1st Central Insurance Reviews 

189,846
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Evaluating 29,839 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the competitive and affordable pricing, often finding it significantly cheaper than alternatives. The website and overall process are frequently described as simple, quick, and straightforward, making it easy to obtain insurance and noting efficient service. However, some people were dissatisfied with customer service, reporting difficulties reaching agents, being cut off, or experiencing a lack of clarity and accountability. A few other people also felt that there were unexpected price increases or additional fees, and some encountered technical issues with the website, such as pages not loading or requiring multiple attempts to proceed.

What people talk about most

Price

Users describe positive interactions with price, with many reviewers finding the quotes to be cheaper than... See more

User experience

People report positive experiences with user experience, finding the process of obtaining insurance very easy... See more

Service

Reviewers mention positive feedback about service, with many finding it quick, efficient, and affordable, and... See more

Website

Reviewers highlight positive aspects of website, with many finding the online procedure very easy, simple,... See more

Customer service

Customers had ambiguous experiences with customer service, with some reviewers expressing satisfaction and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

All services I need at a reasonable price. Hope you keep these prices next year and not hike prices as other insurance companies do.

Company replied

Rated 4 out of 5 stars

It was just easy to use, the only issue I have is I would like the information I put in last time to be readily available.

Company replied

Rated 4 out of 5 stars

quick and easy,price was ok,considering some car insurers,keeping the price reasonable is the key

Company replied

Rated 5 out of 5 stars

Simple and quick to use website, easy to fill out quotes and immediate results. Really happy with price and was £250 cheaper than my previous insurer, thank you so much 😁

Company replied


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

4.4

Excellent

TrustScore 4.5 out of 5

190K reviews

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4.4

All reviews

(189,846)

29,643 reviews in the last 12 months

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Rated 5 out of 5 stars

The quality of service the guarantee

The quality of service the guarantee, cover to a good price.

July 27, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We're delighted to hear that you're happy with the quality of our service and the competitive price. Thank you for your positive feedback!

Emily

Rated 1 out of 5 stars

DO NOT USE THIS COMPANY

DO NOT USE THIS COMPANY! I took out a policy with them, they asked me for proof of my no claims bonus, which I then showed them - it was my certificate from my prior insurance company. They said they wouldn't take my certificate as proof and then hiked the price up, so I spoke with an agent and cancelled the policy, however, they still demanded almost £100 to do this, and this was in the first 7 days - I would urge each person who comes across this company to be wary. They threatened me with legal action if I did not pay - it has been horrendous. Also it is remarkably difficult to speak to anyone without getting cut off, and I have been driving for over 26 years and have never dealt with such an abhorrent company.

July 20, 2026
Unprompted review
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We appreciate you sharing your experience. We regret to learn about the issues with your no claims bonus proof, the price increase, the cancellation fee, and the difficulties reaching our team. We are reviewing your feedback to improve our processes and customer service.

Emily

Rated 1 out of 5 stars

Been trying to speak to someone all…

Been trying to speak to someone all morning about renewing insurance for an elderly relative.
Absolutely useless
UPDATE
After getting through to someone eventually they were a waste of time, wouldn't do anything because they couldn't speak to the policyholder and said he needed to email.
He is 86 deaf and doesn't have a means of emailing, that is why his niece has POA who was the person phoning, we didn't have a problem last year when we phoned and made changes.
Went to a local insurance broker, brilliant service better price and no hassle.
I'm going to come away from web insurance and will renew my 4 vehicle's through the same broker.

July 27, 2026
Unprompted review
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We are truly sorry to hear about the difficulty you've experienced trying to renew insurance for your elderly relative. We understand how frustrating it must be to spend your morning without success. We appreciate you bringing this to our attention

Emily

Rated 1 out of 5 stars

Shocking customer service

Utterly disgusted by their customer service. My insurance this year has increased by 20% with a £150 compulsory excess added. I rang to confirm and discuss potentially moving to a cheaper package as I'm not getting the full use out of mine. I've been a customer for three years and have called them to discuss my renewal each time, it has usually been a really helpful process.

I waited on hold for half an hour before somebody answered. I explained the situation and the woman on the other end repeatedly interrupted and dismissed me, to the stage where I had to ask her politely to stop talking over me. As she continued I asked to speak to a manager, at which point she said she did not understand why I was unhappy but could "transfer me to another agent who could say the exact same thing", I repeated that I wanted to speak to a manager about her conduct.

She then put me on hold for another 30 minutes before simply hanging up. I had every intention of staying with First Central until this experience, this is the poorest customer service I've come across.

(It does seem that lots of their one star reviews are very recent and heavily linked to their customer service, not a unique experience)

July 27, 2026
Unprompted review
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We are truly sorry to hear about your extremely frustrating experience with our customer service team. We understand your disappointment regarding the increase in your insurance and the difficulties you faced when trying to discuss your renewal. The conduct you described is not reflective of the service we aim to provide, and we sincerely apologise for the long wait times and the abrupt end to your call. We are reviewing your feedback to improve our processes and ensure a better experience for our customers.

Emily

Rated 4 out of 5 stars

Easy to use website

July 23, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We appreciate you taking the time to share your thoughts; we are so happy to hear that our website was easy to use for you.

Emily

Rated 5 out of 5 stars

A Perfect Experience!

Got a quote through Compare the Market, connected immediately to 1st Central website. Simple to complete their forms and pay.

July 27, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We're so pleased you found our website easy to use and the process of completing your forms and making a payment straightforward. Thank you for your positive feedback!

Emily

Rated 2 out of 5 stars

There was an error in the start date…

There was an error in the start date for my insurance to start, by two days. I was informed that if I wanted to amend it, I would have to cacnel this 0olicy ( whihc had not yet started).. take out a new one.. pay the first month again on the new policyy and request the 1st payment aleadsy made back as a refund. thne to make things worse, I would be charged £50 to do this . Totally illogical. instead I have had to take out temp car insurance for 2 days to cover the error.

July 27, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We appreciate you sharing your experience regarding the error in your insurance start date. We regret to hear about the complexities and charges involved in trying to amend your policy. Your feedback is valuable as we review our processes.

Emily

Rated 4 out of 5 stars

Very competitive prices

Very competitive prices, easy to use, good customer services.

July 27, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We're so pleased you found our prices competitive, our service easy to use, and our customer service good. Thank you for your wonderful feedback!

Emily

Rated 5 out of 5 stars

Excellent service

July 27, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

Thanks for your great feedback! We always aim to make things easy and straightforward for our customers 😊.

Emily

Rated 5 out of 5 stars

Actually speaking to one of your team…

Actually speaking to one of your team after a very frustrating time trying to pay they were so helpful and understanding so good to speak to a human.!!_

July 23, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We're so pleased to hear that our team was able to provide such helpful and understanding assistance after a frustrating experience. We appreciate your kind feedback!

Emily

Rated 5 out of 5 stars

Perfect

Perfect still the same good company and no complaints

July 23, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We're so glad to hear you're still enjoying our company! We appreciate your kind words.

Emily

Rated 5 out of 5 stars

Was able to sort it out online

Was able to sort it out online

July 23, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We're glad to hear that you were able to resolve your issue online. Thank you for taking the time to share your positive experience.

Emily

Rated 1 out of 5 stars

Still waiting for their mistake to be rectified

I have been waiting for a phone call as the transaction originally didn’t go through, after ringing the helpline and getting nowhere we went elsewhere. Now we are left with two sets of car insurance and still waiting for a phone call to sort out the unauthorised payment. This still hasn’t been sorted!

July 27, 2026
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We appreciate you bringing this to our attention. We're truly sorry to hear about the difficulties you've experienced with the transaction, the unhelpful helpline, and the resulting double insurance and unauthorised payment. We understand your frustration and are sorry for the inconvenience this has caused.

Emily

Rated 5 out of 5 stars
1st Central Insurance logo

Reply from 1st Central Insurance

Hi

We truly appreciate your wonderful five-star review! We are so glad you found our service to be quick and easy. Thank you for your kind words and recommendation.

Emily

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