1st Central

1st Central Insurance specialises in car insurance.

It is part of the First Central Group, which was established in Guernsey in 2008, and provides financial services across insurance, property, and law. It has subsidiaries across Guernsey, Gibraltar and the UK.




1st Central
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Breakdown Cover

Ranked 17th of 31 providers reviewed.

Customer happiness score 54.57%
Customer trust score 57.53%
Complaints performance 63.57%
Transparency rating 65.48%
Fairer Finance score
Reviewed Autumn 2023
60%

Car insurance

Ranked 49th of 49 providers reviewed.

Customer happiness score 59.74%
Customer trust score 49.38%
Complaints performance 50.86%
Transparency rating 68.75%
Fairer Finance score
Reviewed Autumn 2023
57%

Car insurance

1st Central

Private Car

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £125.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

1st Central

Private Car Premier

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £125.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

1st Central

Private Car Legal

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £125.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

1st Central

Private Car Plus

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £125.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

1st Central

Private Car Value

2 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £0.00
Windscreen repair excess i Windscreen repair not covered
Windscreen replacement excess i Windscreen replace not covered
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Telematics Car Insurance

1st Central

Connect

4 stars
Cover limit for lost keys i £1,500.00
Cover limit for Legal Liability Cover for property damage £20,000,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i Self install
Is device removal mandatory at the end of the contract? i
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score? On renewal
Curfew i
Digital capability i
Cancellation fee (within 14 days) box installed i £75.00
Speed restrictions scenario i Fail
Cover for replacing original audio/visual equipment i £1,000.00
Cancellation fee (within 14 days, box not installed) i £75.00
24hr helpline available i
New car replacement i
Cover limit for stolen keys i £1,500.00
Legal cover for manslaughter defence i Unlimited
Are children's car seats covered?
Cover limit for personal belongings inside car £250.00
Underwriter Skyfire Insurance Company Ltd
Storage after accident i
Vermin & insects i
Misfuelling i

Motor Excess Cover

Personal Motor Excess Insurance

1st Central

Excess Protect £1000

2 stars
Annual cover limit i £1,000.00
Claim limit i Unlimited

1st Central

Excess Protect £750

2 stars
Annual cover limit i £750.00
Claim limit i Unlimited

1st Central

Excess Protect £300

1 stars
Annual cover limit i £300.00
Claim limit i Unlimited

1st Central

Excess Protect £500

1 stars
Annual cover limit i £500.00
Claim limit i Unlimited