Who are 1st Central?
1st Central is part of First Central Group and is solely focused on providing motor insurance. The insurer has more than one million customers and its staff work in four different locations: Guernsey, Gibraltar, Sussex and Manchester.
1st Central is a trading name used by First Central Insurance Management Limited, which is authorized and regulated by the Financial Conduct Authority (FCA).
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Why should I consider 1st Central?
1st Central offers both property and casualty insurance and liability, fire and theft insurance, with five different types of policies to choose from: 1st Center value, 1st Central, 1st Legal Center, 1st Central Plus and 1st Central Prime Minister.
Each type of policy offers a number of different options and benefits, although 1st Central Value is not available for liability, fire and theft insurance.
All comprehensive car insurance policies offer courtesy car, key cover, driving abroad and accidental damage cover as standard. RAC Breakdown Cover, Legal Expenses and Rental Car Cover can also be added to policies at an additional cost if not already included.
Multi-car insurance policies are also available, with customers receiving a £50 reduction on each additional car insured with the supplier.
Finally, 1st Central’s Legal, Plus, and Premier fonts are rated five stars by Defaqto.
How to contact 1st Central
Customers with questions about auto insurance can contact 1st Central by telephone between 8 a.m. and 8 p.m. Monday to Friday, between 9 a.m. and 5 p.m. on Saturday, and between 10 a.m. and 2 p.m. on Sunday. Alternatively, customers can use the live chat feature on the website.
Existing customers can also log into the MyAccount section of the website to view and update their information and manage their policy, 24/7.
Alternatively, 1st Central can be found on Twitter under @1stCentral, as well as on Facebook.
How to find the best coverage for you
Getting affordable auto insurance is important, but there are also a number of other factors you’ll need to consider when comparing policies. Choosing the cheapest auto insurance policy you can find doesn’t necessarily mean you have the right level of cover and could put you at risk of being underinsured.
It’s important to check each policy’s level of cover to see what’s included as standard and what you may need to pay extra for. Experiment by running multiple quotes and choosing different add-ons to see how it affects the price to ensure you get the best deal.
Choosing a more expensive policy that offers everything you need will work better for your pocket in the long run if you need to make a claim.
Why it makes sense to compare products and suppliers
Auto insurers have traditionally offered their most competitive offers to new customers, while those who have remained loyal to their insurer year after year have generally paid more.
However, new rules introduced by the FCA in January 2022 mean that car (and home) insurance companies can no longer charge existing customers more for their renewal than they would charge a new customer for the equivalent policy.
Despite this, shopping around for your auto insurance every year is still the best way to ensure you get the right level of coverage at the best price.
As part of your comparison, it’s also worth researching customer reviews on sites like Trustpilot to see how existing policyholders rate their coverage and customer service. Defaqto also awards stars to car insurers, which can give you a good indication of the service they provide.