1ST CENTRAL Connect cover

1ST CENTRAL Connect is our telematics-based car insurance, offering a tailored insurance premium based on how your car is driven. That means the safer you drive, the higher your score — and the better your discount at renewal.

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This product has been rated 5 Star by Defaqto

What is telematics car insurance?

Telematics car insurance requires you to install a small device in your car to monitor your driving. It will then score you based on a few different factors to determine how safely you drive.

Some insurers call this “black box” car insurance, and require an engineer to come out and fit the “black box” telematics device in your vehicle. 


However, there’s no need for a black box or engineer call out with 1ST CENTRAL Connect. Our telematics equipment is a little sensor, which you place on your windscreen and link your phone to. In less than 5 minutes, it's set up and you’re ready to go.

What is 1ST CENTRAL Connect?

1ST CENTRAL Connect is our telematics-based motor insurance policy. As part of the policy, you share your driving data with us, so we can give you a fair price based on your driving score. 

The higher your score, the better the discount on your car insurance!

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Why choose 1ST CENTRAL Connect?

  • Easy self-fit sensor - no engineers required!
  • Every journey recorded as soon as it's set up
  • No curfews mean you can drive 24/7
  • View scores for every journey you or any named drivers take
  • Crash detection setting picks up when your car is in a crash, and can send information to start a claim straight away
  • Renewal prices based on your driving score - the higher the score, the better your discount
  • You'll have peace of mind with our 5 Star Defaqto rated cover

How 1ST CENTRAL Connect works

Download the 1ST CENTRAL Connect app

Download the 1ST CENTRAL Connect app on the Apple App StoreGet the 1ST CENTRAL Connect app on the Google Play Store

What's included with 1SCENTRAL Connect
car insurance?

The following is included as standard when you take out 1ST CENTRAL Connect 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 Connect 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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How we measure your driving

The smart 1ST CENTRAL Connect sensor records the trips you make and measures things like hard acceleration, braking and cornering in addition to speeding and phone usage whilst driving. Then it’ll give you a score.

Get hints and tips to improve your driving

When you download the 1ST CENTRAL Connect app, you’ll receive regular updates on your driving score. You’ll also get hints and tips on how to drive safely. Keep driving well to reach milestones and receive badges.

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

Is my smartphone compatible with 1st CENTRAL Connect?
Please check your phone compatibility below.
 
Compatible operating systems Incompatible operating systems Incompatible phones
Android 12 Android 7 Samsung Galaxy Note 11
Android 11 Android 8 Samsung Galaxy A10e
Android 10   HTC One (M8)
Android 9   Huwawei Ascend P7
Android 8   Blu Life One XL
    Asus Zenfone 2
IOS 15 IOS 11 Huawei P8 and P8 Lite
IOS 14   ZTE Blade Z Max Z982
IOS 13   ZTE Blade Spark Z971
IOS 12   iPhone 7+ and older

If you're unsure which operating system is in use, please check the settings on your phone.

Do I need to have the app open for the trip?
You don't need to open the app for every trip. It works in the background and will collect your data any time a trip is detected. However, we make sure that your smartphone has a minimum of 20% battery and is turned on during your trips.
When will my 1st CENTRAL Connect sensor be delivered?
Your sesnsor will be sent by post to your stated address, usually within 7 days from when your policy starts. If you haven't received your sensor within this time please contact us immediately.

Details of our contact numbers and opening hours are here.
What does the 1st CENTRAL Connect app detect and measure?

The 1st CENTRAL Connect app detects and measures a number of things, including:

Phone usage while driving - Don't use your smartphone whilst driving or hand it to a passenger to use. This can affect your driving score as the app detects when your phone is being used while your car is being driven.

Speed - Your driving score will be affected if you go over the speed limit. Always keep an eye on your speed and be aware of what the speed limit is.

Braking - The app will detect any hard or fast braking you make. Allow yourself enough time to break gradually, so you have plenty of time to react.

Cornering - Quick or hard turns when taking a corner can affect your driving score. So always try to drive smoothly and precisely around corners.

Hard acceleration - Your driving score will be affected if you accelerate too quickly. Gentle acceleration is always best - it's safer and doesn't put a strain on your car's engine.

What are my responsibilities?

As this is a telematics policy:

  • You and all drivers on the policy must have a compatible smartphone
  • You must install the sensor and you and any named drivers must download and register with the 1ST CENTRAL Connect app within 14 days of the start date of the policy
  • You must link the sensor with your smartphone and attach the sensor to your windscreen without it blocking your view within 14 days of the start date of your policy
  • All drivers on the policy must have their smartphone with them for every journey so you can share your driving data with us
  • Whilst your policy is in force, you musn’t remove the sensor from your car or remove the 1ST CENTRAL Connect app from your smartphone
  • Your vehicle score must stay above the minimum threshold of 50 or your policy may be cancelled
  • You must not speed or use your mobile phone whilst driving. If you do, your policy may be cancelled