Car Insurance

Great value car insurance from just £245 per year*

*In 2024, 10% of 1st Central customers paid £244.33 or less for their car insurance, excluding 1st Central Connect policyholders.

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A young girl in a lilac jumper smiling, pretending to hold a car wheel

Explore our range of products

Whatever your needs, we've got a policy for everyone with as many or as few features as you like.

Filter our car insurance products by cover type:

All the essentials at a lower price.

Here's what's covered

Includes: All standard benefits
Does not include: Sound Equipment Cover
Includes: Vandalism Cover
Includes: Courtesy Car
Includes: Medical Expenses
Includes: Hotel Expenses
Includes: Accidental Damage
Does not include: Windscreen Cover
Does not include: Personal Belongings
Does not include: Personal Accident
Does not include: RAC Breakdown Cover included
Does not include: Legal Expenses Cover up to £100,000

All standard benefits i-plus

These include:

Key assist
Driving abroad
Courtesy car
Accidental damage
Liability to others
Medical expenses
Third Party, Fire & Theft

Vandalism Cover i-fire-theft We’ll replace or repair a damaged windscreen or window (including scratched paintwork caused by broken glass) and this won’t affect your No Claims Discount.

Courtesy Car i-enhanced-car If you've made a claim on your policy and your car is being repaired by one of our approved repairers, they’ll typically provide you with a class A courtesy car (Small hatchback) for the duration of the repairs at no cost to you.

Medical Expenses i-medical-expenses You're covered for up to £100 of medical expenses for each person injured in your car if it’s involved in an accident.

Hotel Expenses i-home You're covered for up to £500 if you require a hotel stay when your car is involved in an accident.

Accidental Damage i-accident We’ll replace or repair your car, spare parts or accessories if they are lost, stolen or damaged.

Up to £1,500 Key Assist Cover i-key-assist With our Key Assist Cover, you'll be covered for any of the below:

Replacement of keys when lost, stolen or accidentally damaged (including immobiliser, infra-red handset or alarm if it can’t be reprogrammed)
All your car, home and office keys on your keyring
Locksmith charges
New locks if it's determined that your key claim represents a security risk
If your car is unusable, up to 3 days' of reasonable travel expenses at £50 per day while your keys are being replaced
Multiple claims across the policy term, totalling £1,500 per period of insurance
Claims up to £100 where the keys are locked inside a property or vehicle or broken in the lock or ignition
If you’re stranded due to keys being lost, accidentally damaged or stolen, up to £300 towards onward transportation costs to your destination

Don't worry, a key claim won't show as a claim and won't impact your No Claims Discount on your main motor policy

Please note Key Assist Cover doesn’t provide cover for keys damaged over time by wear and tear, non-accidental damage and general maintenance of insured cars keys or locks

Free to drive in Europe i-abroad Your 1st Central policy includes up to a maximum of 90 days’ free cover per policy year while driving your insured car in any EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra.

Liability to others i-legal You’ll be covered for amounts you’re legally liable to pay if someone else is injured or killed, or if their property is damaged as a result of an accident in your car.

Third Party, Fire & Theft i-fire-theft We’ll replace or repair your car, spare parts or accessories if they are lost or damaged due to fire, lightning, explosion, theft or attempted theft.

Our telematics-based insurance cover, you could save money for safer driving.

Here's what's covered

Includes: All standard benefits
Includes: Sound Equipment Cover
Includes: Vandalism Cover
Includes: Courtesy Car
Includes: Medical Expenses
Includes: Hotel Expenses
Includes: Accidental Damage
Includes: Windscreen Cover
Includes: Personal Belongings
Includes: Personal Accident
Does not include: RAC Breakdown Cover included
Does not include: Legal Expenses Cover up to £100,000

All standard benefits i-plus

These include:

Key assist
Driving abroad
Courtesy car
Accidental damage
Liability to others
Medical expenses
Third Party, Fire & Theft

Sound Equipment Cover i-sound We’ll cover all your navigational equipment, radio and any other audio and visual equipment which is permanently fitted to your car.

Vandalism Cover i-fire-theft We’ll replace or repair a damaged windscreen or window (including scratched paintwork caused by broken glass) and this won’t affect your No Claims Discount.

Medical Expenses i-medical-expenses You're covered for up to £100 of medical expenses for each person injured in your car if it’s involved in an accident.

Hotel Expenses i-home You're covered for up to £500 if you require a hotel stay when your car is involved in an accident.

Accidental Damage i-accident We’ll replace or repair your car, spare parts or accessories if they are lost, stolen or damaged.

Windscreen Cover i-windscreen We'll replace or repair a damaged windscreen or window (including scratched paintwork caused by broken glass) and this won’t affect your No Claims Discount.

Personal Belongings i-phone We'll pay up to £250 for loss of, or damage to, personal belongings in or on your car caused by accidental damage, fire or theft.

Personal Accident i-personal We’ll pay out up to £7,500 if an accident in your car results in your death, permanent loss of sight or loss of one or more limbs.

Up to £1,500 Key Assist Cover i-key-assist With our Key Assist Cover, you'll be covered for any of the below:

Replacement of keys when lost, stolen or accidentally damaged (including immobiliser, infra-red handset or alarm if it can’t be reprogrammed)
All your car, home and office keys on your keyring
Locksmith charges
New locks if it's determined that your key claim represents a security risk
If your car is unusable, up to 3 days' of reasonable travel expenses at £50 per day while your keys are being replaced
Multiple claims across the policy term, totalling £1,500 per period of insurance
Claims up to £100 where the keys are locked inside a property or vehicle or broken in the lock or ignition
If you’re stranded due to keys being lost, accidentally damaged or stolen, up to £300 towards onward transportation costs to your destination

Third Party, Fire & Theft i-fire-theft We’ll replace or repair your car, spare parts or accessories if they are lost or damaged due to fire, lightning, explosion, theft or attempted theft.

Our telematics-based insurance cover, you could save money for safer driving.

Here's what's covered

Includes: All standard benefits
Includes: Sound Equipment Cover
Does not include: Vandalism Cover
Does not include: Courtesy Car
Does not include: Medical Expenses
Does not include: Hotel Expenses
Does not include: Accidental Damage
Does not include: Windscreen Cover
Does not include: Personal Belongings
Does not include: Personal Accident
Does not include: RAC Breakdown Cover included
Does not include: Legal Expenses Cover up to £100,000

Up to £1,500 Key Assist Cover i-key-assist With our Key Assist Cover, you'll be covered for any of the below:

Replacement of keys when lost, stolen or accidentally damaged (including immobiliser, infra-red handset or alarm if it can’t be reprogrammed)
All your car, home and office keys on your keyring
Locksmith charges
New locks if it's determined that your key claim represents a security risk
If your car is unusable, up to 3 days' of reasonable travel expenses at £50 per day while your keys are being replaced
Multiple claims across the policy term, totalling £1,500 per period of insurance
Claims up to £100 where the keys are locked inside a property or vehicle or broken in the lock or ignition
If you’re stranded due to keys being lost, accidentally damaged or stolen, up to £300 towards onward transportation costs to your destination

Third Party, Fire & Theft i-fire-theft We’ll replace or repair your car, spare parts or accessories if they are lost or damaged due to fire, lightning, explosion, theft or attempted theft.

Our standard insurance with the added protection of Legal Cover.

Here's what's covered

Includes: All standard benefits
Includes: Sound Equipment Cover
Includes: Vandalism Cover
Includes: Courtesy Car
Includes: Medical Expenses
Includes: Hotel Expenses
Includes: Accidental Damage
Includes: Windscreen Cover
Includes: Personal Belongings
Includes: Personal Accident
Does not include: RAC Breakdown Cover included
Includes: Legal Expenses Cover up to £100,000

All standard benefits i-plus

These include:

Key assist
Driving abroad
Courtesy car
Accidental damage
Liability to others
Medical expenses
Third Party, Fire & Theft