Compare 1st Central Car InsuranceCar Insurance Quotes

1st Central has sold car insurance through UK price comparison websites since 2008, when it launched with a business plan built specifically around aggregator pricing. It is part of First Central Group, a Guernsey-based insurance group that has grown from a 62-person start-up into an employer of more than 1,000 people, selling over ten million policies as of 2024. The brand built its reputation on data-led underwriting and on 1st Central Connect, its telematics product aimed at new and young drivers.

We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). 1st Central is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by 1st Central, alongside every other insurer on its panel. That means a quote from 1st Central isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch doesn't have a direct commercial relationship with 1st Central. We receive a commission if you purchase a policy. We do not provide advice or make recommendations.

1st Central Value

the entry-level tier, strips cover back to the essentials and carries a higher excess than the tiers above it. It gives you:

• Comprehensive cover for accidental damage, fire and theft, and third-party liability
• 1st Central's lowest advertised price point in the range

1st Central Core

the standard comprehensive tier and currently 1st Central's 5-star Defaqto-rated product, includes:

• Key Assist Cover, £1,500 towards replacing keys that are lost, stolen or damaged
• Windscreen and glass cover
• A courtesy car from an approved repairer while your car is fixed after a claim
• Cover for driving in the EU

1st Central Extra

the enhanced tier, includes:

• Everything in 1st Central Core
• Free mid-term policy changes, made online or by phone

1st Central Connect

is 1st Central's telematics product. An app or in-car sensor tracks how you drive, and 1st Central prices the policy on that behaviour rather than on rating factors like age and postcode alone.

• RAC Breakdown Cover, roadside assistance and recovery from the RAC, added on top of Core or Extra rather than bought only as part of a Premier bundle
• Legal Expenses Cover, up to £100,000 towards legal costs when you're in an accident that wasn't your fault, covering uninsured loss recovery and personal injury claims
• Personal Accident Cover, an extra payout of up to £60,000 for serious injury or death, on top of the £7,500 already included with comprehensive cover
• Hire Car Cover, a replacement vehicle for up to 21 days if your car is stolen and not recovered, or written off
• Excess Protect Cover, refunds your policy excess up to a chosen limit between £300 and £1,000 if you claim within six months of the incident, regardless of fault
• Protected No Claims Discount, keeps your no claims discount intact after a claim, available once you've held more than a year's no claims discount

1st Central suits drivers who want a simple, no-frills comprehensive policy and are happy to build their own level of cover from a base tier upward. Core gives budget-conscious drivers a 5-star Defaqto-rated policy without paying for extras they do not need, and Connect gives new and young drivers a genuine way to bring the price down by proving how they actually drive rather than being priced on age alone. It suits fewer drivers who want one all-inclusive premium product with everything bundled in, since 1st Central's range is built around tiering optional extras onto a base policy rather than a single comprehensive package.