1st Central Car Insurance
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What Do You Need To Get A Quote With 1st Central?
Please provide the following information:
- Personal details (e.g. name, age, UK location, occupation)
- Vehicle details (e.g. registration number, replacement value, average mileage)
- Policy details (i.e. what level of cover are you interested in, optional extras)
- Insurance details (e.g. previous claims history)
Who Are 1st Central Insurance?
1st Central Insurance launched in 2008 and has quickly grown into a substantial insurance company issuing more than 2 million policies. They are part of a much larger company called FCG. Employing over 500 people and having two offices in Haywards Heath.
They offer a wide range of car insurance products and have been rated as a 5-star insurance company by Defaqto. 1st Central is fast becoming a household name within the insurance industry.
1st Central at a glance
- 9/10 customers rated “good” (independent Feefo review)
- 5-star Defaqto rating
- 4.4/5 star Trustpilot rating (over 118,000 reviews)
- 2 million customers since inception
- Save £50 per additional car
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What Does 1st Central Car Insurance Cover?
1st Central’s comprehensive range includes the following:
1st Central Value
- Hotel expenses (up to £500)
- Courtesy car
- Key cover (up to £1,500)
- Third-party, fire and theft (TPFT)
- Public liability (up to £20 million)
- Medical expenses (£100)
- No claims discount
- EU cover (90 days)
- Accidental damage
- Note: Only available online
1st Central Connect
- Personal belongings
- Audio and visual equipment
- Windscreen cover
- Personal accident cover
- Hotel expenses (up to £500)
- Courtesy car
- Key cover (up to £1,500)
- Third-party, fire and theft (TPFT)
- Public liability (up to £20 million)
- Medical expenses (£100)
- No claims discount
- EU cover (90 days)
- Accidental damage
- Uninsured drivers promise
- Note: Only available online
1st Central
- Personal belongings
- Audio and visual equipment
- Windscreen cover
- Personal accident cover
- Hotel expenses (up to £500)
- Courtesy car
- Key cover (up to £1,500)
- Third-party, fire and theft (TPFT)
- Public liability (up to £20 million)
- Medical expenses
- No claims discount
- EU cover
- Accidental damage
- Uninsured driver promise
1st Central Legal
- Legal expenses (up to £100,000)
- Personal belongings (£250)
- Audio and visual equipment
- Windscreen cover
- Personal accident cover (up to £7,500)
- Hotel expenses (up to £500)
- Courtesy car
- Key cover (up to £1,500)
- Third-party, fire and theft (TPFT)
- Public liability (up to £20 million)
- Medical expenses
- No claims discount
- EU cover (90 days)
- Accidental damage
- Uninsured driver promise
Note: Available as an online product
1st Central Plus
- RAC breakdown cover
- Personal belongings (£250)
- Audio and visual equipment
- Windscreen cover
- Personal accident cover (up to £7,500)
- Hotel expenses (up to £500)
- Courtesy car
- Key cover (up to £1,500)
- Third-party, fire and theft (TPFT)
- Public liability (up to £20 million)
- Medical expenses
- No claims discount
- EU cover (90 days)
- Accidental damage
- Uninsured driver promise
- Note: Available as an online product
1st Central Premier
- RAC breakdown cover
- Legal expenses
- Personal belongings (£250)
- Audio and visual equipment
- Windscreen cover
- Personal accident cover (up to £7,500)
- Hotel expenses (up to £500)
- Courtesy car
- Key cover (up to £1,500)
- Third-party, fire and theft (TPFT)
- Public liability (up to £20 million)
- Medical expenses
- No claims discount
- EU cover (90 days)
- Accidental damage
- Uninsured driver promise
- Note: Available has an online product
Top tip: Opt for an online account and eliminate the admin fees to save money on your premiums.
What Are The Types of 1st Central Car Insurance?
1st Central offers a few types of vehicle insurance to its customers:
- Standard car
- Multicar
- Telematics/black box
- Temporary (between seven and 28 days)
What Are The Levels Of 1st Central Car Insurance?
The First Central Group only offers two (of the usual three) levels of car insurance cover:
Third-party, fire and theft (TPFT)
This includes basic third-party only (TPO) insurance which protects you against third-party claims should you injure someone or damage their property/vehicle while driving. In addition to this, you’ll receive compensation if your vehicle is stolen or damaged by fire.
Comprehensive cover
These policies offer the widest range of insurance cover and include basic TPO and TPFT cover. As mentioned above, comprehensive plans include windscreen protection and accidental damages and will pay legal and medical expenses.
What Optional Extras Can You Add To 1st Central Car Insurance Policies?
Upgrade your 1st Central car insurance policy with one of the following add-ons:
RAC breakdown cover
Receive unlimited call-outs and 24-hour roadside assistance. 1st Central has various breakdown cover policies to choose from:
- Roadside
- Roadside & At Home
- Roadside & Recovery
- Roadside, Recovery & At Home
- Roadside, Recovery, At Home & European Motoring Assistance
Personal accident cover
Receive up to £60,000 per person compensation when injured in a serious accident.
Hire car cover
Access a courtesy vehicle for up to 28 days to go about your daily travels uninterrupted.
Excess protect cover
Claim back your excess when you make a claim.
Legal expense cover
Receive up to £100,000 in legal compensation to help recover uninsured losses and costs.
No claims discount (NCD) protection
Protect your NCD even when making a claim.
How Much Does Car Insurance Cost With 1st Central?
1st Central Car Insurance offers competitive pricing and is closely aligned with average car insurance seen across the UK (between £600 – £2,000).
What influences 1st Central’s car insurance premiums?
- Driver age and occupation
- UK location
- Type of vehicle
- Driving habits (including licence points/convictions, etc.)
- How often the car is used and what it’s used for
- Level of cover and/or optional extras chosen
- Claims history
How Can You Lower Your 1st Central Car Insurance Premiums?
You can reduce your car insurance premiums in the following ways:
- Limit your mileage
- Secure vehicles when not in use/overnight
- Keep modification to a minimum
- Opt only for add-ons you need
- Increase voluntary excess
- Consider black box technology
- Pay annually as opposed to monthly
How To Compare 1st Central Car Insurance Quotes With SimplyQuote?
Comparing quotes with SimplyQuote is quick and hassle-free:
- Fill in your details online (e.g. personal, vehicle, policy, etc.)
- Choose the level of cover you’re interested in and any extras you want to add.
- Compare quotes seamlessly to find the best deal aligned to your budget and needs.
- Save cash: Start saving today!
Frequently Asked Questions
You can contact 1st Central Car Insurance in various ways:
- Phone: 0333 043 2044
- Email: info@1stcentralinsurance.com
- Website: www.1stcentralinsurance.com/
- Post: First Central Insurance Management. Central House, 25-27 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP
- Opening hours: Monday-Friday 08:00 – 20:00; Saturday 09:00 – 17:00; Sunday 10:00 -14:00; Bank holidays 10:00 – 16:00.
If you wish to cancel your 1st Central insurance policy, this can be done easily by contacting them directly on 0333 043 2044. You do not have to give them any notice, but will likely have to pay a fee for cancelling.
If the 1st Central insurance policy has been cancelled before the start date, or within the first 14 days of inception, you won’t have to pay any fees. However, you will still have to pay a pro-rata amount which is based on the number of days you’ve been insured for.
If you cancel after the 14-day cooling-off period, you will have to pay around £50 as a cancellation fee.
Skyfire Insurance Company underwrites 1st Central car insurance.