1st Central

Who are 1st Central Insurance?

Established in 2008, 1st Central Insurance has rapidly expanded to become a prominent player in the insurance sector, issuing over 2 million policies to date. Renowned for their comprehensive range of car insurance products, they have earned a coveted 5-star rating from Defaqto, solidifying their status as a leading insurance provider.

Commitment to Competitive Pricing

1st Central is dedicated to providing highly competitive pricing to their customers. With a dynamic pricing team that continually adjusts rates based on industry trends, they ensure their promise of affordable coverage remains intact. Moreover, their proactive approach to combating insurance fraud contributes significantly to maintaining low premiums.

Overview of 1st Central Insurance

1st Central operates under the umbrella of FCG, a larger conglomerate, and boasts a workforce of over 500 employees across two offices in Haywards Heath. They prioritize exemplary customer service while striving to offer budget-friendly coverage options to their clientele.

Key Facts

  • Over Jan 2013 – Nov 2015, 9 out of 10 customers rated 1st Central as good or excellent based on Feefo reviews.
  • Customers can enjoy up to a 65% no claims discount.
  • Since their inception in 2008, 1st Central has insured more than 2 million customers.

Types of Car Insurance Offered

1st Central Insurance offers a comprehensive suite of coverage options under their flagship product, 1st Central Insurance Simple Driven:

Cover Options

  • Key Assist
  • Courtesy Car
  • Medical Expenses
  • Personal Belongings
  • Driving Abroad
  • Personal Accident
  • Liability
  • Windscreen
  • Fire & Theft
  • Accidental Damage
  • No Claims Bonus Discount

European Coverage

Customers benefit from 90 days of European coverage, allowing them to drive across the EU. Additionally, coverage extends to select countries outside the EU, including Norway, Croatia, Switzerland, Iceland, Andorra, and Liechtenstein.

Additional Benefits

Standard policies include coverage for each occupant in the vehicle, ensuring access to medical services in case of an accident. Moreover, the policy provides substantial payouts for personal accidents resulting in the loss of limb or vision. Other perks include a lost key service and a courtesy car during repairs.

Optional Extras

In addition to their standard offerings, 1st Central Insurance provides a range of optional extras to enhance coverage:

  • Personal Accident Cover: Increases medical expense coverage significantly.
  • Hire Car Cover: Offers full use of a replacement vehicle for up to 28 days in case of total loss or theft.
  • Excess Protection Cover: Provides a refund on excess payments for at-fault accidents.
  • Legal Expenses Cover: Offers up to £100,000 in legal expenses for uninsured losses.