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Co-op Insurance: Car insurance reviews

Name: Car insurance
Rating: 2.49 (77 reviews)

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2.33

Based on 77 reviews, last reviewed 13th May 2025

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

30%

58%

Latest highest rating:

5

I really enjoyed watching this one. I really enjoyed watching this one. The motives and the way they embellish the individual stories of all party's involved keeps you second guessing yo... Read more Reviewed on: 13th May 2025

Latest lowest rating:

1

Same postcode wrong house number cannot get the car... Same postcode wrong house number cannot get the car insurance!!!This is ridiculous!Some more do charged me handling fees £35 for cancellation the 5 mi... Read more Reviewed on: 6th May 2025

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About this product

Co-op car insurance is available with two cover options – third party, fire and theft or comprehensive.

Members get a discount on Co-op car insurance. The discount will only be applied if you’re matched with the membership database during the quote process. This discount is not available for any add-ons you select.

Co-op car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Co-op before, you can also leave a review and share your experience.

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Co-op Insurance Car insurance reviews (77)

Read the policy

Insured 3.0 SD V6 SE auto 2019 Discovery with co-op eco insurance, by amending my policy from previous Discovery. Policy emailed to me - referred to the new car ( same model description as above ) as 255bhp. I tried explaining to co-op that the car is 306bhp - no such thing as 255bhp. They said they couldn’t insure me on a 306 bhp - like talking to a brick. I gave up cancelled and got cheaper elsewhere. I’d have been driving uninsured on a non existent car according to the ‘advisor’ Appalling Reviewed on: 1st March 2019

Great product

Had a car hit ours and they paid out no questions asked. Reviewed on: 21st September 2018

A fairly good insurance but could give the extras free to loyal customers

I have been with co-op insurance for years and on the whole am fairly satisfied with them they are reasonably priced and deal with any issues quick and efficiently but I don’t like that after all these years they ask for extra money for all the extras such as breakdown etc for loyal customers this should be included as an incentive to stay with them but unfortunately they don’t think this way although I would recommend them to family and friends and have done but I think recommendations should also be rewarded. Reviewed on: 20th September 2018

A drunk driver wrote off my car, Co-op saved the day

A drunk driver wrote off my car (which was parked on the street). Co-op handled everything for me and paid me out before the other drivers insurance had time to do anything! They made a traumatic experience bearable. I will continue insuring with them Reviewed on: 14th June 2018

The day they tried to blag a blagger

After calling to pay my first month's policy renewal fee (a day early,) I can honestly say I've never been so blatantly lied to, misled, and misinformed in the space of 18 minutes and 34 seconds, since I was taken to see the "real" santa clause aged 4. Having first argued against paying the already eye watering, lip biting, 'why don't you just take my blood' late payment fee, (a day early), it appeared that the co-operative were going to co-operate after all, and allow me to continue with my life, safe in the knowledge I was a legal road user. They however, had other ideas. After a long, long, long wait on hold, the operator returned, (from what I can only assume was a crash course in scamming the customer), to inform me my policy was in the "irreversible" process of cancellation - apparently due to the direct debit being returned unpaid 10 days BEFORE the payment should have been taken. This, I argued, was not what my policy documents stated would happen. I was told ""the only thing I can do is get you another quote as it's just how things work", "it's company policy" (it isn't) meaning I would have to pay another deposit, plus a month's installment, equating to more than double the expected payment for this month. Ending the call feeling like life wasn't fair, and with a newly acquired, yet irrational hatred for humanity- I decided to sleep on it. Next morning I called back, and the story had changed. I was now being told the bank informed them the direct debit had been stopped by me, and that the operator I had spoken to the day before was claiming I wanted to end the agreement. BIG FAT LIE. Being the observational type, I began to spot a pattern of contradiction and back tracking. I requested a manager listen to the calls and call me back. In the meantime I called the bank to confirm I was dealing with a case of being mugged off. Guess what? That's right, the direct debit was still active-that was until it was cancelled by co-operative , while I was being told by staff in the very same office that according to the bank I had done it the week before. Then came the call back. I was offered the opportunity to pay over the phone and it would be sorted. The irreversible would be reversed, atoms would be split, mountains moved and oceans drained. The very fabric of time and space would be torn like tissue paper to make the impossible happen... if I went away quietly. I didn't. After a long phone call from a team manager who, coincidently, sounded exactly the same as the operator I spoke to earlier in the day but with a different name, I was offered a free weeks insurance, a 50 pound cheque, and an apology that came straight out of the "101 ways to go f*#k yourself" handbook, I decided to accept the offer, and get on with my considerably shortened, post-policy renewal life expectancy, providing i was emailed confirmation of our conversation and agreement as a means of cover note. He assured me he was a man of his word. I'm not sure which word he means, but it certainly isn't co-operative as I'm still waiting for it. A good way to ruin a reputable brand is to mug off your customers, these guys are in a league of their own. In the interest of fairness, I hadn't had a single issue with them the entire length of the policy. But in the interest of honesty, i believe it's a well rehearsed scam. At best, it's a few unprofessional, incompetent employees overseen by inadequate management. At worst, repeated and systemic manipulation and misleading of Customers for profit. Will keep you posted. Reviewed on: 18th March 2018

Would not renew policy after 40 years due to rear windows being tinted

Tried to renew my husband's policy after 40 years with the company. Because we had the rear windows tinted they would not renew. We could not even pay an extra premium. Reviewed on: 13th November 2017

Good ethical insurance provider

I can't fault the Co-op and the p[ackage and price they offer for car insurance. It's fairly comprehensive (!) and covers all my needs. I especially appreciate having exrensive breakdown cover included for a small additional fee. Reviewed on: 1st October 2017

Good customer service

I've been with co-operative for a number of years because they always come up with the best price for my car insurance and if they don't I give them a ring, have a chat with a friendly advisor and they lower the price for me. Can't ask for more than that. Reviewed on: 1st October 2017

Good policy

Got £50 in vouchers upon signing up, cover seems very good and good reviews from others Reviewed on: 30th September 2017

Good service and reasonable price

Not the best prices but whenever I call I got really good customer service. Polite and friendly staff Reviewed on: 13th September 2017

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