1ST CENTRAL cover

1ST CENTRAL cover comes with a 5 Star Defaqto rating and includes many features as standard, such as Key Assist and uninsured driver promise.

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This product has been rated 5 Star by Defaqto

What's included with 1SCENTRAL
car insurance?

The following is included as standard when you take out 1ST CENTRAL comprehensive cover.


Also includes

  • Audio and Visual

    The insurer will also cover your navigational equipment, radio and any other audio and visual equipment which is permanently fitted to your car, up to £1,000 or 15% of the value of your car, whichever is less.
  • Third Party, 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.
  • Liability to others

    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.
  • 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.
  • No Claims Discount

    For every year of claim-free driving, you’ll accrue No Claims Discount.
  • Personal belongings

    The insurer will pay for loss of, or damage to, personal belongings in or on your car caused by accidental damage, fire or theft. The most the insurer will pay is £250 for any one incident.
  • Driving abroad

    Your cover extends to 90 days of driving in any EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra.
  • Accidental damage

    We’ll replace or repair your car, spare parts or accessories if they are lost, stolen or damaged.
  • Uninsured Driver Promise

    If you have an accident with an uninsured driver and it wasn't your fault, your No Claims Discount won't be reduced, and you won't be charged a policy excess.

Does not include

  • RAC Breakdown Cover

    Be covered by one of our various levels of RAC Breakdown Cover to help you get back up and running.
  • Legal Expenses Cover

    If you have an accident and it’s not your fault, we’ll give you up to £100,000 of car insurance Legal Expenses Cover to help you recover uninsured losses and costs.
Looking for a policy with Legal Expenses Cover included as standard?

Looking for a policy with Legal Expenses Cover included as standard?

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The following is included as standard when you take out 1st CENTRAL Third Party, Fire & Theft cover.


Also includes

  • Audio and Visual

    The insurer will also cover your navigational equipment, radio and any other audio and visual equipment which is permanently fitted to your car, up to £1,000 or 15% of the value of your car, whichever is less.
  • Third Party, 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.
  • Liability to others

    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.
  • No Claims Discount

    For every year of claim-free driving, you’ll accrue No Claims Discount.
  • Driving abroad

    Your cover extends to 90 days of driving in any EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra.

Does not include

  • RAC Breakdown Cover

    Be covered by one of our various levels of RAC Breakdown Cover to help you get back up and running.
  • Legal Expenses Cover

    If you have an accident and it’s not your fault, we’ll give you up to £100,000 of car insurance Legal Expenses Cover to help you recover uninsured losses and costs.
  • Courtesy car

    You'll get a free Class-A courtesy car (e.g. a small hatchback), while your car is being repaired by one of our approved garages.
  • Personal Accident

    We’ll pay out up to £5,000 if an accident in your car results in your death, permanent loss of sight or loss of one or more limbs.
  • 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.
  • 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.
  • Accidental damage

    We’ll replace or repair your car, spare parts or accessories if they are lost, stolen or damaged.
Looking for a policy with more features included as standard?

Looking for a policy with more features included as standard?

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Start protecting your car today

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Additional cover for extra peace of mind

Here's a list of our optional extras that can be added to our products.

Don't just take our word for it

Our customers rate us as ‘Excellent’ on Trustpilot.

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help & support page.

Visit Help & support

Frequently asked questions

Do you offer live chat?

We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat icon at the bottom right of the page.

You can live chat and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance teams.

You can also make a payment if you’re in arrears providing, we already hold your payment method on your account
See our opening hours here.

See our opening hours here

We offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat icon at the bottom right of the page.

Popular questions we get asked via chat:

What are your opening hours?

Remember, you can manage your car insurance online. Simply log in to Your Account to review and update your details with ease - anytime, anywhere and for a reduced admin fee.

Customer Services

Discuss or make a change to an existing policy:
Webchat
0333 043 2066

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm
Bank holidays: 10am to - 4pm

Sales

Enquire about a quote for a new policy:
Webchat
0333 043 2044

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm
Bank holidays: 10am to - 4pm

Renewals

Renew an existing policy:

Webchat
0333 043 2055

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm
Bank holidays: 10am to - 4pm

New Claims

Report a new claim:
0333 043 2011

24 Hours a day, 7 days a week

Make a windscreen claim:
0333 043 2012

newclaims@1stcentral.co.uk 
24 Hours a day, 7 days a week.

Key Assist

Discuss or claim on your Key Assist cover:
0333 043 2011
24 Hours a day, 7 days a week

Instalment Enquiries

Discuss your monthly instalments or an outstanding debt:
Webchat
0333 043 2088

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm

Existing Claims

Discuss an ongoing claim:
Webchat 
0333 043 2022

Mon - Fri: 9am to 6pm

claims@1stcentral.co.uk

How do I cancel my car insurance policy?

If your renewal date is due within the next 30 days and you don't wish to renew, please call us on 0333 043 2055.

For all other policies please call us on 0333 043 2066.

Our opening hours are:

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm
Bank holidays: 10am to - 4pm

Cancelling your direct debit instruction won't automatically cancel your policy and you may incur additional charges.

Details of our fees are here.

How much do you charge if I cancel my policy?
Details of our fees are here.