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.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Car insurance
18 products reviewed
Electric Car Insurance
9 products reviewed
- Core Premier
- Extra + Premier
- Extra + Breakdown
- Core + Breakdown
- Core
- Extra + Legal
- Core + Legal
- Extra
- Value
1st Central
Core Premier
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Extra + Premier
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£125.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Extra + Breakdown
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£125.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Core + Breakdown
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Core
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Extra + Legal
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£125.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Core + Legal
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Extra
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£125.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
1st Central
Value
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
Windscreen repair not covered
|
| Windscreen replacement excess |
Windscreen replace not covered
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£0.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Telematics Car Insurance
1 product reviewed
1st Central
Connect
| Feature | Value |
|---|---|
| Cover limit for lost keys |
£1,500.00
|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for Legal Liability Cover for property damage |
£20,000,000.00
|
| Underwriter |
First Central Underwriting Limited
|
| Cover limit for stolen keys |
£1,500.00
|
| Storage after accident | Yes |
| Cover for replacing original audio/visual equipment |
Unlimited
|
| New car replacement | Yes |
| Legal cover for manslaughter defence |
Unlimited
|
| Vermin & insects | Yes |
| Misfuelling | No |
| Cancellation fee (within 14 days, box not installed) |
£50.00
|
| 24hr helpline available | Yes |
| Self-installed or engineer-installed box? |
Self install
|
| Is device removal mandatory at the end of the contract? | Yes |
| Is there an excessive speeding restriction? | Yes |
| Can your insurance be cancelled due to a poor driving score? | Yes |
| Can premiums increase due to driving score? |
On renewal
|
| Curfew | No |
| Digital capability | Yes |
| Are children's car seats covered? | Yes |
| Cover limit for personal belongings inside car |
£250.00
|
| Cancellation fee (within 14 days) box installed |
£50.00
|
| Speed restrictions scenario |
Fail
|
Third Party, Fire and Theft Car Insurance
8 products reviewed
- Extra Third Party Fire & Theft Car Insurance
- Extra + Breakdown Third Party Fire & Theft Car Insurance
- Core + Breakdown Third Party Fire & Theft Car Insurance
- Extra + Legal Third Party Fire & Theft Car Insurance
- Core + Legal Third Party Fire & Theft Car Insurance
- Core Third Party Fire & Theft Car Insurance
- Extra Premier Third Party Fire & Theft Car Insurance
- Core Premier Third Party Fire & Theft Car Insurance
1st Central
Extra Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Extra + Breakdown Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Core + Breakdown Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Extra + Legal Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Core + Legal Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Core Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Extra Premier Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
1st Central
Core Premier Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | No |
Courtesy Car (Add-on)
1 product reviewed
1st Central
Hire Car Cover
Home emergency cover
1 product reviewed
Boiler Breakdown Cover
1 product reviewed
1st Central
Home Emergency
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
N/A
|
| No claims period (Boiler) |
28
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
28 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£500.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
N/A
|
| Underwriter |
Astrenska Insurance Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
28
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£500.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£2.00
|
| Primary flue | Yes |
| Boiler controls | Yes |
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-02-20
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
7 products reviewed
Buildings insurance
3 products reviewed
1st Central
Premier
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£450.00
|
| Matching sets (Buildings) |
50% of the cost of replacing the undamaged parts
|
| Frozen pipes | Yes |
| Trace and access |
£7,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
1st Central
Standard
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£450.00
|
| Matching sets (Buildings) |
50% of the cost of replacing the undamaged parts
|
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
1st Central
Essentials
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£450.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£2,500.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
3 products reviewed
1st Central
Premier
| Feature | Value |
|---|---|
| Matching sets (contents) |
50% of the cost of replacing the undamaged parts
|
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£750.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£450.00
|
1st Central
Standard
| Feature | Value |
|---|---|
| Matching sets (contents) |
50% of the cost of replacing the undamaged parts
|
| Theft from outbuildings |
£3,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£450.00
|
1st Central
Essentials
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£0.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£250.00
|
| Property owner liability |
£1,000,000.00
|
| Escape of water excess (minimum) |
£450.00
|
Home Legal Cover
1 product reviewed
1st Central
Home Legal Protection Cover
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£100,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£120.00
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
N/A
|
Motor Excess Cover
4 products reviewed
Personal Motor Excess Insurance
4 products reviewed
1st Central
Excess Protect £1000
| Feature | Value |
|---|---|
| Annual cover limit |
£1,000.00
|
| Claim limit |
Unlimited
|
| Cover limit per claim |
£1,000.00
|
| Personal belongings cover | No |
| Waiting period (if taken out at the same time as a car insurance policy) |
0 days
|
1st Central
Excess Protect £750
| Feature | Value |
|---|---|
| Annual cover limit |
£750.00
|
| Claim limit |
Unlimited
|
| Cover limit per claim |
£750.00
|
| Personal belongings cover | No |
| Waiting period (if taken out at the same time as a car insurance policy) |
0 days
|
1st Central
Excess Protect £300
| Feature | Value |
|---|---|
| Annual cover limit |
£300.00
|
| Claim limit |
Unlimited
|
| Cover limit per claim |
£300.00
|
| Personal belongings cover | No |
| Waiting period (if taken out at the same time as a car insurance policy) |
0 days
|
1st Central
Excess Protect £500
| Feature | Value |
|---|---|
| Annual cover limit |
£500.00
|
| Claim limit |
Unlimited
|
| Cover limit per claim |
£500.00
|
| Personal belongings cover | No |
| Waiting period (if taken out at the same time as a car insurance policy) |
0 days
|
Motor Key Cover
1 product reviewed
1st Central
Key Assist
| Feature | Value |
|---|---|
| Cover limit for broken keys (or keys broken inside a lock) |
£100.00
|
| Annual policy limit |
£1,500.00
|
| Days before you can make a claim |
2 days
|
| Lost key waiting period |
2 days
|
| Onward transport cover |
£300.00
|
| Additional Keys covered | Yes |
| Cover if duplicate keys are easily available |
Only for replacement key
|
Motor Legal Cover
1 product reviewed
1st Central
Motor Legal Expenses
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£100,000.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£0.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Personal Accident
1 product reviewed
1st Central
Personal Accident Cover
| Feature | Value |
|---|---|
| Number of passengers covered |
Unlimited
|
| Death |
£60,000.00
|
| Permanent total disablement |
£60,000.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Car insurance
Ranked 33rd of 49 providers reviewed
| Customer happiness score | 55.53% |
|---|---|
| Customer trust score | 49.01% |
| Complaints performance | 62.37% |
| Transparency rating | 75.69% |
|
Fairer Finance Score Reviewed Autumn 2026 |
60.65% |