1st Central car insurance review

Get all the facts about car insurance through 1st Central, which specialises in enhanced comprehensive cover.

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1st Central

Our verdict

1st Central is a good option for drivers looking for affordable and flexible car insurance. It has multiple levels of comprehensive and third party, fire and theft policies so you can get the right policy for your needs.

It also has a large range of optional extras that you can add to your policy for an additional premium and a 24/7 contact centre based in the UK in the unfortunate event of a claim.

All in all, this 5-star Defaqto-rated insurer is a good choice for most when it comes to looking for a provider.
  • 24/7 UK-based claims helpline
  • Up to £1,500 key cover
  • Free courtesy car included as standard
  • No third party only cover option
  • Some customers reported a hike in renewal prices
1st Central Comprehensive

The comprehensive car insurance that 1st Central sources comes with a range of benefits as standard, including a courtesy car while yours is being fixed by an approved repairer, and cover for lost keys and personal belongings. But what else is covered, and what are the options? We’ve analysed this top-rated car insurance broker and have the lowdown for you.

Compare 1st Central’s car insurance policies

Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
1st Central Comprehensive
Up to £7,500
1st Central Third Party, Fire & Theft

Who is 1st Central?

1st Central has been operating as a car insurance broker since 2008.

1st Central is the trading name of First Central Insurance Management Ltd, a subsidiary of First Central Group Ltd. First Central Insurance Management Ltd is authorised and regulated by the Financial Conduct Authority.

Who underwrites the car insurance from 1st Central?

1st Central car insurance is underwritten by 1st Central Underwriting (previously known as Skyfire Insurance Company Limited).

What is covered under my policy?

1st Central offers 6 levels of comprehensive car insurance and 5 levels of third party, fire and theft. It offers a multi-car discount too, which is handy.

Product Name1st Central Comprehensive1st Central Third Party, Fire & Theft
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Medical expenses
Personal belongings
Liabilities to third parties
Using the car abroad
Alternative travel costs
No-claims discount
Replacement locks
Permanently fitted audio equipment

Optional extras

1st Central offers a range of additional protection to bolt onto your policy, including:

What are 1st Central’s different policies?

Third Party, Fire & Theft

How do I make a claim?

You can claim online or by calling the 1st Central 24-hour claims helpline on 0333 043 2011 to report and incident and register a claim. This claims helpline is open 24 hours a day, 7 days a week.

You will need to provide your policy details, personal contact details and information about the incident.

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

1st Central car insurance customer reviews

As of May 2024, on customer review platform Trustpilot, 1st Central as a company has 4.4 out of 5 stars and a rating of “Excellent”, based on more than 116,000 reviews.

On similar platform, Reviews.io, the company has 4.00 out of 5 stars, based on more than 5,000 reviews. 76% of customers say they would recommend the service.

How to cancel 1st Central car insurance

You can cancel online if you log in to your account. If you prefer to talking to someone you can do it via the live chat or by calling 0333 043 2085.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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