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Co-op Insurance: Home insurance reviews

Name: Home insurance
Rating: 2.42 (27 reviews)

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2.42

Based on 26 reviews, last reviewed 14th Apr 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

19%

39%

3 star

38%

Latest highest rating:

4

I have had good communications from the Co-Op since... I have had good communications from the Co-Op since taking out my home insurance with them Reviewed on: 22nd April 2025

Latest lowest rating:

1

Zurich- the company that never pays out I made a claim on my travel insurance with Zurich after having to cancel my holiday when diagnosed with a serious illness. Zurich refused to pay out w... Read more Reviewed on: 14th April 2026

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About this product

Co-op insurance has standalone buildings and contents policies or a combined home insurance policy.

Co-op members get an exclusive discount on their premiums. Your discount is added if you’re matched with Co-ops membership database during the quote process. You won’t get a discount for any add ons that you buy.

Co-op home 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 Home insurance reviews (27)

Home insurance

Have been with co op home insurance for many years now. Always good value for money and communication is very good. Reviewed on: 16th April 2026

Zurich- the company that never pays out

I made a claim on my travel insurance with Zurich after having to cancel my holiday when diagnosed with a serious illness. Zurich refused to pay out when it was clearly covered. They always never pay out and are under investigation for failing to do so. Reviewed on: 14th April 2026

They don’t pay out

They refused to pay out on Travel insurance when I had to cancel a holiday due to serious illness when it was covered by the policy. They never pay out. Reviewed on: 11th April 2026

CO OP Insurance Bad treatment- rip off costs

Change to a much cheaper Car Insurance that does not treat you like trash to make money on. We havebeen with the COOP insurance 24 years , only claim minor claim 9 years ago. They changed their system from automatic renewal to having to renew. We didn’t read the 15 page quote fully , who does , so we didn’t know. We phoned a day after the deadline and all they would then offer is an inflated price £650 (Instead of £350 that we have now got else where) AND it HAD to be paid upfront not monthly. We were now not insured so couldn't drive the car. When we complained they would not budge , we were a day late , asked to escalate it- they said it can take 3 days. Next level wouldn’t budge said it would take up to 5 days for customer services to come back but it would be a waste of time as they wouldn’t do anything. So we had no choice and got a quote and paid for it on Line to be insured that day at £300 cheaper on monthly payments we could afford. The CO OP ceased being an insurance company in 2001 and is just an overly expensive , rip off sales team. They used to provide a good service at a reasonable cost. This is no longer so. Me and my wife are getting on now the car is vital. My wife was not at all well but as the insured name had to deal with all the unpleasant calls which was very upsetting for her. She wasn’t keen on me writing this because she doesn’t like the public conflict. These are the people that the COOP take advantage off. We have seen so much of National Institutions in this country,like the CO OP,that were founded on helping people with lower incomes ; become just money grabbers and exploiters. SO STEER CLEAR OF CO OP INSURANCE. GET ANOTHER QUOTE. YOU WONT GET A BETTER SERVICE NOW. YOU WILL SAVE ALOT OF MONEY AND UPSET Reviewed on: 21st October 2025

I have had good communications from the Co-Op since...

I have had good communications from the Co-Op since taking out my home insurance with them Reviewed on: 22nd April 2025

Claim handlers terrible..Won’t register complaint

Firstly before you read below the most worrying and disgraceful behaviour is that the co op home insurance company aren’t responding to my wish to make a complaint.Which legally they have to which is why I having to go to the ombudsman. Background I rang co op home insurance a few weeks ago about Nov 24 about an automatic home insurance renewal I was unaware about. We have been covered by another company for the previous year and have renewed again with them in September 24. The co op call handler cancelled the automatic renewal and advised me to email proof of the cover I had taken out with the other insurance companies for consideration of repayment. I sent clear proof of the cover I had with them.Note they asked me to do this. I told them I couldn’t access the coop on line portal to see what had happened and what we had ‘agreed too?’ Coop Call handler said there were known problems with customers getting/keeping access to the portal! Any new customers should be wise to this as well as all the other problems and hoops I have been asked to jump through and that’s been growing. Since providing the proof I have had a string of extra request for evidence. Starting with they wanted PDF documents and requesting ‘schedules’ of the insurance. In effect they want everything provided that they would send out of it was their own insurance. But I probably haven’t got everything laid out with my current insurance company exactly the same way as the CoOp. I asked them to send me proof of what insurance schedules documents I had apparently taken with them as much to help me understand what I need to get from my current insurance company, but they aren’t responding now. Nor will they respond to my request I have made twice now to make a complaint over the last fortnight. Really bad customer service and is a massive red flag along with the other problems I am encountering. Just look at the other negative comments about their current claim handlers. This is my experience. Reviewed on: 23rd December 2024

Very helpful and friendly

My renewal was due and the renewal quote was higher than previous. I rang the helpline and after chatting about my financial situation the insurance was offered at the same price as previously. Very understanding customer service! Reviewed on: 11th September 2024

Cheapest home contents insurance available

They're very cheap about the cheapest I could find for home contents insurance Reviewed on: 26th August 2024

2 CLAIMS

One claim. One claim rejected as damage caused by neighbour's builder using off-road vehicle. Small print!! I had legal cover but company dealing with me wanted me to do all the work despite the fact that I sent them all relevant documents, photos, etc. Then they said I didn't have more than a 1% chance of winning the case. No approach was made to negotiate with owner of property or builder who did damage. Cost of my replacing shed is estimated to be £1,000. TOO MUCH SMALL PRINT!!! Then I had damage to carpets. This claim was accepted but carpet layers damaged new painted hallway, banisters, etc. So now I have to find a painter and another convenient time for work to be done. Premium has increased by huge amount. Is insurance worth it! Reviewed on: 24th August 2024

Great customer service

Great phone experience, can speak to a real person onshore who knows what they are talking about Reviewed on: 23rd August 2024

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