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Co-op Insurance: Car Insurance reviews

Name: Car Insurance
Rating: 2.47 (73 reviews)

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2.18

Based on 73 reviews, last reviewed 4th Sep 2024

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

29%

58%

Latest highest rating:

5

Good Customer Service Good customer service, although portal a little difficult to navigate. Reviewed on: 4th September 2024

Latest lowest rating:

1

Just rang co-op car insurance to inform them that I... Just rang co-op car insurance to inform them that I now have points on my licence for speeding. Was appalled that I was immediately charged £25 admini... Read more Reviewed on: 21st February 2024

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About this product

Are you looking for a new car insurance provider? Here at Smart Money People, we collect Co-op car insurance reviews from genuine customers to give you insight into life as a Co-op policyholder. Make an informed decision about your next provider by checking out our reviews.

Co-op offers a variety of insurance policies, providing cover for home, life, business and, of course, motor. Find policies for cars, vans, electric vehicles and young drivers, with exclusive discounts for Co-op members. Co-op’s comprehensive level of cover boasts some additional features provided as standard: see how well Co-op customers rate their insurance policies by reading the Co-op car insurance reviews on Smart Money People.

Perhaps you value precaution with your car insurance policy, looking for breakdown cover and round-the-clock accident recovery? Or maybe you travel overseas with your vehicle and need your policy to extend to other countries across Europe? Co-op car insurance can offer these extras, but how well do its customers rate the policies? Check out our reviews today.

Have you had a Co-op car insurance policy? Whether good or bad, share your experience with others on Smart Money People so we can help people like you make better decisions. Did you use your Co-op membership to obtain a discount on the policy, and if so, was it a notable saving? Did you have to make a claim or have any other experience with the customer service team? Leave a Co-op car insurance review today.

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Co-op Insurance Car Insurance reviews (73)

Online insurance quote

I had purchsed car insurance online, it was easy an all my insurance documents were sent to my email an I could also access them online. They gave be a good deal. And I am very happy customer. Reviewed on: 27th December 2015

Not great, but not terrible

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 Reviewed on: 28th August 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 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 :) Reviewed on: 26th March 2015

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