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Co-op Insurance: Home insurance reviews

Name: Home insurance
Rating: 3.13 (24 reviews)

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2.68

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

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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.

Co-op Insurance Home insurance reviews (24)

Review of the Co-op Insurance, Home insurance:

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

Useful insurance with helpful add ons

I always use Coop buildings and contents insurance. It seems competitive as long as you create a new policy each year (frustrating but common issue) rather than the auto renewal quote. The choice of add one is v helpful and the adjustable excess amounts. I’m especially glad of the bicycles cover with all risks away from Home option. Essential these days and very helpful when I had a claim once. Reviewed on: 30th August 2023

Competitive home insurance

If you need combined building and contents insurance with cycles included under all risks away from home this is a useful and competitive product. There are various add ons and introductory offers that can include extra legal cover. The downside is that each year you need to reapply for brand new insurance to get the best price. Reviewed on: 22nd August 2023

Great insurance

Good responsive service and very good communication Reviewed on: 22nd August 2023

Reliable insurance for building and contents

I’ve used co-op insurance for decades and am happy with the product and service. It covers what I need including cycles. I’ve rarely had to to claim but when I did it was sorted. Only quibble is the need to get a fresh quote each year to avoid price rising too far. Reviewed on: 8th February 2023

Penalising Loyal Customers

My house buildings & contents renewal came through today. The premium is increasing from £250 to £337 pa, that’s 35%! How can they possibly justify this? No claims, no change in circumstances. This is nothing but persecution of loyal customers. Needless to say I’ll be shopping around on Monday. I bet if I was a new customer….. maybe a case for involving the Ombudsman. Reviewed on: 6th February 2023

Terrible company stay away

This is a terrible company its taken nearly 3 yrs and still not complete. They owed me thousands of pounds for hotel money that took ages to get back that nearly bankrupted me . The works they did have been disgusting and I have had an independent surveyor in who gave a bad report and recommended that the work be redone and they have ignored it so I'm now in the process of complaining to the Ombudsman and taking them to court for the costs of redoing the works up to standard and finishing the half completed works. If I could give minus stars I would. Reviewed on: 10th March 2021

There when you need them

The Co-op were fantastic when a flood trashed part of my flat. They visited promptly and arranged payment quickly so that I was able to replace my damaged belongings and redecorate. Reviewed on: 6th July 2019

Straightforward and reasonably priced.

I have happily never needed to make a claim but I have been with the Co-operative Insurance for a few years as I found the cost to be really reasonable for the cover it provides, Also I felt that there were a greater number of coverage options than other companies offer and they were clearly explained. Reviewed on: 22nd September 2018

Disgraceful - Beware

Terrible Service - I worry for Elderly or Vulnerable Policyholders. It has been over 5 months of terrible communication, no service and lack of action on my home insurance claim which has now led me to complain directly to the FOS & FCA. I have had my kitchen out of use for the best part of 4 months and have been offered a pathetic and insulting amount of compensation. I work in the insurance industry and I will be passing on full details of the service to all of my colleagues, peers and clients and would never consider this company as an option moving forward. I am disgusted in the way they work and I would worry if any of your elderly relatives had policies with them. Reviewed on: 22nd August 2018

reliable company

I have been with the co-op since 1985 and never had any issues ,I get a renewal every year with a breakdown of cover ,fortunately I have never had to claim Reviewed on: 30th September 2017

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