Compare our products
On this page, you’ll find a summary of what you’re covered for in each of our products, helping you to work out exactly which level of cover is right for you.
Our product types
We offer Comprehensive or Third Party, Fire & Theft policy types, with a variety of products that offer a number of different add-ons and benefits. Plus, a handful of our products are now available as online-only policies, meaning you won’t have to pay any admin fees if you make a change online via Your Account.
Comprehensive Third Party, Fire & Theft
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| RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover |
| Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover |
| Personal belongings | Personal belongings | Personal belongings | Personal belongings | Personal belongings | Personal belongings | Personal belongings |
| Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual |
| Available as online only | Available as online only | Available as online only | Available as online only | Available as online only | Available as online only | Available as online only |
| Windscreen | Windscreen | Windscreen | Windscreen | Windscreen | Windscreen | Windscreen |
| Personal Accident | Personal Accident | Personal Accident | Personal Accident | Personal Accident | Personal Accident | Personal Accident |
| Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses |
| Courtesy car | Courtesy car | Courtesy car | Courtesy car | Courtesy car | Courtesy car | Courtesy car |
| Key Assist | Key Assist | Key Assist | Key Assist | Key Assist | Key Assist | Key Assist |
| Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft |
| Liability to others | Liability to others | Liability to others | Liability to others | Liability to others | Liability to others | Liability to others |
| Medical expenses | Medical expenses | Medical expenses | Medical expenses | Medical expenses | Medical expenses | Medical expenses |
| No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount |
| Driving abroad | Driving abroad | Driving abroad | Driving abroad | Driving abroad | Driving abroad | Driving abroad |
| Accidental damage | Accidental damage | Accidental damage | Accidental damage | Accidental damage | Accidental damage | Accidental damage |
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| RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover | RAC Breakdown Cover |
| Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover | Legal Expenses Cover |
| Personal belongings | Personal belongings | Personal belongings | Personal belongings | Personal belongings | Personal belongings |
| Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual | Audio and Visual |
| Available as online only | Available as online only | Available as online only | Available as online only | Available as online only | Available as online only |
| Windscreen | Windscreen | Windscreen | Windscreen | Windscreen | Windscreen |
| Personal Accident | Personal Accident | Personal Accident | Personal Accident | Personal Accident | Personal Accident |
| Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses | Hotel Expenses |
| Courtesy car | Courtesy car | Courtesy car | Courtesy car | Courtesy car | Courtesy car |
| Key Assist | Key Assist | Key Assist | Key Assist | Key Assist | Key Assist |
| Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft | Third Party, Fire & Theft |
| Liability to others | Liability to others | Liability to others | Liability to others | Liability to others | Liability to others |
| Medical expenses | Medical expenses | Medical expenses | Medical expenses | Medical expenses | Medical expenses |
| No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount | No Claims Discount |
| Driving abroad | Driving abroad | Driving abroad | Driving abroad | Driving abroad | Driving abroad |
| Accidental damage | Accidental damage | Accidental damage | Accidental damage | Accidental damage | Accidental damage |
*1st Central Connect is our telematics car insurance product and requires a sensor as well as the 1st Central Connect app.
** 1st Central are now able to provide online only versions of our Value, Standard, Legal, Plus and Premier products. Allowing customers the ability to manage their policy anytime, anywhere online without incurring an admin fee. For more information about each online version, please go to the individual product page.
Start protecting your car today
Explore our product range
We offer comprehensive or third party, fire & theft policy types, with a variety of products that offer a number of different add-ons and benefits. We’re now offering a number of our products as Online-only, allowing our customers to benefit from a cheaper way of making changes to their policy online.
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.
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, you get the same great coverage 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.
Don't just take our word for it
Our customers rate us as ‘Excellent’ on Trustpilot.