices for another year when no issu... See more

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Rated 5 out of 5 stars

Seamless process and outstanding price. Hopefully when it comes to renewal, claim or cancellation it will be equally as impressive but we all know what insurance companies are like - great at getting... See more

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Rated 5 out of 5 stars
Verified

Your help with all that we needed from helping us with a curtsey car and helping with physio to putting a claim in for my injury as well as being considered with me as l am going through a rough ti... See more

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Rated 5 out of 5 stars
Verified

The price of course a major consideration for most customers, but Value for money is the most important thing that guides me. 1st Central was the only company that offered everything i required at... See more

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Rated 3 out of 5 stars

Price great but some of the wording was misleading on the website. I was out of hours and quote expired in 3 hours so no advice available. Had to hope the info had transferred correctly from moneysupe... See more

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Rated 3 out of 5 stars
Verified

The renewal was super easy. Unfortunately I continued to receive texts and emails, reminding me to renew, after I’d already done it. This made me worried and I had to keep checking that I’d done it. E... See more

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Rated 5 out of 5 stars
Verified

Easy to renew and although I shopped around, your renewal was still the best. Even though it hadn't come down. As a driver of over 30 years, no accidents at fault or penalties, I should be getting a r... See more

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Rated 4 out of 5 stars
Verified

When I first decided to buy car insurance from you , I rang you to find out more information about your different insurance policies. I tried to ring 3 times and each time the phone was engaged. I ran... See more

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Rated 5 out of 5 stars
Verified

Everything was made simple to understand . The information provided gave me all the confidence that I was making the right decision in using this company to fully look after all my needs thank you ve... See more

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Rated 5 out of 5 stars
Verified

I’ve renewed with 1stcentral for 3 years in a row, no where have ever beat their price and cover! Usually were told to go elsewhere for better deals, but nowhere have ever beat their amount of cover... See more

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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

Been with them for a few years & always find it easy to renew & amend things online or go on live chat if there’s any other queries I might have

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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
Verified

Easy to contact and speak to a real person who spoke good English. The website is fine but there are always queries that require personal service. They also provided me with insurance at half the pric... 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 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 5 out of 5 stars
Verified

Recently taken my Car Insurance with 1st Central. Very easy to set up on line and the received correspondence is perfect. Look to be a great company and will use for another vehicle if the price come... See more

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Rated 5 out of 5 stars
Verified

No nonsense filling out the form after receiving the policy I could not see whether I had taken out no claims bonus a quick chat on the app sorted it

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Rated 5 out of 5 stars
Verified

Been with them a few years now. Never claimed so can’t say much about the most important bit however, online portal has always been simple for adding and changing drivers and vehicle etc

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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

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 5 out of 5 stars

Easy to find the information you are looking for when making changes to policy or checking your policy, straight forward instructions to make changes or look ur policy, very helpful when you need he... See more

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Rated 5 out of 5 stars

easy to use informative online account is great. only needed to call once staff were friendly no issues so far been with them at least three years now

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Rated 3 out of 5 stars
Verified

When taking insurance online could do with the company phoning the client to see if there's a better deal for the client.could do with a separate offer for windscreen cover

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Rated 4 out of 5 stars
Verified

My enquiry was handled extremely well by a young lady based in Cape Town (?) I have to admit to having some difficulty understanding her at times.

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Rated 3 out of 5 stars
Verified

I liked the price even though it could have been cheaper.I don’t like these sites because they are always going over and over the same details and having to put my email in over and over again very a... See more

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Rated 5 out of 5 stars

This years quote is better then last year. No hassle to renew - easy to navigate pages for my new quote. Received back all the information very quickly. Good experience. Thank you

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Rated 5 out of 5 stars
Verified

So far it has been so straightforward, easy to understand, even for me (elderly) so if it continues like this you will have earned it. Thankyou

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Rated 5 out of 5 stars

Best price for the insurance I needed. All extras included, still beat the other insurers who were offering less cover for way more money.

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Rated 5 out of 5 stars
Verified

Very easy to deal with. Just wanted low mileage insurance for a car which will only ever be used occasional weekends and 1st sorted it no issues

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Rated 5 out of 5 stars
Verified

I have to deal by phone they were very helpful and promised to send me my paperwork in the post as they did last year hope it comes many thanks in advance

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Rated 5 out of 5 stars
Verified

Very good price which was highly competitive amongst the others. Was quoted a lot more for renewal from my previous insurer.

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Rated 5 out of 5 stars

Easy renewal plus less than last year. How are company should behave and treat their customers for loyalty. Well done

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Rated 5 out of 5 stars
Verified

I’m happy with 1st Central Insurance — their online service was fast and reliable. However, I wish there were a real team to speak with directly.

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Rated 5 out of 5 stars

A really easy process and a great policy for the money, with breakdown cover included giving you peace of mind that any journey will be a food one with the cover included.

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Rated 5 out of 5 stars
Verified

Have been insured with 1st central before and that's why I came back and always had a hassle free time and the quotes I had were fantastic

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Rated 5 out of 5 stars
Verified

Easy to navigate website and pick options, cheapest option I found after a couple of searches. Policy emailed in moments. Monthly payment options. Covered!

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Rated 3 out of 5 stars
Verified

I needed car insurance, it was due for renewal, it was quick and easy, never going to score a 10. It's law, everyone needs insurance.

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Rated 5 out of 5 stars

Been using the service for some years now, and as an 80 year old, their online service and email response is great and easy to navigate.

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Rated 3 out of 5 stars

Reasonably quick, but all the add on extras that kept popping up when you were trying to check details were annoying.

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Rated 5 out of 5 stars
Verified

Straight forward easy to use site Benefits clearly laid out. Excellent price on Policy renewal.

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Rated 5 out of 5 stars
Verified

The advisor dealing with my call was very professional and helpful. This made the process much smoother of buying car insurance.

Company replied

Rated 5 out of 5 stars
Verified

Very very good price for the insurance that I’m paying you. I’m quite happy with that. That’s the reason I have given you five star because it’s very very good price for me for the Vehicle Lego thank... See more

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Rated 5 out of 5 stars

The site is so user friendly, it's like you are talking to somebody and they are answering your questions.

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Rated 5 out of 5 stars
Verified

Great offers and competetive price.. easy to understand terms no hassle doing it on line.

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Rated 5 out of 5 stars
Verified

Easy to deal with fast online service hopefully never have to contact the claims department And a competitive quote

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Rated 4 out of 5 stars
Verified

They were able to set up my Home Insurance quickly and immediately after I had encountered problems with other Insurers.

Company replied

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Company details

  1. #39 of 70 best companies in Car and Motor Insurance Agency
  2. #24 of 45 best companies in Home Insurance Agency
  3. #136 of 223 best companies in 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 5 out of 5 stars
Verified

Tilly was the agent I spoke to was…

Tilly was the agent I spoke to was amazing, I was very upset when calling but she calmed me down and made me feel at ease. She explained everything very clearly and informed me of what to do and what would happen next.

13 October 2025
Rated 5 out of 5 stars

For anyone that has phone call anxiety…

For anyone that has phone call anxiety I have had the best experience with 1st central. I took out a policy with them about a month ago now and was asked to provide proof of ncd which I did. I was then asked to ring them to confirm some details on my policy. After reading lots of reviews of people saying they were faced with extra charges I was filled with anxiety about this phone call and left it until the day before the deadline. However I needn’t have been so worried as was connected to a lovely helpful woman who just needed to confirm one detail and all was sorted. Don’t read into all the bad reviews. People generally only leave a review if they’ve had a bad experience so I just wanted to share my good one!

14 October 2025
Unprompted review
Rated 4 out of 5 stars
Verified

An honest review

I was happy with the quote but understanding the lady in the other end was very difficult the language barrier was difficult for both ends of the conversation

14 October 2025
Rated 5 out of 5 stars
Verified

Easy app to use

Easy app to use, competitive on price and very helpful knowledgeable staff contacting them on any issues. Highly recommend using them

10 October 2025
Rated 5 out of 5 stars
Verified

Great experience

Great experience, found First Central via Money Expert comparison site, cheapest by a country mile! Just goes to show that there are companies out there that are not about ripping you off! The Car insurance industry in general are con artists!

14 October 2025

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