1st Central Car Insurance

1st Central Insurance launched in 2008 and have quickly grown into a substantial insurance company issuing more than 2 million policies. They offer a wide range of car insurance products and have been rated as a 5-star insurance company by the rating agency Defaqto. 1st Central are fast becoming a household name within the insurance industry.

1st Central have made a big commitment to their customers, promising highly competitive pricing and having a team in place which constantly adjusts prices based on industry trends to ensure they deliver on the low prices they’ve committed to providing. In addition to market trends, 1st Central are aiming to be one step ahead of insurance fraudsters which helps greatly to keep premiums low.

They are part of a much larger company called FCG. Employing over 500 people and having two offices in Haywards Heath. They are constantly working hard to ensure a high level of customer service whilst offering affordable cover to their customers.

Key facts

• 9/10 customers rated good or excellent (based on over 1,000 Feefo reviews Jan 2013 – Nov 2015)
• Up to 65% no claims discount
• Insured more than 2 million customers since their launch in 2008

Types of car insurance offered

They advertise as 1st Central Insurance Simple Driven, and provide many types of cover which includes Key Assist, Courtesy Car, Medical Expenses, Personal Belongings, Driving Abroad, Personal Accident, Liability, Windscreen, Fire & Theft, Accidental Damage and a highly competitive No Claims Bonus discount.

If you insure your car with 1st Central, you can drive your car in EU as they provide 90 days of cover across the whole of Europe. In addition to this, drivers who insure themselves with 1st Central can drive in some other countries too such as Norway, Croatia, Switzerland, Iceland, Andorra and Liechtenstein.

The standard policy offered by 1st Central Insurance includes cover for each person in the vehicle. This allows everyone to access medical services in the event of a car accident. In addition to this, if the accident is deemed to be a personal accident, they will pay out a much larger sum if the accident resulted in a loss of limb or vision.

Another handy service included within 1st Central’s car insurance policy is their lost key service. This will not negatively affect your no claims bonus discount. Fully comprehensive cover also includes a courtesy car as standard whilst your car is repaired. Generally you will be supplied with an ‘A Class’ vehicle such as a small hatchback.

This is just an overview of the services offered by 1st Central Insurance, as a 5-star Defaqto rated insurer they are clearly doing a lot right.

Optional extras

1st Central Insurance offers personal accident cover as an optional extra. This increases the amount paid towards medical expenses to around five times more compared to a standard comprehensive policy.

Hire car cover is also available from 1st Central, this provides full use of a car for up to 28 days if your car is written off, or stolen but unable to be recovered.

If you have to make a claim on your 1st Central Insurance comprehensive policy, you will likely have to pay an excess. However, the company also provides excess protection cover as an add-on. This allows you to get a refund if the accident was your fault.

When pursuing a claim against a third party for an uninsured loss, this could leave you with legal expenses to pay, which can cost a significant amount. This is where legal expenses cover would be a suitable optional extra to consider. This provides up to £100,000 of legal expenses on your behalf.