1st CENTRAL Insurance Reviews 184,646

TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 30,946 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the competitive pricing and the straightforward, efficient user experience. Many people found the website easy to navigate, making the process of obtaining or renewing insurance simple and quick. The service provided is often described as excellent, with consumers noting the ease of understanding policy details and the overall smooth process. However, some customers also noted issues with customer service, mentioning long hold times and unhelpful interactions. A few other people also felt that the company's pricing could be less transparent, with some experiencing unexpected increases or difficulties with policy changes.

What people talk about most

Price

Clients share positive opinions on price, with many reviewers finding the prices to be competitive, great,... See more

User experience

Customers had positive experiences with user experience. Many found the online process easy, straightforward,... See more

Service

Customers consistently note positive experiences with service. Many reviewers praise the quick, easy, and... See more

Website

Reviewers highlight positive aspects of the website, often praising its ease of use and navigation. Many... See more

Customer service

Users describe ambiguous interactions with customer service. While some customers report very helpful,... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Reasonably easy to navigate the site, the only confusion for me was the way in which all the options kept appearing. Basically I had decided what I wanted and simply wanted to complete the purchase.

Company replied

Rated 5 out of 5 stars

I’ve been with 1st Central for a while now, and they have never let me down. Every situation I’ve had was handled quickly, professionally, and with great customer service. Their team is always helpful... See more

Company replied

Rated 5 out of 5 stars

Renewing my car insurance was seamless. It was easy to do online and any queries I had were answered simply and clearly by the agents. They were polite, well mannered and patient. I was very pleasa... See more

Company replied

Rated 5 out of 5 stars

The company reduced my premium this year which in this industry is very rare. Obviously they care about their customers and take note of clean licences, no previous accidents etc. Recommended to all... See more

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

185K reviews

5-star
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1-star

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Rated 5 out of 5 stars

I don’t want renewal

I don’t want renewal

6 June 2025
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hello,

Thank you for your feedback. We’re sorry to hear your experience with us hasn’t been as positive as we’d hoped it would be.

Let’s see if we can help put this right for you. Just give our team a call on 0333 043 2055 or speak to us on web chat which can be found on our website. We’re here to help from Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm.

Emily

Rated 3 out of 5 stars

Dont like all the upselling and…

Dont like all the upselling and optional extras. The rest of the process was fairly simple.

28 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

We appreciate your feedback regarding the optional extras. We are reviewing our process to improve your experience.

Emily

Rated 1 out of 5 stars

Choose any other company than 1st Central



On May 14th the offer was accepted and today is May 28th and still no money. 4 times I have been promised payment and still nothing! I contacted the complaints team just to be emailed back to say basically if youre not happy contact the omnibus man. Why is it so hard to pay out its not your money. A manager denied payment and nobody contacted me so if i hadn't had moaned YET AGAIN ABOUT LATE PAYMENT HOW WOULD I OF KNOWN? 1 HOUR AND 11 MINS ON HOLD. I LOST 500 DEPOSIT ON MY NEW VEHICLE AS DIDNT GET PAID AND HAD TO HIRE A CAR AS I RETURNED THE ORIGINAL CAR AS I WAS TOLD THE MONEY WOULD BE IN MY BANK. 1 LAST THING TO SAY GOOD LUCK IN COURT AS I RECORDED EVERY CALL LOGGED EVERY CALL AND YOU ARE GONNA PAY. WHAT A CROCK OF ...... MAKE THE LAST WORD UP YOURS3LVES 1ST CENTRAL AS YOU ARE LOSING CUSTOMERS AND WILL DO CONTINUALLY. A VERY VERY UNHAPPY CUSTOMER. Emily you have answered both of my complaints on here and not when I responded on your own complaints procedure. Ring me i am Damon Burch and wont be hard to find as no other has the same name in this country and we can talk. I guarantee you won't so you have 3 to 5 working days to respond. PS EMILY DOES NOT EXSIST AS A CUSTOMER FACING EMPLOYEE IN OTHER WORD IS AI NOT EVEN HUMAN

28 May 2026
Unprompted review
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

Thank you for sharing your feedback. We are sorry to learn of the significant difficulties you have experienced with your payment and the impact this has had. We would like to investigate this further for you. Please contact our team at 0333 043 2055, or use the web chat on our website. We are available Mon-Fri: 8am-8pm, Sat: 9am-5pm, and Sun: 10am-2pm.

Emily

Rated 1 out of 5 stars

After 2 years 1 year of NCD

Stay clear of 1 st central .
Staff very rude
If you with them for few years you still will get just 1 year NCD.and they just don't understand that 1+1=2
Or they don't want to understand,to rip more money from people
Very disappointed
Shame

28 May 2026
Unprompted review
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

We appreciate you sharing your feedback regarding your experience. We are sorry to hear about the difficulties you faced with our staff and the NCD policy. We will review your comments.

Emily

Rated 5 out of 5 stars

I highly recommend 1st Central Car…

I highly recommend 1st Central Car Insurance. They were totally efficient, polite, understanding and kept me informed and updated constantly, if I needed to speak to anyone with any concerns there was a person that I could talk to and not just an answer machine.

27 March 2026
Unprompted review
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

We're so pleased to hear about your positive experience with us. It's wonderful that our team was efficient, polite, and kept you informed. We're glad you could always speak to a person with your concerns. Thank you for your recommendation!

Emily

Rated 5 out of 5 stars

easy to navigate good price and…

easy to navigate good price and efficient

28 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

Thanks for your great feedback! We always aim to give the best service and price to our customers 😊.

Emily

Rated 5 out of 5 stars

Great experience

Great experience

28 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

Thanks for your great feedback! We always aim to give the best service and price to our customers 😊.

Emily

Rated 5 out of 5 stars

Good pricing

Good pricing

22 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

Thanks for your great feedback! We always aim to give the best service and price to our customers 😊.

Emily

Rated 2 out of 5 stars

Make sure dates are accurate

I was slightly out on the purchase date of my car and when my document was reviewed, I had to pay a large fee for this to be corrected. So the policy didn't work out much cheaper at all, I feel the fee should have been lower considering the change required.

30 March 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

We appreciate you sharing your experience. We understand your frustration regarding the fee for correcting the purchase date. Your feedback helps us improve our processes.

Emily

Rated 5 out of 5 stars

Easily completed

Easy to complete the form and payment page

28 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

We're glad our form and payment page were easy to use. Thank you for your feedback.

Emily

Rated 5 out of 5 stars

Efficient and fast

Efficient and fast

28 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

Thanks for your great feedback! We always aim to give the best service and price to our customers 😊.

Emily

Rated 1 out of 5 stars

This is hands down the worst experience…

This is hands down the worst experience I have ever had with an insurance company. After calling earlier in the week, I was told they only needed a letter requesting my husband's NCD transfer. I provided exactly that on letterheaded paper, containing all the required details, and the initial agent confirmed it was fine. Shortly after, they arbitrarily amended my policy, claiming the document was unacceptable because it was a "schedule statement".When I called to question why I wasn't told this sooner, the agent, Excellent, became incredibly argumentative and defensive. Instead of resolving the issue, they irrelevantly pointed out unread reminder emails and texts I had received. This hostile interaction left me with zero confidence in their ability to protect me if I ever needed to claim. I chose to cancel my policy immediately. Paying over £200 for just 28 days of substandard cover and appalling customer service is unacceptable. Management urgently needs to train staff in the basics of customer care, as this agent completely lacked it.

28 May 2026
Unprompted review
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

Thank you for your feedback. We are sorry your experience was not what you expected. We take your comments seriously and want to look into this for you. Please call our team at 0333 043 2055 or use the web chat on our website. We are available Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm.

Emily

Rated 2 out of 5 stars

not a great experience my details have…

not a great experience my details have been put wrong in my profile. This is related to my driving license issue dates. No options to change it online. sent an email but no response.

28 May 2025
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hello,

Thank you for your feedback. We’re sorry to hear your experience with us hasn’t been as positive as we’d hoped it would be.

Let’s see if we can help put this right for you. Just give our team a call on 0333 043 2055 or speak to us on web chat which can be found on our website. We’re here to help from Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm.

Emily

Rated 1 out of 5 stars

If I could give no stars I would

If I could give no stars I would. Absolute shambles of a company. I had an accident on Friday 22/05 and was told when my car is recovered by the repair garage I would then receive a courtesy car. It’s now 6 days since the accident and I’ve still not been contacted by the garage. When I’ve rang to find out what’s going on, the garage wasn’t even made aware my car needed repairing and 1st Central hadn’t even sent my details across!! 6 days on and I’ve been fobbed off to multiple different people and departments yet nobody seems to want to take accountability.

Stay away from 1st Central, the stress and hassle they have caused me is disgusting. And my situation is still not resolved!

22 May 2026
Unprompted review
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hello,

Thank you for your feedback. We’re sorry to hear your experience with us hasn’t been as positive as we’d hoped it would be.

Let’s see if we can help put this right for you. Just give our team a call on 0333 043 2055 or speak to us on web chat which can be found on our website. We’re here to help from Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm.

Emily

Rated 5 out of 5 stars

Got my car booked in for repair with 3…

Got my car booked in for repair with 3 days and very polite service

5 May 2026
1st CENTRAL Insurance logo

Reply from 1st CENTRAL Insurance

Hi

We are so glad to hear we could arrange your car repair quickly and provide polite service. We appreciate your kind words!

Emily

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