1st Central Legal cover

1st Central Legal cover

1st Central Legal cover comes with a 5 Star Defaqto rating and includes all the benefits of our standard policy, while automatically including Legal Expenses Cover as standard.

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This product has been rated 5 Star by Defaqto

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Have you heard about our online products?

Did you know that you could get 1st Central Legal cover at a slightly cheaper price? Not only that, but whenever you need to make a change, you can make them online with no admin fees!

Sound good? Get a 1st Central Legal Online quote in minutes!


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What's included with 1st Central Legal car insurance?

The following is included as standard when you take out 1st Central Legal Comprehensive cover.

Legal Expenses Cover

If you have an accident and it’s not your fault, we’ll give you up to £100,000 of car insurance Legal Expenses Cover to help you recover uninsured losses and costs.

Personal Accident

We’ll pay out up to £7,500 if an accident in your car results in your death, permanent loss of sight or loss of one or more limbs.

Courtesy car

You'll get a free Class-A courtesy car (e.g. a small hatchback), while your car is being repaired by one of our approved garages.

Key Assist

You're covered for up to £1,500 for keys that are lost, stolen or damaged by accidental means - and up to 3 days’ car hire. Claiming won’t affect your No Claims Discount. Find out more about Key Assist.

Also includes

  • Personal belongings

    We'll pay up to £250 for loss of, or damage to, personal belongings in or on your car caused by accidental damage, fire or theft.

  • Audio and Visual

    We’ll cover your navigational equipment, radio and any other audio and visual equipment which is permanently fitted to your car.

  • Available as online only

    This product can be available as an online only product, allowing you to benefit from no admin fees when making changes online.

  • Windscreen

    We'll replace or repair a damaged windscreen or window (including scratched paintwork caused by broken glass) and this won’t affect your No Claims Discount.

  • Hotel Expenses

    You're covered for up to £500 if you require a hotel stay when your car is involved in an accident.

  • Third Party, Fire & Theft

    We’ll replace or repair your car, spare parts or accessories if they are lost or damaged due to fire, lightning, explosion, theft or attempted theft.

  • Liability to others

    You’ll be covered for amounts you’re legally liable to pay if someone else is injured or killed, or if their property is damaged as a result of an accident in your car.

  • Medical expenses

    You're covered for up to £100 of medical expenses for each person injured in your car if it’s involved in an accident.

  • No Claims Discount

    For every year of claim-free driving, you’ll accrue No Claims Discount.

  • Driving abroad

    Your cover extends to 90 days of driving in any EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra.

  • Accidental damage

    We’ll replace or repair your car, spare parts or accessories if they are lost, stolen or damaged.

  • Uninsured Driver Promise

    If you have an accident with an uninsured driver and it wasn't your fault, your No Claims Discount won't be reduced, and you won't be charged a policy excess.

Does not include

  • RAC Breakdown Cover

    Be covered by one of our various levels of RAC Breakdown Cover to help you get back up and running.
Looking for a policy with RAC Breakdown Cover included as standard?

Looking for a policy with RAC Breakdown Cover included as standard?

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Read the policy documents

The following is included as standard when you take out 1st Central Legal Third Party, Fire & Theft cover.

Legal Expenses Cover

If you have an accident and it’s not your fault, we’ll give you up to £100,000 of car insurance Legal Expenses Cover to help you recover uninsured losses and costs.

Key Assist

You're covered for up to £1,500 for keys that are lost, stolen or damaged by accidental means - and up to 3 days’ car hire. Claiming won’t affect your No Claims Discount. Find out more about Key Assist.

Also includes

  • Audio and Visual

    We’ll cover your navigational equipment, radio and any other audio and visual equipment which is permanently fitted to your car.

  • Available as online only

    This product can be available as an online only product, allowing you to benefit from no admin fees when making changes online.

  • Third Party, Fire & Theft

    We’ll replace or repair your car, spare parts or accessories if they are lost or damaged due to fire, lightning, explosion, theft or attempted theft.

  • Liability to others

    You’ll be covered for amounts you’re legally liable to pay if someone else is injured or killed, or if their property is damaged as a result of an accident in your car.

  • No Claims Discount

    For every year of claim-free driving, you’ll accrue No Claims Discount.

  • Driving abroad

    Your cover extends to 90 days of driving in any EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra.

  • Uninsured Driver Promise

    If you have an accident with an uninsured driver and it wasn't your fault, your No Claims Discount won't be reduced, and you won't be charged a policy excess.

Does not include

  • RAC Breakdown Cover

    Be covered by one of our various levels of RAC Breakdown Cover to help you get back up and running.

  • Windscreen

    We'll replace or repair a damaged windscreen or window (including scratched paintwork caused by broken glass) and this won’t affect your No Claims Discount.

  • Personal Accident

    We’ll pay out up to £7,500 if an accident in your car results in your death, permanent loss of sight or loss of one or more limbs.

  • Courtesy car

    You'll get a free Class-A courtesy car (e.g. a small hatchback), while your car is being repaired by one of our approved garages.

  • Medical expenses

    You're covered for up to £100 of medical expenses for each person injured in your car if it’s involved in an accident.

  • Accidental damage

    We’ll replace or repair your car, spare parts or accessories if they are lost, stolen or damaged.
Looking for a policy with more features included as standard?

Looking for a policy with more features included as standard?

Compare product types

Read the policy documents

Start protecting your car today

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Additional cover for extra peace of mind

Here's a list of our optional extras that can be added to our products.

RAC Breakdown Cover

We offer five levels of RAC Breakdown Cover to suit your needs and get your car back up and running. 

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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.

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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.

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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.

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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.

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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.

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Don't just take our word for it

Our customers rate us as ‘Excellent’ on Trustpilot.

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We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Go to our help section

Frequently asked questions

Do you offer live chat?

We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat web chat icon at the bottom right of the page.

You can use web chat to and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance team.

You can also make a payment if you’re in arrears, providing we already hold your payment method on your account.

See our opening hours here

How do I get in contact with you about my car insurance?

Remember, you can manage your car insurance online. Simply log in to Your Account to review and update your details with ease - anytime, anywhere and for a reduced admin fee.

If you have a 1st Central Online policy, everything is done through Your Account. So, you'll need to log in to manage, make changes, cancel or renew your policy.

Click here to find out our Festive opening hours.

Customer Services, Sales, Renewals and Instalment enquires

To make a change, discuss your monthly instalments or an outstanding debt, enquire about a quote or renew your policy:

Webchat
0333 043 2085

Mon - Fri: 8am to 8pm
Sat: 9am - 5pm
Sun: 10am to 2pm
Bank Holidays: 10am to 4pm

New Claims

Report a new claim:
0333 043 2011
24 Hours a day, 7 days a week

Make a windscreen claim:
0333 043 2012

Existing Claims
Discuss an ongoing claim:
Webchat 
0333 043 2022
claims@1stcentral.co.uk

Mon - Fri: 9am to 6pm
Bank holidays: 10am to 4pm

1st Central Connect customers
If you're looking to get a new quote, retrieve an existing quote or need support with a telematics query, you can call us on 0333 043 1220 or chat to us via webchat.

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm
Bank Holidays: 10am to 4pm

For all other contact numbers click here.

How do I cancel my car insurance policy?
If you'd like to discuss cancelling your policy, please call us on 0333 043 2085.

Our opening hours are:

Mon - Fri: 8am to 8pm
Sat: 9am to 5pm
Sun: 10am to 2pm
Bank holidays: 10am to 4pm

Cancelling your direct debit instruction won't automatically cancel your policy and you may incur additional charges.

Details of our fees are here.

How much do you charge if I cancel my policy?
Details of our fees are here.