Car insurance quotes
At 1st Central, we provide affordable car insurance with excellent levels of cover, alongside a range of benefits and optional extras designed to give you complete peace of mind. To find out how much your insurance will cost with us, start by entering your registration below.
Explore our product range
1st Central Value
This is our basic product which produces a lower premium for our customers.
1st Central Connect
This is our telematics-based car insurance product. The safer you drive, the higher your score — and the better your potential renewal discount.
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1st Central
This is our standard product and includes the likes of Key Assist and Personal Accident Cover.
1st Central Legal
This is one of our inclusive packages which includes Legal Expenses Cover.
1st Central Plus
This is our standard product with an additional benefit of RAC Breakdown Cover.
1st Central Premier
This is one of our most inclusive packages which includes RAC Breakdown Cover and Legal Expenses Cover.
How much does car insurance cost?
The cost of car insurance is influenced by a number of different factors, all that we’ll look at. These include everything from the number of claims being made and your own details and driving experience, through to what's currently happening throughout the world that we live in.
Once you’ve entered all your details for a car insurance quote, these are an example of some of the conditions that affect the price of your car insurance.
The car you're insuring
Whether it’s the age, the make or the value of your car, these will all impact of the price of your insurance.
Where you live
If you live in an area with a higher frequency of claims, increased thefts or high cost of repairs, this could increase costs.
Your own driving history
If you’ve made claims within the last five years, or have any previous driving convictions, this can also make the cost of your car insurance higher.
Your driving patterns
The nature of your journeys, such as your annual mileage or whether you use your car for commuting, will also impact the price.
Repair costs
Inflating parts and repair costs are taken into account each year when setting insurance prices.
Fraud
Unfortunately insurance fraud impacts us all, adding an estimated £50 to every premium. Rest assured, we’re always looking at new ways to combat fraud in order to keep prices down for honest customers. It’s important to enter in accurate details when getting a quote, to stop your policy becoming invalid.
Enter your reg to get a car insurance quote today
Have you heard about our online products?
We're now offering online versions of Value, Standard, Legal, Plus and Premier car insurance, but what does that mean?
With our online car insurance policies, although you won’t have access to our call centre, you’ll still get the same great coverage and service you’ve come to expect from us, but with the ability to make changes to your policy online with no admin fees, making it easier and cheaper than ever to manage your car insurance.
SAVE £50 on every additional car you insure with us
More than one car? We've got you covered. Our Multicar discount will save you £50 on each additional car you or anyone in your household insures with us.
Our car insurance has been rated 5 Star by Defaqto
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Additional cover for extra peace of mind
Below are some of the optional extras we offer, so you can tailor your cover to suit your needs.
RAC Breakdown Cover
We offer five levels of RAC Breakdown Cover to suit your needs and get your car back up and running.
Personal Accident Cover
We’ll help you financially by providing up to £60,000 per person when an accident results in serious or fatal injury.
Hire Car Cover
We will give you a hire car for up to 28 days and deliver it to your home address if your car is written off or stolen and not recovered, meaning you can go about your daily life uninterrupted.
Excess Protect Cover
You’ll get your excess refunded when you make a claim resulting from the likes of fire, theft, vandalism or flood, regardless of fault.
Legal Expenses Cover
If you have an accident and it’s not your fault, we’ll give you up to £100,000 of Legal Expenses Cover to help you recover uninsured losses and costs.
Protected No Claims Discount
If you need to make a claim, you don’t need to worry about your NCD being impacted, our guaranteed Protected No Claims Discount has you covered.
Don't just take our word for it
Our customers rate us as ‘Excellent’ on Trustpilot.