1st Central car insurance

1st Central has been making a name for itself as a trusted and competitive car insurance provider, selling over three million polices since its launch in 2008.

This is what you need to know about 1st Central car insurance.

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What you get with 1st Central comprehensive car insurance

1st Central have a range of benefits that are included as standard on their comprehensive car insurance policies. These include:

  • accidental damage cover for your car, accessories and spare parts
  • new car replacement if your car is less than 12 months old
  • windscreen and glass cover
  • liability cover to others including injury, death or property damage
  • personal accident cover
  • medical expenses of up to £100 for each person injured in your car if it’s involved in an accident
  • personal belongings cover
  • a free ‘Class A’ courtesy car while your car is being repaired by an approved garage
  • cover extended to 21 days of driving in Europe
  • no claims discount for every year of claim-free driving
  • key assist cover for replacement keys and locks, including up to three days car hire


Please read your policy carefully as terms and conditions apply.

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What you get with 1st Central third party fire and theft (TPFT) car insurance

Standard TPFT car insurance with 1st Central includes:

  • over extended to 21 days of driving in Europe
  • liability cover to others including injury, death or property damage
  • key assist cover for replacement keys and locks, including up to three days car hire
  • no claims discount for every year of claim free driving


Please read your policy carefully as terms and conditions apply.

1st Central optional extras

If you’re prepared to pay more to increase your cover, 1st Central also offer the following optional extras that can be added to your premium:

  • legal expenses cover – if you’re involved in an accident that isn’t your fault, this can help you claim back any expenses or uninsured losses
  • personal accident cover – this will provide your family with cover should you be seriously injured or killed in a car accident. The cover also applies to your passengers and any named drivers
  • hire car cover – if your car is stolen or written off, you can go ahead and hire a ‘Class A’ hire car for up to 28 days delivered to your home address
  • breakdown cover – 1st Central offer a choice of flexible breakdown packages depending on the level of cover you require. Whether you break down while travelling in the UK or in Europe, their Call Assist team will be ready to help you get back on the road again
  • excess protect cover – with excess protect, you’ll get your excess refunded when you make a claim.


Please read the extra options details carefully as terms and conditions apply.

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**Based on Online independent research by Consumer Intelligence during February 2019 50% of customers could save up to £219 on their car insurance premium.
*Qualifying purchases. 1 membership per 12 months. Meerkat Meals – 2 for 1 on equivalent starters, mains and desserts. Cheapest free. Sunday to Thursday. Participating restaurants. Booking required, max 6 people. Excl Kids meals, drinks and certain days. App only. Meerkat Movies – 2 for 1 on Tuesday or Wednesday. Participating cinemas. Standard tickets only. Cheapest ticket free. Please note your claim may take up to 48 hours to validate. Rewards T&Cs apply

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