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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Gold ribbon: first place

Car insurance

Ranked 6th of 52 providers reviewed.

Customer happiness 67.49%
Customer trust 59.42%
Complaints performance 76.49%
Transparency rating 60.42%
Fairer Finance score
Reviewed Autumn 2020
66%

Car insurance

1st Central

Private Car

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £95
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i £1,000
Repairs guarantee (years) i 5 years

1st Central

Private Car Premier

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £95
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i £1,000
Repairs guarantee (years) i 5 years

1st Central

Private Car Plus

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £95
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i £1,000
Repairs guarantee (years) i 5 years

1st Central

Private Car Value

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £95
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i £0
Repairs guarantee (years) i 5 years