Unlock great value with your car insurance
Sometimes you get more than you bargained for, and with our Colleague, Friends and Family discount, you'll be amazed at how much you and your nearest and dearest can save.
What you'll get
All these special perks are also automatically applied at renewal, so no more searching for better quotes!
£100 off car insurance
Enjoy a £100 discount on our 5 Star Defaqto rated car insurance policy. Sweet!
Enjoy mates’ rates
Get discounts on optional extras like RAC Breakdown Cover and Legal Expenses Cover.
0% interest monthly payment plan
No interest to pay – even on a monthly plan.
No admin fees
Make changes to your policy online without incurring any admin fees.You’ll get peace of mind included as standard
When you choose 1st Central Car Insurance, you're getting more than just coverage – you're getting peace of mind every time you drive. Plus, our cover includes these great benefits at no extra cost.
Driving abroad
As standard, you get up to 90 days of free cover per year when driving your car in any EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra. Ready for a road trip?
Lost or stolen key cover
If your keys are lost, stolen, or accidentally damaged, we cover up to £1,500 for costly replacement locks, keys and locksmith fees. Don’t worry, it happens to everyone.
Third Party, Fire & Theft
We’ll replace or repair your car, spare parts or accessories if they’re lost or damaged due to fire, lightning, explosion, theft or attempted theft.
Liability to others
You’re covered for any legal liability if someone is injured, passes away, or their property is damaged as a result of an accident in your car.
How to get £100 off and unlock more discounts
Click ‘Get a quote’ and select colleague, friend or family member
Enter your own, a friend’s, or a family member's colleague ID number
Fill in your details to unlock savings instantly
Optional extras for peace of mind
Here's a list of our optional extras that can be added to our products, and even better, as a Colleague, Friend or Family, you'll get these at a discounted price.
Breakdown Cover
Answers to important questions
What car insurance payment options do you offer?
If you're 18 or over, you have the option of paying in full or in instalments, subject to a creditworthiness assessment. It's more expensive to pay for your policy by monthly instalments instead of paying in full, because you're charged interest on a loan.
However, if you're 17 you'll need to pay in full as car finance is not an option for 17-year-olds, as you're not allowed to sign a credit agreement until the age of 18.
If you decide to pay by instalments, we offer two options: a direct debit from your bank or monthly recurring card payments from a debit or credit card.
When you purchase a policy for the first time and decide to pay monthly, you'll be required to pay a deposit on the day you purchase, in addition to your monthly instalments.
We accept the following cards:
Visa, Visa Electron, Mastercard, Maestro
How can I access my documents?
Your documents are kept safe and sound in Your Account so you can access them whenever you like. Log in using your email address – your password will be your policy number – and you can change this once you’ve logged in.
If you have forgotten your password or don’t remember setting up an account when you bought your policy, please click on the ‘I’ve forgotten my details’ link.
How do I make changes to my car insurance?
Your Account is the place to go to make updates to your policy and if you make a change through Your Account, you'll benefit from paying a reduced admin fee.
You can log in to Your Account here.
Does my car insurance cover me to drive other cars?
If you are aged 25 or over, then in a majority of cases we will cover you to drive other cars, although there are some exceptions to this rule, for example some occupations won't be covered.
Please don't assume that you are covered without first checking your Certificate of Motor Insurance. When you buy a policy with us, we will email this to you and can also be accessed within Your Account. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1ST CENTRAL will provide Third Party only cover for any accident involving the car, while you're driving it. This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you're driving.
When you're getting a quote, we'll tell you before you buy whether driving other cars is included.
The following conditions must be met for this cover to apply:
- You must obtain prior permission from the owner of the car
- You are still in possession of your own car, it is still insured and it has neither been damaged beyond economical repair nor stolen
- The other car is not owned by you and is insured by another insurance policy to drive on the public highway (and is not a rental car, or hired to you under a hire purchase or leasing agreement)
- You are not named as a driver of the other car on any Certificate of Motor Insurance
- You are not using this cover to remove the car in the event it has been seized by, or on behalf of, any government or public authority
What are your opening hours and contact numbers?
Please click here to find out more information about our opening times and contact numbers.
