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What impact does mileage have on car insurance premiums?
Understand how your annual mileage impacts car insurance and how to estimate it accurately.
Why choose 
We price competitively
We’re on a mission to drive more value for you. The 1st Central experience isn't just about great cover at a great price, but also an award-winning customer service.
Here when you need us
Should the worst happen, our 24/7 Claims team is always there to support you, from accident to repair—over the phone or online.
Partnered with RAC
Working with trusted partners like RAC, we offer various levels of RAC Breakdown Cover to suit your needs and get your car back up and running. You won’t be on the hard shoulder for long.
You get plenty of choice
Whether it’s Personal Accident or Breakdown Cover you’re looking for, we cater to your car insurance needs.
Star-rated quality
We’re proud to be rated 5 stars by Defaqto for our car insurance. When you’re covered with us, you’re in safe hands.
Simple to manage your policy
We’ve got everything to hand. When you need to view your documents, make a payment or amend your policy, just log in to Your Account – at home or on the go.
Your Account can do it all
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See all your insurance documents
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Control your payments
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Make changes to your insurance 24/7
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Exclusive customer offers
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Manage new and existing claims
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Renew your policy
Check out our products
Head to 1st Central Blog for essential reads
What our customers think
Here's what's central to
Sean
Ferdinand
Jacqueline
Emma
Cheryl
Brandon
Sean
Ferdinand
Jacqueline
Emma
Cheryl
Brandon
Ease. It's central.
“It was a very easy transition from previous insurer. The online service was straight forward too and I got covered without having to speak to anyone. The range of cover was excellent, so that’s why I chose 1st Central”.
Real people. It's central.
“I’ve been with First Central for 2 years and their customer service has been really good anytime that I’ve had to contact them. I love how I get to talk to a real person when I need to. They are supportive and provide great advice”.
Fair price. It's central.
“Their pricing is fair and the customer experience reminds me of a time when service really mattered. They're a refreshing touch in this modern age”.
Understanding. It's central.
“I passed my driving test in 2020, and my first insurer kept putting my price up. 1st Central were very understating of my situation as a first-time driver and will contact me if they see if I am struggling with payment…I think that is very considerate, and I really appreciate the support”.
Excellent service. It's central.
“The price for my cover is very reasonable for the level of cover I receive, and the customer service is excellent. Anytime I’ve had a to call the response times have been great and the advisor was very helpful”.
Support. It's central.
“I’ve only ever had insurance with 1st Central. The price has been reasonable, and I’ve also been given the support I needed throughout my time of being a customer, so I’ve never felt the need to move”.
*Based on the average discount Multicar customers received through October 2024 - September 2025
**From July 1st 2024 to June 30th 2025, 10% of 1st Central customers paid £247.90 or less for their car insurance, excluding 1st Central Connect policyholders.