1st Central Underwriting

Gibraltar-based 1st Central Underwriting, formerly known as Skyfire Insurance, is authorised to underwrite insurance in the UK. Privately owned by 1st Central Group, it specialises in providing competitive prices for several Defaqto-rated insurance products. These are sold by First Central Insurance Management Ltd, better known in the market as 1st Central.

Precision, expertise, and trust

Formed and incorporated in Gibraltar on 6th August 2007, 1st Central Underwriting plays a prominent role in the Group’s success through evaluating the risk and profitability of private insurance for UK-based consumers, writing the policy premiums and establishing the right base underwriting price. 

In April 2024, Skyfire Insurance changed its name to First Central Underwriting Limited (trading as 1st Central Underwriting).

View Solvency & Financial Condition Reports


Competitive pricing and market leadership

1st Central Underwriting’s sophisticated underwriting model ensures competitive pricing, making 1st Central a consistent top-five new business seller on UK price comparison websites.

Data-driven underwriting

Our experienced Gibraltar-based team leverages real-time pricing, data-driven risk selection, and anti-fraud capabilities, setting us apart in the industry.

Cutting-edge data for smarter risk assessment

We use state-of-the-art data sources to assess risk at a granular level, enabling competitive private insurance premiums.

Join the team.

Fancy joining an award-winning team? If you're looking for a career in a fast-paced environment with an award-winning employer,  check out the latest opportunities on our Careers site. 

We won ‘Best Large Insurance Employer’ at the Insurance Post’s 2024 British Insurance Awards.

Careers at 1st Central

Regulated and covered by

We are licensed by the Gibraltar Financial Services Commission, products are distributed under the terms of a service agreement with First Central Insurance Management Limited, trading as 1st Central, a UK Financial Conduct Authority (FCA) regulated insurance intermediary.

First Central Underwriting Limited is a member of the UK's Financial Services Compensation Scheme.


Memberships

First Central Underwriting Limited is a member of the Motor Insurance Bureau, Financial Ombudsman Service and Association of British Insurers.


Contact & company information

  • Financial report downloads

    Access and view our Solvency and Financial Condition Reports
    Reports

  • Company headquarters

    5/5 Crutchett's Ramp, Gibraltar, GX11 1AA
    View on Google Maps

  • Contact us

    If you're a 1st Central customer, please call: 0333 043 2085, or go to 1st Central Insurance for more details
    Contact Information

First Central Underwriting Limited is authorised by the Gibraltar Financial Services Commission and is registered in Gibraltar (number: 99263) at 5/5 Crutchett’s Ramp, Gibraltar, GX11 1AA. It is subject to regulation by the Financial Conduct Authority and to limited regulation by the Prudential Regulation Authority (firm reference number: 489450).