What are 1st Central's products?
What changes are being made to your products?
We’re saying goodbye to our four current products; 1st Central, 1st Central Plus, 1st Central Legal and 1st Central Premier. This means these products will no longer be available when taking out a new policy.
Are you introducing new products?
Yes, from 8th May 2025, we’re excited to be introducing a brand-new range of 1st Central Core Products, which will be available when purchasing a new policy.
Will this affect my current policy?
Not at all! Existing policies will remain exactly as they are, so your policy remains unaffected. This change only applies to customers looking to purchase a new car insurance policy.
What should I do now?
No action is needed, we’ll make sure that you’re updated along the way!
Please see our 1st Central products in the drop down below:
1st Central Value car insurance
Our 1st Central Value product provides motor insurance at our lowest price possible. It’s different from our 5 Star Defaqto rated product, as it has a higher excess and doesn’t include cover for glass damage, loss of personal belongings, personal accident cover, audio equipment or our uninsured driver promise.
From the 8th May 2025, 1st Central Value Online will only be available for existing 1st Central Value Online customers at renewal.
1st Central Connect car insurance
1st Central Connect is our user-friendly telematics policy. Telematics is a motor insurance policy where you share your driving data with us, so we can provide you with a fair price based on how you drive.
Click here to find out more information.
1st Central Core car insurance
1st Central Core is our brand-new car insurance product that’s available when purchasing a new policy. This product is for customers who are looking for an affordable option but still want the security of a 5-star Defaqto rated product. You can enjoy great coverage, by choosing a product with fewer features.
We provide both online and contact centre support for this product. Please note that different fees may apply when making changes to your policy, depending on whether you make changes over the phone or in Your Account.
1st Central Legal car insurance
This product will only be offered at renewal for existing 1st Central Legal customers which includes Legal Expenses Cover as standard.
If your policy inception or renewal date was before 01/10/2024, your Legal Expenses Cover is provided by Coplus.
If your policy inception or renewal date was on or after 01/10/2024, your Legal Expenses Cover is provided by Carpenters which is underwritten by Allianz Insurance PLC.
See what features are included in our Legal Expenses Cover.
View our 1st Central Legal policy wording on our Insurance document page.
How do I contact 1st Central Legal?
1st Central Legal is a 1st Central product and all usual contact details apply. View contact details
How do I know if I have a 1st Central Legal policy?
Log in to Your Account and select ‘My documents’. If you have a 1st Central Legal policy, you’ll see that your ‘Insurance Document Wording’ document has a 1st Central Legal logo on the front, and that your ‘Schedule’ document will show that Legal Expenses Cover is included on your policy.
1st Central Premier car insurance
This product will only be offered at renewal for existing 1st Central Premier customers, which includes Breakdown Cover and Legal Expenses Cover as standard.
The Breakdown Cover is provided by the RAC.
See what features are included in our Breakdown Cover.
If you need RAC’s help, please call 0330 159 8714.
If your policy started or renewed before 01/10/2024, your Legal Expenses Cover is provided by Coplus.
If your policy started or renewed date on or after 01/10/2024, your Legal Expenses Cover is provided by Carpenters.
See what features are included in our Legal Expenses Cover.
View our 1st Central Premier policy wording on our Insurance document page.
How do I contact 1st Central Premier?
1st Central Premier is offered by 1st Central product, and all usual contact details apply.
How do I know if I have a 1st Central Premier policy?
Log in to Your Account and select ‘My documents’. If you have a 1st Central Premier policy, you’ll see that your ‘Insurance Document Wording’ document has a 1st Central Premier logo on the front, and that your ‘Schedule’ document will show that Legal Expenses Cover is included on your policy, as well as what level of Breakdown Cover you have.
1st Central Plus car insurance
This product will only be offered at renewal for existing 1st Central Plus customers, and this product includes Breakdown Cover. Breakdown Cover is provided by the RAC.
See what features are included in our Breakdown Cover.
If you need RAC’s help, please call 0330 159 8714.
View our 1st Central Plus Policy Wording on our Insurance document page.
How do I contact 1st Central Plus?
1st Central Plus is offered by 1st Central product and all usual contact details apply.
How do I know if I have a 1st Central Plus policy?
Log in to Your Account and select ‘My documents’. If you have a 1st Central Plus policy, you’ll see that your ‘Insurance Document Wording’ document has a 1st Central Plus logo on the front. Your ‘Schedule’ document will show whether Breakdown is included on your policy and what level of cover you have.
1st Central Online car insurance
1st Central Online is a car insurance product offered by 1st Central, which includes benefits like Key Assist and Personal Accident Cover. When managing or making any changes to your policy, cancelling or renewing, this is all done online through Your Account.