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1st central car insurance reviews

Review 1st Central Car Insurance

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1st Central Insurance

Review 1st Central Car Insurance

1st Central Insurance , or 1st Quote, are a UK based insurance provider with their headquarters located in Haywards Heath, West Sussex along with offices in Guernsey and Gibraltar. The online service provided by 1st Central allows policy holders to log in and view their policy details 24/7. You can make a claim both via a phone call or online if you prefer.

Who is first central underwritten by?

1st Central Insurance is underwritten by Skyfire Insurance Company Limited, which is a wholly owned subsidiary of First Central Group Limited. Skyfire Insurance uses advanced risk assessment capabilities to provide more accurate risk assessments, this allows for more competitive pricing on premiums as the impact of bad drivers are better measured.

What are some of the benefits of insuring with 1st Central Insurance.

There are some solid benefits offered to 1st Central policy holders. These include a £50 discount for every car you insure with 1st Central. You’ll also have a wide range of insurance policies to choose from, such as classic car insurance and young drivers policies.

Another key benefit of getting your insurance through 1st Central is the easy online claims process as well as the ability to manage and alter your policy details completely online. It is a common argument by insurers that a completely online experience can save customers money by cutting out over head costs associated with call centres. 1st Central Insurance claims to be one of those insurers who passes on their savings to their customers.

How much does a 1st Central Car Insurance policy cost?

This is a fairly tough question to give a direct answer as the price for a 1st Central Car Insurance policy can vary dramatically. Whilst 1st Central Insurance has a sophisticated risk assessment process, risk factors are still the most important way that insurers determine your premiums. These factors can range from age, location, the make and model of the vehicle you drive as well as the level of coverage you wish to take out.

  • Age – Younger and older drivers typically pay higher premiums than other age brackets. This is due to the higher rates of accidents among older and younger drivers on the road.
  • Location – Where you live and park your car will also directly impact your premiums due to the impact of risks such as theft, fire and collision in your local area.
  • Car – The make and model of your car will also impact your risk profile as more valuable cars are typically more expensive to insure. More powerful performance cars can also be more expensive to insure due to their capability to cause more serious damages. Modding your car can also be very costly to your quoted premiums.
  • Level of coverage – The level of coverage you choose will also impact the price of your premiums as generally the more comprehensive your policy the more you can expect to pay.

Your claims history will typically be the biggest influencer of your premium price as nothing quite drives up insurance costs like previous claims, with a claim increasing your premiums by 20% to even 50%.

Ultimately 1st Central Insurance May be the cheapest option for you but it may also not be, it really depends on your personal risk factors and so the cost of your insurance policy will be unique to you. The best thing to do in order to find the best car insurance quote for you is to simply compare multiple quotes from differing insurers.

Greg Wilson, founder of Quotezone.co.uk states the following, “While the complexity of insurance premium calculations makes it impossible to put a pounds-and-pence figure on it, on average, three penalty points could result in a 5% jump in a driver’s car insurance premium, while six penalty points could see the cost of their insurance rise by an eye-watering 25%.

What levels of coverage does 1st Central Insurance offer?

1st Central offers 6 different policy tiers for their comprehensive coverage and 5 tiers for their Third party fire and theft policy. These tiers include the following

1st Central Comprehensive Tier

These Tiers allow for greater customisation of your insurance policy and so put you firmly in control of your car insurance. This level of customisation is impressive in comparison with other providers and can be considered one of 1st Central’s strengths.

1st Central Insurance Reviews

1st Central Insurance has been largely well received by consumers on Trustpilot with average ratings being over 4 stars. Common praise was directed at the easy process of setting up car insurance as well as the customer service provided.

Right priced car insurance.

Rated 5 out of 5 stars

Insurance chosen from an online comparison site for a second budget used car I recently purchased. As the car is a small budget one (a Vauxhall Corsa) and is 17 years old, the insurance is fire and theft only. It’s about choosing the right insurance but most importantly the right insurance at the ‘right price’ which is why I insured with 1st Central Insurance.”

Trustpilot Review: 25 June 2023

Brilliant response to my claim

Rated 5 out of 5 stars

Very helpful and got everything sorted quickly when I made a claim. Relieved at lot of stress on the day of the incident and the following days too and have been updated consistently throughout the process.
Highly recommend

Trustpilot Review: 26 June 2023

Gives a fare price ,quick problem…

Rated 5 out of 5 stars

Gives a fare price ,quick problem solving, customer services very good you can speak to someone not a robots.

Trustpilot Review: 21 June 2023

Cooling off cancellation charge quite high

Rated 3 out of 5 stars

Their cooling off cancellation charge is very high at £50, I didn’t feel it was clearly explained or detailed. Their dashboard was very good though and made it easy to find what I needed. Not overly impressed by the charges though as I had to do all the work anyway!

Trustpilot Review: 04 July 2023

Criticism of 1st Central were directed at cancellation fees, admin charges and pricings. It is important to note however that these complaints are common in the insurance industry and are not indicative of every policy holder’s experience.

Overall 1st Central Insurance review

Overall, 1st Central holds it’s weight on the UK insurance market with positive reviews from policy holders and a streamlined purchasing and customisation process. In terms of pricing, 1st central offers good coverage for its average policy cost, however this figure can vary between individuals.

Comparing car insurance quotes

As we’ve already touched on, car insurance prices will vary between individuals due to differing risk profiles. As a result of this policy seekers should always seek to compare as many car insurance companies as possible, so that they have a better chance of finding the best car insurance deals.

If you’re keen on getting a 1st Central Insurance quote it helps to have other insurers to compare them against – That’s where we can help.

Quotezone has compiled a panel of over 110 UK based insurers, making it easier than ever for you to quickly compare car insurance quotes and find cheaper car insurance deals. Simply fill in a few details and start comparing quotes from across the UK insurance market today.

We search over 110 car insurance providers to save you hassle and money

What people have to say about us

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Thanks to Quotezone I got a great deal on my car insurance . It turned out cheaper than last years.


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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.