Breakdown cover
24-hr unlimited roadside callouts and misfuelling cover
Why get car insurance from 1st Central?
1st Central provide car and home insurance, offering competitively priced cover with a comprehensive range of features and benefits. A strong emphasis on fraud prevention clamps down on false claims to help keep premium prices low. Four out of five of 1st Central's products come with a 5* Defaqto rating.
1st Central offers a number of benefits for policyholders, including:
Free class-A courtesy car when using their approved network for insured repair.
Uninsured Driver Promise - if you're hit by an uninsured driver and it's not your fault, you won't lose your No Claims Discount
New replacement car if the car is less than 12 months old and you're the first owner
90 days’ European cover
Up to £1,500 key cover
Up to £1,000 cover for in-car entertainment
Contact 1st Central:
To contact 1st Central:
You can telephone them on 0333 043 2044.
You can find their operating hours below:
Mon - Fri: 8am to 8pm Sat: 9am to 5pm Sun: 10am to 2pm Bank holidays: 10am to – 4pm
How much do 1st Central car insurance policies
These are the average prices of 1st Central car insurance policies across all drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors.
Fully Comprehensive
£530^
Third Party, Fire & Theft
£151^
Price breakdown by policy
Fully Comprehensive policy | Average price |
|---|---|
1st Central Connect | £1399^ |
1st Central Legal | £345^ |
1st Central Legal Online | £377^ |
1st Central Online | £379^ |
1st Central Plus (Breakdown) | £601^ |
1st Central Plus Online | £466^ |
1st Central Premier | £517^ |
1st Central Premier Online | £496^ |
1st Central Value | £792^ |
1st Central Value Online | £827^ |
Third Party, Fire & Theft | Average Price |
|---|---|
1st Central Premier Online | £319^ |
1st Central Premier | £941^ |
1st Central Plus Online | £286^ |
1st Central Plus (Breakdown) | £186^ |
1st Central Online | £260^ |
1st Central Legal Online | £213^ |
1st Central Legal | £177^ |
1st Central Connect | £1535^ |
What car insurance products do 1st Central offer?
There are six policy options for 1st Central car insurance. Each policy is available as comprehensive or third-party, fire and theft except the 1st Central Value policy which offers comprehensive cover only:
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1st Central
1st Central's standard policy comes with a 5 Star Defaqto rating and includes many features as standard, such as key cover and uninsured driver promise.
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1st Central Value
This cover is comprehensive only. It’s different from 1st Central, as it has a higher excess and doesn’t include additional features as standard
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1st Central Legal
Includes all the benefits of the standard policy, while automatically including Legal Expenses Cover as standard.
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1st Central Plus
Comes with all the benefits of the standard policy, plus Breakdown Cover which is provided by the RAC.
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1st Central Premier
Includes Legal Expenses Cover and RAC Roadside Breakdown Cover as standard, on top of all the benefits of the 1st Central policy.
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1st Central Connect
1st Central Connect is a 5 Star Defaqto rated telematics-based motor insurance policy. It comes with the same additional features as 1st Central's standard policy.
Can I cancel my 1st Central insurance policy and switch providers?
If you wish to cancel your 1st Central car insurance, you'll have to contact them directly either by phoning them or using their live chat.
If your policy is coming up for renewal: Contact them to discuss cancelling before your policy automatically renews. If your policy hasn't expired yet, there may be a small admin fee to process your cancellation.
If you've just taken out a policy: As per UK law, you legally have a 14 day cooling off period where you can cancel your policy within this timeframe and won't be charged
If your policy has auto-renewed at a higher rate: Contact 1st Central insurance directly to see if you can renegotiate or cancel your policy
What level of cover can I get with 1st Central?
1st Central offers two levels of cover:
Fully comprehensive: The highest level of cover you can get and is also the cheapest option of cover – so you'll be getting maximum peace of mind when you drive
Third party fire and theft cover: Middle level of cover you can take out from most providers – it offers more protection than third-party only, but not as much as fully comprehensive
What add-ons can I get with 1st Central?
1st Central offers the following add-on options for your car insurance policy:
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Personal accident cover
Personal accident cover can offer compensation if you're injured or killed in an accident
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Guaranteed hire car
You’ll get a hire car replacement if your car is damaged, stolen and not recovered
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Legal expenses
Up to £100k in costs if you’re in a no-fault accident
Why compare 1st Central car insurance with MoneySuperMarket?
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Quick and easy
It's simple to compare car insurance. Just pop in a few details about yourself, your car, and the cover you need.
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Compare with other insurers
You'll see how 1st CENTRAL compare to other insurers, making sure you're finding the best deal
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Never miss a renewal
With Car Monitor, we'll remind you when your MOT and tax are due, so you never miss a renewal date
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Who underwrites 1st Central insurance?
1st Central is underwritten by 1st Central Insurance.
Can I add other drivers to my 1st Central car insurance policy?
Yes, you can add named drivers onto your policy with you.
Can I pay 1st Central in monthly instalments?
Yes, you can pay for your policy in monthly instalments via Direct Debit, or in one annual payment.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 25 Dec 2025
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in July 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in July 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in July 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in July 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in June 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in July 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in July 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in June 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in May 2025.