1st Central car insurance

1st Central provides two levels of car insurance on all of its car insurance policies. These are:

There are four different types of car insurance offered by 1st Central. With comprehensive cover highlights include: 

1st Central does not currently offer telematics or black box insurance, which sees a GPS-enabled device installed so the insurer can monitor and reward good driving.

1st Central  doesn’t provide short-term or temporary car insurance, which is handy for people who don’t have access to a car if their vehicle is in a garage for repairs or they don’t normally drive but need a car for a brief period.

1st Central doesn’t offer a multi-car policy, but it will gift policyholders £50 for insuring a second car. 

Taking out a multi-car insurance policy can help reduce your insurance costs: 

1st Central provides a range of car insurance benefits as standard with comprehensive cover, some features are also available with lower levels of cover, but it is best to check the policy. These include the items listed below.

Personal accident cover of up to £5,000 is available if the policyholder is killed, suffers permanent loss of sight, or the total loss of one or more limbs as a result of a collision involving their car.

In-car entertainment is covered to a limit of £1,000.

Up to £250 cover for loss or damage to personal belongings, caused by accident, fire or theft.

The insurer will replace or repair windscreens and windows, including scratching of paintwork caused by broken glass. The No Claims Bonus status would not be affected by this type of claim.

If the insured’s car is involved in an incident, including fire and theft 1st Central will also cover the cost of replacing children’s car seats and booster seats up to £250 per seat, even if there is no apparent damage.

1st Central will cover the policyholder if their car is hit by an uninsured driver, providing they are not at fault. In this case, the insured would not lose their No Claims Bonus.

Up to £1,500 of cover is provided to replace lost, damaged or stolen car keys and locks.

Policyholders have access to a courtesy car if they are content to use the insurer’s approved garage.

Aside from the standard elements of cover, drivers can boost their levels of protection by purchasing a range of extras offered by 1st Central.

While up to £5,000 of personal cover is available as standard, policyholders can obtain up to £60,000 per person to provide a payment in the event of a serious or fatal accident.

Up to £100,000 of protection is optional to help recover uninsured losses and costs, such as solicitor’s costs, loss of earnings, and transport expenses while the car is out of action.

A replacement vehicle can be provided for up to 28 days in the case of a write-off or theft.

Car insurance excesses are one way to keep the cost of annual cover down, but if the excess is high protecting this could be worthwhile as it would ensure you get the full value of a claim back after an incident.