1st Central Insurance

1st Central Insurance: car and home insurance in the UK

1st Central Insurance is an insurer that offers car and home insurance. The company states it protects 1.4 million customers and presents its proposition as a combination of competitive prices and customer service. Its catalogue is organised into two main branches: car insurance and home insurance, with additional options available separately.

Car insurance

The car offering includes car insurance, electric vehicle insurance, multicar insurance and telematics insurance. The company states it has more than 15 years of experience in this line and offers the possibility of uploading the customer's current policy to speed up the quote request. The catalogue shows an annual premium from £257, according to data published by the company itself for the period between 1 July 2025 and 30 June 2026.

Optional covers include RAC breakdown cover, personal accident cover, hire car cover, excess protect cover, legal expenses cover, protected no claims discount cover and key assist. The company also offers a multicar discount that allows up to five vehicles to be insured and which, according to its data, can save up to £50 for each additional car insured.

Home insurance

In the home line, 1st Central offers buildings insurance, contents insurance, a combined buildings and contents option, accidental damage cover, home emergency cover, home legal protection cover and personal possessions cover. Customers who already have a car insurance policy with the company can get 10% off home insurance.

Claims service and policy management

The company has a claims team available 24 hours a day, every day, which handles enquiries by phone or online and supports the customer from the accident through to repair. Policies are managed through an online customer account that allows customers to view documents, control payments, amend their policy, manage new and existing claims, renew their policy and access exclusive customer offers.

Awards and ratings

The company states that its car insurance has been rated 5 stars by Defaqto. The website includes customer testimonials highlighting the ease of purchase, the service received and the relationship between price and cover. The company presents itself as an option with competitive pricing and award-winning service, claims that correspond to its own communication.

Informational content

1st Central maintains a blog with articles on UK car tax, accidental damage cover for the home, safety after a vehicle is stolen or vandalised, car warranties and medical conditions that must be declared to the insurer, among other topics.

Corporate details

1st Central is a trading name used by First Central Insurance Management Ltd, a company authorised and regulated by the Financial Conduct Authority with reference number 483296. It is registered in England and Wales with number 6489797 and its registered office is at Capital House, 1 - 5 Perrymount Road, Haywards Heath, West Sussex, RH16 3SY.

Location and contact

Capital House, 1 - 5 Perrymount Road, Haywards Heath, West Sussex, RH16 3SY