Tell us about your insurance providers and you could win £1000!
Tell us about your insurance providers and you could win £1000! Vote in the Insurance Choice Awards
Vote in the Insurance Choice Awards

Co-op Insurance Reviews

Ratings based on 19 reviews Last review 3 weeks ago
2.89 / 5Good overall rating

Co-op Insurance offers a range of insurance products, from car insurance to home insurance and more! If you've got experience with this company then you can leave a Co-op insurance review today to help other consumers to find out more. Smart Money...

Read Full Description

Co-op Insurance offers a range of insurance products, from car insurance to home insurance and more! If you've got experience with this company then you can leave a Co-op insurance review today to help other consumers to find out more. Smart Money People is the place for Co-op insurance reviews. Together, we can help to increase trust and transparency in financial services.

5 5
4 3
3 3
2 1
1 7

Your Co-op Insurance Reviews (19)

Write a review
28th April 2017

Please dont touch this company your be sorry

I had policy for 11 years which i had 9 years no claims bonus the company stopped my insurance with out letting me know to con me so now restarted it but only give me 5 years no claims discount and they got proof of what i had and still say i cant...

Read more

I had policy for 11 years which i had 9 years no claims bonus the company stopped my insurance with out letting me know to con me so now restarted it but only give me 5 years no claims discount and they got proof of what i had and still say i cant have it they are defrauding the public please dont use this company read all the reviews

Write a review
27th February 2017

Let me down

I don't like any car insurance company if I'm being honest, we are with Diamond at the moment but have to change every year as everyone I've been with hike up their prices,, I will say though cooperative were good for offering a 3 year fixed price but...

Read more

I don't like any car insurance company if I'm being honest, we are with Diamond at the moment but have to change every year as everyone I've been with hike up their prices,, I will say though cooperative were good for offering a 3 year fixed price but then they let me down by cancelling my policy and trying to make me start all over again with an increased quote when one of my direct debits failed due to me changing bank accounts, I even phoned them up to pay it the day after

Write a review
17th December 2016

Very deceptive and dishonest car insurance company

After a long time on the phone with Coop complaints department, nothing was resolved. No apology even though they have now received all the proof info they required, they still would not reinstate my insurance....

Read more

After a long time on the phone with Coop complaints department, nothing was resolved. No apology even though they have now received all the proof info they required, they still would not reinstate my insurance.
What pathetic joke of a company would send out important letters non-recorded? Coop Insurance would! What apathetic car insurance company would not bother to phone you or email you to request something important even though they have your details on file? Coop would!!! Other insurers in the past have always emailed me, or phone me. Coop is a joke, I had to take out a brand new policy. Will be taking this up with the FSO to see what they have to say about this... Very disgusted with their service.

Write a review
11th December 2016

Dishonest car insurance company out to steal your money

I was insured for just a month before they sent out a letter saying my insurance was cancelled. When I called them up they claimed to have sent out a letter requesting further information which I never received. They have both my mobile number and...

Read more

I was insured for just a month before they sent out a letter saying my insurance was cancelled. When I called them up they claimed to have sent out a letter requesting further information which I never received. They have both my mobile number and email address on file which they never bothered to use but instead stole around 30% of my annual premium for that first month.
I would not recommend

Write a review
23rd November 2016

Bullshit

I did one year as a named driver....

Read more

I did one year as a named driver.

To make that very one year a REAL ncb i had to do further year under my own policy!

In the second year i was told i need to complete 2 years as my own policy.

In total 3 years on the second month before a renewal they ask for information i cant provide in the timeframe i therefore have be threatened to give my info by the 28th or have my policy cancelled. I only have one more payment to make!!!

My insurance went up for no reason when turning 25. If i am male of female shouldnt matter.

Write a review
25th September 2016

Home Contents and buildings combined

We took out cover with the Co-op after being sent an incentive to get £50 of food vouchers when taking out insurance. We gained the food vouchers and saved an additional £150 on the insurance premium. Everything was very straightforward and they were p...

Read more

We took out cover with the Co-op after being sent an incentive to get £50 of food vouchers when taking out insurance. We gained the food vouchers and saved an additional £150 on the insurance premium. Everything was very straightforward and they were pleasant to do business with.

Write a review
28th August 2016

okay until claim made

absolutely okay until you actually need them! the gentleman I initially spoke with was terrible and left me so worried after being rear ended by a car stolen by the insureds son, it's still not sorted out although after speaking with someone else I...

Read more

absolutely okay until you actually need them! the gentleman I initially spoke with was terrible and left me so worried after being rear ended by a car stolen by the insureds son, it's still not sorted out although after speaking with someone else I feel less worried.

Write a review
10th March 2016

CheekyCharges Campaigner

Im a new driver and expected to have a hefty first years insurance... I was really surprised on the comparrison sites co-op was right near the top as the cheapest for the year, as they are a well known brand i decided to go ahead and am really...

Read more

Im a new driver and expected to have a hefty first years insurance... I was really surprised on the comparrison sites co-op was right near the top as the cheapest for the year, as they are a well known brand i decided to go ahead and am really pleased. I even got a years free breakdown cover which save me even more money!

Write a review
28th August 2015

Not great, but not terrible

Their customer service team is good at what they do, what lets them down is...

Read more

Their customer service team is good at what they do, what lets them down is accounting.
Several times they took two amounts in a month and getting it refunded was a hassle, so am no longer insured through them. Though usually problems are easily fixed, Hold times on phone was another issues

Write a review
26th March 2015

Young Drivers Insurance is marvellous!

If you have an eager, young person who has just acquired a drivers license or in fact you are said person, but cannot seem to find a car insurance price which isn't under £2,000 per year? I was in the same predicament and was getting more and more ...

Read more

If you have an eager, young person who has just acquired a drivers license or in fact you are said person, but cannot seem to find a car insurance price which isn't under £2,000 per year? I was in the same predicament and was getting more and more deflated since I did not have that sort of cash, having to take into consideration road tax, MOTs, the car itself and all the other niggly bits that come with owning a car.

I found Co-operative Young Drivers insurance a little off putting at first, having a black box fitted to my car which knew my every movement and saw every cockup I made but that was soon washed away when I saw the price, yes I will admit it was still expensive (£1240 p/a, £400 deposit then the rest in 11 installments - around £70 p/m) but after a week of trying to find insurance in every place possible I was willing to stick with it, and the perks seemed rather impressive too, for example every 90 days based on your 'score' (mentioned below), you will be re-assessed to see if your driving has been excellent, good, standard, poor or bad, if you're in the good (all 5/5's) you'll get a discounted premium (after a year my insurance went from £1240 down to £460 and then my renewal came in at £220 - not too shabby if you ask me).

The aforementioned black box is a 'tracking device', not any NSA type spy gadgety thing but simply a telemetry collector (like in motor-racing where they track speed, cornering and all sorts). They use this to work out how well you have driven during the day. Say I drove to the local supermarket and back again and the whole journey took 20 minutes, during this time the box is tracking:

- My speed and matching it to the roads speed limit (on the online dashboard it will give me a calculation and score out of 5 on how well I have kept to the speed limit and provide hints and tips to improve).
- My Acceleration, braking and cornering, probably using the same device as in your mobile phone (a gyroscope) it measures how intense my braking and acceleration is at traffic lights and how well I corner, and if I do it too sharply. (As before it provides an online calculation and score out of 5 on my personal online dashboard with hints and tips on how to improve).
- My time of day (at dangerous times) checks what times I am travelling at, so if I keep travelling at night, my score will be lower because it is classed as 'a dangerous time'. This doesn't mean you'll lose your insurance, just basically means you're less likely to get a decrease in your premium because they're worried about that factor.

If you have all of them in the green (5/5 score) then when the first 90 days are up expect a nice juicy discount to bounce into your inbox, not only does this incentify good driving style and rewards you for it but it also gives you personal advice on how to get a higher score, giving charts on what days your driving wasn't quite up to scratch, speed maps and loads of other information, it can even give you reminders as to when your MOT is due!

All in all, this is a great service and something I would thoroughly recommend, one thing you may have to do, especially at first is to play around with the quoting system, changing some of your options (but NOT lying) can give a nice chunk off of the price. Also try adding parent(s) as additional drivers and stating that they're driving the car more than you are.

Happy driving :)