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1st CENTRAL car insurance

Learn more about 1st CENTRAL car insurance

1st CENTAL car insurance logo

Last reviewed 02 November 2021

Why choose 1st CENTRAL car insurance?

  • 24-hour claims service online or over the phone
  • Cover to drive other cars (subject to eligibility)
  • Up to £1,500 key cover

With more than a million customers across the UK, 1ST CENTRAL has built up a reputation as a brand that can be trusted for car insurance.

If you’re looking to insure your car, 1ST CENTRAL offers a 24-hour claims service online or over the phone, up to £1,500 key cover for lost, stolen or damaged keys, and foreign holiday cover, meaning insured drivers can zip over to EU countries, safe in the knowledge that they’re covered for a total of 90 uninterrupted days of holiday in any EU country, as well as Andorra, Croatia, Iceland, Norway, Switzerland and Lichtenstein.

Other highlights include the freedom to drive other cars, as long as you’re eligible to, and the ability to review and update your details online any time through Your Account.

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Who is 1st CENTRAL?

1ST CENTRAL was founded in 2008. Since then, it has grown to provide car insurance policies to more than a million drivers. The company started out with 62 employees, but now has over 1,000 colleagues working across a range of locations - from Gibraltar to Manchester.

1ST CENTRAL is the motor insurance broker of First Central Insurance & Technology Group, which describes itself as an “innovative group of companies delivering market-leading insurance, underwriting, distribution, finance, technology and legal services.”

Based in Guernsey, the insurance and technology group has a strong ethical foundation. As it says on its website, the group is committed to restoring and maintaining trust in the industry through technology and data. It aims to reduce risk, combat fraud and deliver products for the future.

1ST CENTRAL has won its fair share of plaudits in recent years. Standout honours include wins at the Insurance Times Awards 2018, the UK National Contact Centre Awards 2021 and the Moneyage Awards Insurance Provider of the Year award for five consecutive years, most recently in 2021. It has also received the prestigious ServiceMark accreditation from the Insitute of Customer Service, which was awarded in 2021 for a three-year term and is subject to annual review.

1st CENTRAL policy details

Ultimately, to ensure you’re protected, a car insurance policy should include a suite of features as standard, whether you opt for third party, fire and theft or comprehensive, which incidentally, is frequently more affordable than you might think.

1ST CENTRAL offers a choice of comprehensive or third party, fire and theft (TPFT) cover.

Third party fire and theft cover from 1ST CENTRAL includes:

  • Fire and theft cover to replace or repair your car, spare parts or any accessories lost or damaged due to fire or theft
  • Liability cover should someone else be injured or killed or their property damaged as a result of an accident in your car. You’re covered for property damage up to £20,000 and legal fees and expenses up to £5,000,000. There’s no limit on the level of liability cover as a result of death or injury to third parties
  • Extended driving abroad cover meaning you can enjoy up to 90 days of driving in the EU, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra
  • Key cover for up to £1,500 to pay for replacement locks, keys and any locksmith charges should you lose your keys. They’ll even give you up to 3 days of car hire and any claims won’t affect your no-claims bonus

Comprehensive cover from 1ST CENTRAL includes everything the TPFT cover does as well as:

  • Accidental damage cover to replace your car, spare parts and any accessories lost, stolen or damaged
  • Windscreen cover to repair or replace a damaged window or windscreen in your car
  • Personal accident cover will pay out £5,000 should an accident in your car result in your death, permanent loss of sight or loss of one or more of your limbs
  • Medical expenses cover up to the value of £100 per person to cover any medical expenses incurred to treat injuries following an accident in your car
  • Courtesy car cover will provide you with a free car to use while your car is being repaired at an approved garage

1ST CENTRAL offers a selection of car insurance policies, however, not all policies are available through our site and the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

1ST CENTRAL’s car insurance policies are underwritten by its sister companies Skyfire Insurance and Skyfire Reinsurance, which are based in Gibraltar. These brands provide policies that have helped 1ST CENTRAL establish itself as a trusted supplier on UK comparison websites.

Contact 1st CENTRAL

If you’d like to get in touch with 1ST CENTRAL, you can visit its website to find the details of the relevant team you’d like to speak to. Alternatively, a web chat service is available.

You can also write to 1ST CENTRAL at: Capital House, 1-5 Perrymount Road, Haywards Heath, West Sussex, RH16 3SY.

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