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1st Insurance review

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

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Our verdict

1st Insurance suits adults and seniors buying a single annual travel policy, with the excess starting at €0 and no monthly payment option. Cover is limited to travel insurance, so the choice is narrow but the terms are simple to read.

Key facts

Best for
A single annual travel policy for adults and seniors, underwritten by the insurer itself.
Premium from
€139↗
Insurance types
Travel↗
Provider type
Insurer↗
Monthly payments
No↗
Excess from
€0↗
Age range
18 and over↗
Legal entity
1st Insurance (Seychelles) Limited↗
Headquarters
Seychelles↗
Support channels
Email, Phone, Help-centre↗
Audience
Seniors
Official website
fsaseychelles.sc

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Support runs on email, phone and help centre, so members reach the insurer by phone, email or the help centre.
  • Cover is underwritten by 1st Insurance (Seychelles) Limited, a regulated entity in SC under the Financial Services Authority Seychelles.
  • It is an insurer, so the cover and the claims sit with the same company.

Cons

  • The premium starts at €139, well above the €8.31 median across the site.
  • Cover is limited to travel insurance, so a household with other cover needs another provider.
1st Insurance

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults and seniors who want a single annual travel policy held with the insurer.
  • Travellers who prefer paying the premium in a single sum rather than spreading it.
  • Anyone who wants to reach a person quickly, since support runs on email, phone and help centre.

Who should look elsewhere

  • Price-led readers: bunq lists a starting figure of €0 and bunq Spain €0, both under €139.
  • Readers looking at life savings rather than travel cover: Linxea's listed starting figure is €25.

Who runs it

The policy is underwritten by 1st Insurance (Seychelles) Limited, based in Seychelles and listed among the regulated entities of the Financial Services Authority Seychelles. Support runs on email, phone and help centre, so members reach the underwriter by phone, email or the help centre rather than through an intermediary.

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 1st Insurance policy cost?+

Travel cover starts at €139, above the €8.31 median across the site and above the €29.72 upper quartile. That puts 1st Insurance in the expensive part of the market, and the excess is a separate cost on top of the premium.

Is there an excess to pay on a claim?+

The excess starts at €0, which means the insurer deducts nothing at the lower end of the range. Combined with a premium of €139, the total cost of a claim year is worth weighing before you buy.

Can the premium be paid monthly?+

Monthly payments: no, so the premium is paid in a single payment rather than in instalments. Budget for the full figure, which starts at €139, at the point of purchase and again at renewal.

Who regulates 1st Insurance?+

The policy is underwritten by 1st Insurance (Seychelles) Limited, based in Seychelles, and listed among the regulated entities of the Financial Services Authority Seychelles. The Seychelles regulator, not a UK one, is the body to check with on the insurer's standing.

Who is the policy written for?+

Membership opens from a minimum age, and seniors are a named group on the membership pages. Anyone can hold the policy once they are an adult, but the mix of seniors and adult travellers is who the product is written for.

What does the policy actually cover?+

The cover sits in travel insurance, so this is a travel policy rather than a general personal plan. Anyone wanting several kinds of cover will need a separate provider. The insurer writes this line itself, so the terms come from the same company rather than a bundle assembled by a broker.

How do members get help?+

Support runs on email, phone and help centre, so members can call, email or read the help centre. Live chat is not in that list, which suits people who would rather speak to a person than type into a widget.

Is 1st Insurance an insurer or a broker?+

It is an insurer, so the cover is underwritten by the company you join rather than passed to another provider. The legal name on the documents is 1st Insurance (Seychelles) Limited, and the Financial Services Authority Seychelles is the regulator for it.

Sources

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

1st Insurance

1st Insurance

A single annual travel policy for adults and seniors, underwritten by the insurer itself.

9.0/10See alternatives