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  • FIRST POST
    ellissa
    anyone got 1st central car insurance?
    • #1
    • 5th May 09, 9:06 PM
    anyone got 1st central car insurance? 5th May 09 at 9:06 PM
    Official MSE Insert:

    If you've arrived from Google, our Car Insurance guide may be helpful.

    Back to the original post...

    Hi all

    Just a warning really...

    ..please be aware that we've just been advised 1st central car insurance policies do not give drivers 3rd party cover on other cars even if they have fully comp policies and are over 25.

    As far as I'm aware this is standard on most policies but we nearly got caught out when we called them back to double check the policy we'd just purchased. You can't pay extra fo it either!

    Hope nobody gets caught out! We've just cancelled within the 14 day cooling off period - just hope they promptly refund the premium that we paid in full! Fingers crossed!
    Ells
    Last edited by Former MSE Zorica; 04-02-2014 at 6:02 PM.
Page 2
    • Mechelle1
    • By Mechelle1 21st Oct 09, 12:01 AM
    • 6 Posts
    • 0 Thanks
    Mechelle1
    1st Central nightmare! HELP ME HELP ME HELP ME
    Forgive me firstly if I get babbling on this.. but they are making me mad

    I took out insurance with 1st Central on 17th September and paid for my policy in advance. However I then sold my car on 26th September, so I called the 0845 telephone number on Saturday 26th oh let me see about 7 or 8 times and was holding on average about 18 minutes - so I called again on Monday 28th and was holding on one call for 32 minutes! Not a single person did I speak with....

    So I sent an email on Monday 28th and again on Tuesday 29th and another on Wednesday 30th and one more on Thurday 1st October before I got a single response, which by the way was requesting confirmation of my NCB! :confused:

    So I sent another email on Friday 2nd October as this is their "..preferred method of communication.." and I called their renewals line (which by the way is an 0800 number) and held until I spoke to an actual person. I was asked to send back the insurance certificate which I did on Saturday 3rd October.

    9th October I receive an email "..I am sorry to hear that you no longer wish to continue your Insurance with 1st Central. Has your enquiry been dealt with yet? If you still wish to cancel the policy your Certificate of Motor Insurance should be returned to us immediately.." Frustrated I replied that they would have received the insurance certificate by now and I want my refund immediately.

    15th October I chased 1st Central for my refund and received an email later that day with a final reminder for confirmation of my NCB or they "..will have no alternative other than to remove the Policy No Claims Bonus discount and proceed to debit your account with the additional premium.." getting really annoyed now I replied and re-iterated that this policy was to be cancelled from Saturday 26th September, the certificate has been returned and I want my money back..

    19th October - I received not one but TWO separate emails "..We are sorry to hear you no longer wish to continue your Insurance with 1st Central. Your Certificate of Motor Insurance should be returned to us immediately for cancellation.." Well done 1st Central for providing great customer service. Your staff should be rewarded with P45's.

    I still have no refund ARGHHHHHHHHHHHHHHHHHHHHHHH

    DO NOT UNDER ANY CIRCUMSTANCES INSURE YOU CAR WITH THIS COMPANY COZ YOU JUST WONT GET ANY SERVICE IF YOU NEED TO CLAIM
    • dacouch
    • By dacouch 21st Oct 09, 12:15 AM
    • 20,758 Posts
    • 12,858 Thanks
    dacouch
    The 1st central unofficial rep on MSE Tom has been strangely silent since all the complaints started. He was last on MSE on the 16th October at 18.56hours (Must have been doing overtime).

    When there were not many complaints he was posting fairly reguarly and telling everyone how great they are.

    He seems even less likely to answer the posts on here now than his staff seem to like answering the phones...
  • Ragriffin1
    Hi,

    I would love some help or advice. I have a policy with 1st Central and have recently moved address. I have contacted them several times by email and have been subsequently ignored so i phoned them today. I was on hold for a long time then I finally spoke to a girl there who said the reason they hadn't confirmed it yet was because the address change was going to increase my premium by 1000!!! On top of the 1000 policy I already have in place. Obviously this is completely ridiculous, i wanted to speak to someone senior so the girl promised me her manager would call me back in 30 mins. There was no return phonecall, which I probably should have expected.

    What can I do about this? I've only moved a mile from my last address, my car is only worth 700 how can they justify this? I cant even get the issue sorted because they ignore my emails and phonecalls. I'm concerned my insurance cover is invalid because of their internal processes and complete lack of response.

    Has any one had a happy ending to such a stressful situation as this?
  • rosalee
    oh no... help help! i just signed up this afternoon - stupid of me before checking them out.. i just figured if they were on a comparison website they'd be ok.. the guy that signed me up over the phone was SO unprofessional.. he was yawning and babbling through the parts he was required to say, not answering my questions.. it left me feeling uneasy. i've now paid the ANNUAL amount!! i want to cancel immediately!!! will i get my money back????? what happens if i don't? who can i contact? please HELP??
  • The Rambler
    Hi all,

    Sorry Rosalee it looks like you and I were both caught out by this SCUM.

    I have been driving and using comprehensive insurance for 35 years now and on every policy I've ever had there was cover that allowed you to drive other people's cars with their permission on a third party basis

    I took out a so called "comprehensive" policy yesterday. When I got the docs, I was surprised to NOT see that you can drive other people's cars with their permission on a third party basis. I rang them and got what I can only call a GIT of the highest order, he was not interested in helping in any way, only to tell me that as I was cancelling the policy there would be a 30 charge despite the fact that it was still within the 7 day cooling off period.

    I made it clear that I had no intention of paying as the policy was unfit for purpose and was not a comprehensive policy as per custom and practice since Adam was a boy. Since then I have notified my credit card company to stop all charges that have been or may be made by these crooks. I've also reported the incident to the Office of Fair Trading through their Consumer Direct website at consumerdirect.gov.uk.

    I strongly recommend that you and any other poor sods who have gotten ripped off by this scum also report your experiences. Its only by putting pressure on the OFT that we will get rid of this scum from the industry and force the industry to clean up its act.

    COME ON MARTIN WE NEED YOUR SKILL HERE TO DRIVE SOME MUCH NEEDED CHANGE THROUGH.

    By the way, I have taken out a new policy with Swift Cover and there was no question about driving other cars on 3rd party cover. In fact the guy I spoke to was surprised that I asked the question.



    United we can drive the crooks out of business
    . Tarring and feathering this scum is too good for them.

    Message to Tom1stcentral. Get yourself a real job with an honest company if you have any self respect. It will be a cold day in hell before I or anyone I know gets their hands soiled by dealing with you and your crooked colleagues.
    • dacouch
    • By dacouch 5th Nov 09, 9:02 PM
    • 20,758 Posts
    • 12,858 Thanks
    dacouch
    Here is a post from 1st Central's unofficial representitive on MSE, you would have thought they would have thought they could have recruited and trained the staff so they can answer the phone by now, it was 5 months ago that he posted this...

    Tom1stCentral
    MoneySaving Newbie


    Join Date: May 2009
    Post Count: 5
    Thanked 0 Times in 0 Posts


    1st Central Insurance
    Hi - I'm Tom - Head of Business Development at First Central Insurance Services.

    I'd like to address some of the issues raised on this forum. I'd like to apologise to those customers who have been left waiting on the telephone - Our UK Service provider is currently in the process of recruiting and training more agents and as a result we are already seeing improvements in service.

    I can confirm that our service provider has never used 0870 numbers -First Central uses an 0845 for our Claims Centre and this should be charged at local rate depending on your provider. As a result of these posts we have also conducted some research into this and there are actually a number of 'big names' who use the more expensive 0870 and 0871 numbers.

    With regards to the Gibraltar posts - The insurer is based there, as is the insurance intermediary. I can confirm that the insurer is covered by the UK Financial Services Compensation Scheme and regulated by the Gibraltar Financial Services Commission, adhering to EU Law. In fact there are a number of large 'brand name' insurers who operate from Gibraltar.

    In addition, we are currently in the process of evaluating whether to include 'Driving Other Cars' as standard on policies.

    Please contact me on this forum if you need me to clarify anything.

    Kind regards,

    Tom

    Here are a post from me (Earlier in this thread) and the response from Tom about the fact they do not include Driving Other Cars and that if they don't offer it then it would be best to make this clear to potential customers (Such as The Rambler). Have a look at the date of the post which is 170 days ago, it seems getting things done at 1st central is slower than continental drift. How long would it take to have a meeting to agree to put a warning on their website about the driving other cars and then get the IT dept to change the website. Someone more sceptical than me might form the opinion they are deliberately not pointing it out.

    19-05-2009, 5:05 PM #3 dacouch
    Fantastically Fervent MoneySaving Super Fan


    Join Date: Jan 2009
    Post Count: 6,135
    Thanked 2,797 Times in 2,050 Posts



    Thanks for your post Tom, if you cannot offer the driving other cars it would be fairer to your customers and save you the hassle of people cancelling if you pointed this out at the point of sale. It also does not mention this in your FAQs

    dacouch View Public Profile Send a private message to dacouch Find More Posts by dacouch Find all thanked posts by dacouch
    20-05-2009, 10:28 AM #4 Tom1stCentral
    MoneySaving Newbie


    Join Date: May 2009
    Post Count: 5
    Thanked 0 Times in 0 Posts



    Hi dacouch - Thanks for your comments. We'll take these on board and make sure we include them as part of our upcoming Product Review.



    It should also be noted that Tom who was posting on MSE before the complaints started rolling in is being very quiet at the moment. However he is viewing the 1st Central threads frequently. The last time he looked was yesterday...

    View Profile: Tom1stCentral
    MoneySaving Newbie

    Tom1stCentral
    Last Activity: Yesterday 8:59 PM

    As I have mentioned before, in my experience, Insurers based in Gibralter tend to be at the cheap and cheerful end of the market
  • mickcoll
    Not all that bad
    Hi, i thought I'd better post here.

    I too recently signed up to 1st central after they gave me the best quote on comparethemarket.com. After reading this forum I got very scared and decided to call them and test the waters while I was still in my cooling off period. I had a reason to call anyway, stupidly I had missed a letter out of my name when filling out the form on compare the meerkat so i had to get that changed.

    My call was answered promptly and the person on the phone was very clear and professional, I could hear plenty of activity in the background which was reassuring.

    anyway... got my name changed (no charge) and had my new documents emailed out to me within minutes.

    also, only the customer service number is 0845. the claims, windscreen and renewals helplines are all now 0800.

    seems like a fine company to me. possibly some teething issues when this forum was first started.
    • Quentin
    • By Quentin 9th Nov 09, 2:26 PM
    • 40,482 Posts
    • 24,548 Thanks
    Quentin
    Read more unbiased views here:

    http://www.reviewcentre.com/reviews232123.html

    (The most recent reviews contain words like: Warning. Avoid. Dodgy. Horrified. Disgrace)
    • dacouch
    • By dacouch 9th Nov 09, 9:55 PM
    • 20,758 Posts
    • 12,858 Thanks
    dacouch
    mmm new member and posting praise for a company with bad reviews...

    You mentioned you changed your name with 1st Central, was your previous name Tom by any chance? Oh and how do you know their renewal telephone number is 0800?
  • saltcoats54
    hi. on reading this thread you've got me slightly worried.
    I had a crash at the weekend and reported it to them on sunday expecting them to then deal with the claim,but today I received an e-mail stating that we acknowledge that you don't want to claim for damage to your vehicle and that we will now close your file and carry on with third party claim(there was another car involved)my point is at no time did I state to the claims guy that i did not want my car repaired or replaced that's the reason you take out comprehensive insurance is it not.
    I've tried phoning all day and all I get is music. any advice welcome
    thanks
  • The Rambler
    My advice to anyone who has been ripped off by these thieves is to make a formal complaint to the Financial Ombudsman Service, they are on-line and the more of us that do the more likely they are to take some decisive action. It appears that the OFT can't deal with matters relating to finance or insurance.
    • dacouch
    • By dacouch 10th Nov 09, 11:47 PM
    • 20,758 Posts
    • 12,858 Thanks
    dacouch
    Tom1stcentral was on MSE again today at 12.10pm, his silence is deafening.

    Him not communicating on MSE now the complaints are rolling in would not inspire confidence in me. Come on Tom how about answering some of the posters on here (And answering your phones).

    Are you going to prove me right about Insurers that are registered in Gibralter?
  • nazife
    1st Central Car Insurance - Can you advice please?
    My car was stolen 3 weeks ago so I bought another car and wanted to transfer my insurance to the new car. The 1st Central said I had to start a new insurance as I lost all my 11 months premium (paid in advance)because my car is stolen.

    When I questioned this unfair policy they said this is stated in the policy wording. Can anyone tell me whether the following policy wording is clear enough for them to put my around 400 paid premium in their pocket?
    Wording: 9.7 Total Loss
    If your car is damaged beyond economical repair it will become the insurers property. All cover under policy will cease as soon as the car is declared a total loss. Any premium owing to the insurer will be deduced from the settlement amount paid to you.

    I had to pay new insurance for my new car because I had to drive it but I believe I should be able to transfer my insurance to the new car. Can you advice what to do to claim my premium - paid until Sept 2010 -for the stolen car back?

    Thanks

    Nazife
    • Quentin
    • By Quentin 14th Nov 09, 9:13 AM
    • 40,482 Posts
    • 24,548 Thanks
    Quentin
    That clause (that if the car is written off, then the policy ends) is seen in policies from other companies.

    You agreed to it when taking out the policy and you cannot now get any refund on it.
  • nazife
    Want to know whether 1st Central can legally put my premium in their pocket
    That clause (that if the car is written off, then the policy ends) is seen in policies from other companies.

    You agreed to it when taking out the policy and you cannot now get any refund on it.
    Originally posted by Quentin
    Hi Quentin,

    I agreed that policy would stop but didn't agree that I would loose all the advanced paid premium until Sept 2010. Everyone I talked from different insurances said this is not right.
    • Quentin
    • By Quentin 14th Nov 09, 1:26 PM
    • 40,482 Posts
    • 24,548 Thanks
    Quentin
    Sorry to say "everyone" you have talked to has mislead you. Your insurer is correct, and as previously posted, this condition does appear in other insurers' policies.

    The condition you agreed to actually says that if any of the premium is outstanding (ie. paid by instalments), then the outstanding premium would be deducted from the total loss settlement.
    • dacouch
    • By dacouch 14th Nov 09, 2:26 PM
    • 20,758 Posts
    • 12,858 Thanks
    dacouch
    As Quentin has advised, they are entitled to do this.

    This is a fairly unusual as although most Insurers will either deduct the remaining instalments from the claims payment or require you to carry on paying the instalments. The majority of Insurers will allow you to use the remaining portion of the cover to insure a replacement vehicle.

    Unfortunatelt the exclusion in your policy is valid and it tends to be used by the cheap and cheerful Insurers to save money
    • wacko911
    • By wacko911 14th Nov 09, 3:26 PM
    • 665 Posts
    • 293 Thanks
    wacko911
    I too have taken out insurance with this crowd after being cheapest on confused.

    Reading the reviews on here and as posted earlier > http://www.reviewcentre.com/reviews232123.html < I'm feeling rather stupid. I then looked up the previous two companies I had insurance with and they scored LOWER on the the review centre website, seriously take a look at some of the reviews for others, makes me feel better.

    Just hope I dont have an accident in the next 12 months and all should be grand, I did have a problem during the application process and phoned them and the call got answered pretty quick and the guy was friendly and down to earth. (then again maybe thier sales line is better than the claims one!).

    The lack of 3rd party cover is a real con, wouldn't even have known until I seen this thread by accident.

    Just hoping they dont screw me over my no claims bonus as the previous insurer still hasnt sent the proof yet and you only get 7 days!
  • nazife
    Do you know which insurance company is good and not too expensive?
    As Quentin has advised, they are entitled to do this.

    This is a fairly unusual as although most Insurers will either deduct the remaining instalments from the claims payment or require you to carry on paying the instalments. The majority of Insurers will allow you to use the remaining portion of the cover to insure a replacement vehicle.

    Unfortunatelt the exclusion in your policy is valid and it tends to be used by the cheap and cheerful Insurers to save money
    Originally posted by dacouch

    THANKS for the information. I insured my new car with them because I was in a hurry. I like to cancel and find a better insurance company. Do you know which insurance company is good and not too expensive?

    Thanks
  • nazife
    1st Central Car Insurance - Need advice on loosing my premium
    As Quentin has advised, they are entitled to do this.

    This is a fairly unusual as although most Insurers will either deduct the remaining instalments from the claims payment or require you to carry on paying the instalments. The majority of Insurers will allow you to use the remaining portion of the cover to insure a replacement vehicle.

    Unfortunatelt the exclusion in your policy is valid and it tends to be used by the cheap and cheerful Insurers to save money
    Originally posted by dacouch


    Thanks for giving me this information. What about the extras in my premium? I lost over 10 months basic premium + the extras that I paid for, i.e. hire car, legal expenses, persoanl accident plan, breakdown. Do I loose all of these as well?

    Would it help if I wrote 1st Central's genearl manager to get some compensation?

    Thanks
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