Write a review

Go to business site

Co-op Insurance: Home insurance reviews

Name: Home insurance
Rating: 3.13 (24 reviews)

View other Co-op Insurance products

2.55

Based on 24 reviews, last reviewed 21st Oct 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

21%

42%

3 star

33%

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

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... Read more Reviewed on: 21st October 2025

Read all reviews Write a review

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.

Review Co-op Insurance: Home insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

Co-op Insurance Home insurance reviews (24)

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

500% increase at renewal for oap's living in a small...

500% increase at renewal for oap's living in a small safe village...and no one could tell me why .I got the impression they are penalising older people because the think they have more money !! Reviewed on: 9th August 2024

I recently received my renewal notice from the co-op...

I recently received my renewal notice from the co-op from my home and contents insurance. It has increased by 303%. When I queried why it had increased to such an extent i was informed that they put all my details to a panel of insurers and that is the best price they could get. There was no explanation of why there was such a huge increase. We have not changed any details regarding our property or contents. Using a price comparison site we could find 25 offers and I was finally able to fix one at a reasonable rate of increase from the current year . I certainly couldn’t recommend the co-op for house and contents insurance . Reviewed on: 5th June 2024

New customer, no complaints so far

New customer, no complaints so far Reviewed on: 5th March 2024

Do you have a different Co-op Insurance product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Insurance
from Family Building Society 5.00 from 2 reviews
Home Insurance
from Diamond Insurance 4.10 from 3 reviews
Home insurance
from Homeprotect 2.93 from 47 reviews

Want to see more from Co-op Insurance?

Travel Insurance
from Co-op Insurance 5.00 from 3 reviews
Breakdown Cover
from Co-op Insurance 2.94 from 4 reviews
Car insurance
from Co-op Insurance 2.45 from 78 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub