1st Insurance review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

1st Insurance suits adults and seniors buying a single market travel policy, with premiums from €139 and an excess starting at €0. The trade-off is a narrow product: travel cover only, no monthly payments, and one legal entity listed in Seychelles.

Key facts

Best for
Adults and seniors who want a single trip policy priced in euros and would rather not pay an excess.
Premium from
€139 (Source, checked September 26, 2026)
Insurance types
Travel (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
No (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Age range
18 and over (Source, checked September 26, 2026)
Legal entity
1st Insurance (Seychelles) Limited (Source, checked September 26, 2026)
Headquarters
Seychelles (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Official website
fsaseychelles.sc

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Premium from
€139 (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Monthly payments
No (Source, checked September 26, 2026)
Legal entity
1st Insurance (Seychelles) Limited (Source, checked September 26, 2026)
Headquarters
Seychelles (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Premiums start at €139 with an excess from €0, so nothing is deducted from a claim in the cheapest tier
  • An insurer rather than a broker or comparison site, listed as 1st Insurance (Seychelles) Limited
  • Reach covers email, phone and help centre, so phone, email and a help centre are all open to members
  • Written for adults from 18 and over, with a dedicated section for seniors

Cons

  • Cover runs to travel alone, and no other line appears among its insurance types (travel)
  • Premiums sit well above the site median of €8.37
1st Insurance

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Adults from 18 and over planning a single trip who can pay the premium up front
  • Seniors, who have a dedicated section on the site
  • Travellers comfortable holding a policy from a Seychelles insurer

Who should look elsewhere

  • Anyone wanting monthly payments, since that option is off
  • Travellers who need home, auto or health cover in the same place
  • Shoppers after the lowest starting premiums, where the site median is €8.37

How your money is protected

1st Insurance is an insurer rather than a broker, so the risk sits with the company rather than a middleman. The contracting party is 1st Insurance (Seychelles) Limited, registered in Seychelles, and the entity is supervised in Seychelles by the Financial Services Authority Seychelles. Members are covered by that same insurer for the trip they buy, and claims run through the support channels the member already has access to.

How 1st Insurance compares

Where 1st Insurance is available

Available
Seychelles
Licence in Seychelles
Financial Services Authority Seychelles, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a policy from 1st Insurance cost?+

Premiums start at €139, which is well above the site median starting premium of €8.37. The brand ranks 225 out of 252 brands on starting premium, so a single trip here costs more than a typical budget policy.

Is there an excess to pay on a claim?+

The excess starts at €0, so in the cheapest tier there is nothing taken off a claim before it is paid. Plans further up the range may carry a higher excess, so the tier you pick decides what you keep back.

Who regulates 1st Insurance?+

The contracting company is 1st Insurance (Seychelles) Limited, based in Seychelles, and it is supervised there by the Financial Services Authority Seychelles. It is an insurer, meaning it carries the risk on the policy itself rather than passing it to another carrier.

Can I pay the premium monthly?+

Monthly payments are not offered on this membership. The premium is agreed when you take the policy and settled in one payment, so anyone who prefers spreading the cost should look elsewhere.

What kind of cover does 1st Insurance sell?+

Travel insurance is the only line among its insurance types (travel), aimed at adults from 18 and over. If you also need home, motor or health cover, you would need a separate provider for it, and this brand does not price those lines.

Is it aimed at older travellers?+

Yes. There is a dedicated section for seniors on the site, and the membership terms apply from 18 and over. The reach also includes phone and email support through email, phone and help centre, which helps if you would rather not manage a claim online.

How do I reach the company if something goes wrong?+

Support runs on email, phone and help centre, so a member can call, email or use the help centre. Phone is the channel most of the brands on the site offer, so this reach is in line with the rest of the market rather than unusual.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

1st Insurance

1st Insurance

Adults and seniors who want a single trip policy priced in euros and would rather not pay an excess.

9.0/10See alternatives

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