Exclusive 10% discount for existing customers

Exclusive 10% discount for existing customers

We're now offering home insurance, designed to give you top-notch cover and peace of mind. As a valued motor insurance customer, you'll get a 10% discount on your home insurance with 1st Central. Terms and conditions apply.

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What’s included with 1st Central Home Insurance?  

Home Insurance starts from £164* We offer both buildings and contents cover, as well as contents cover on its own, so whether you need the bricks and mortar protected as well as your belongings, or just your belongings, we’ve got you covered with our great value insurance

*Based on 10% Buildings and Contents policies sold between April – September 2024 paying £164.

Start protecting your home

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What's included in our Home Insurance products?

We have two different types of Home Insurance products, Buildings and Contents Insurance, for those of you who need both the contents inside and outside your home covered, as well as the actual building, and Contents Insurance, which just covers all your personal belongings inside and outside your home.

Our Buildings Insurance covers:

  • Buildings covered
    Buildings insurance amount covered up to £500K 
  • Structural damage or loss
    Loss or damage to the structure of your home, including garages and outbuildings
  • Alternative accommodation
    Alternative accommodation if the home can’t be lived in following insured damage
  • Glass damage
    Accidental damage to glass and sanitary fittings 
  • Underground services
    Accidental damage to the mains services such as underground pipes
  • Leak cover
    Trace and access the source of a leak which is causing damage to the home
  • Metered water cover
    Accidental loss of metered water  
  • Replacement locks and keys
    Replacement locks and keys to external doors and windows of the home, if the keys are stolen or the locks are damaged

Our Contents Insurance covers:

  • Contents covered
    Contents insurance amount covered up to £75K  
  • Loss and damage
    Loss or damage to the contents in the home, including electricals and furniture 
  • Fridge and freezers contents 
    Loss or damage to the contents of fridges and freezers
  • Mirrors and glass damage
    Accidental damage to mirrors or glass 
  • Bike cover
    Pedal cycles when kept at home, up to the value of £350 
  • Cover for outbuildings
    Contents in outbuildings within the boundaries of the property
  • Cash cover
    Money that's kept at home
  • Optional cover
    Additional cover is available for valuable items worth more than £1,500 and bikes worth more than £350 as specified items at any time during your insurance cover

Protecting your home with 1st Central Home Insurance

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Additional cover for extra peace of mind

At 1st Central we know your home is more important than ever, that's why you can choose from a number of optional extras so you can tailor your home insurance to suit your needs. Our Home Insurance add-ons give extra peace of mind, and provide additional support when the unexpected happens, ensuring you can get on with your day.

Full Accidental Damage Cover

We offer Full Accidental Damage Cover to give your home an additional layer of protection, assisting with any unforeseen damage that may occur.

Home Emergency Cover

We'll help alleviate the stress for you when a home emergency arises, providing cover for up to £1,000 per claim.

Home Legal Protection Cover

We’ll provide you with up to £100,000 cover for legal costs for employment disputes, personal injury claims, property disputes, contract disputes and clinical negligence.

Personal Possessions Cover

If you need to make a claim for lost or damaged personal belongings, opting for personal possession coverage as an optional extra ensures you'll receive up to £5,000 in coverage.

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Terms and conditions

•    The 10% discount  is available on new quotes generated directly through the 1st Central website. The discount is included in the final quoted price shown and is not cashback.  

•     The discount only applies to the core home insurance policy and not to any ancillary products.

•    This discount maybe withdrawn at any time and cannot be used in conjunction with any other offer.  

•    All new quotations are subject to the prevailing policy terms and conditions . It is possible that we may be unable to offer you a quote.

•    You must be an existing 1st Central customer with a live motor insurance policy to be eligible for this discount. This 10% discount is only available for your permanent address, where your existing motor policy is registered.

•    Any policy purchased with this home insurance discount remains a separate policy and is subject to its individual terms and conditions.

•    By generating a quote, you agree to by bound by these terms and conditions.