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Co-op Insurance reviews

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Rated Poor 2.09/5

Co-op Insurance reviews

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Unverified business
Last reviewed within 14 days

Review summary

People rate this company as Poor based on 146 product reviews

Average score of 2.09/5
5 star
25%
4 star
11%
3 star
3%
2 star
1%
1 star
60%
Reviews for Co-op Insurance have trended negatively over the past 90 days

Latest positive rating

5/5

I was never disappointed, I'm always happy with serv...

I was never disappointed, I'm always happy with service them provided

{"display":"KAMIL ","full_name":"KAMIL ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Breakdown Cover
KAMIL 5th September 2025

Latest negative rating

1/5

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... 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 Read more Read less

{"display":"Richard B","full_name":"Richard B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Home insurance
Richard B 21st October 2025

About Co-op Insurance

Co-op Insurance offers a range of insurance products, from car insurance to home insurance and more! If you've got experience with this company then you can leave a Co-op insurance review today to help other consumers to find out more. Smart Money People is the place for Co-op insurance reviews. Together, we can help to increase trust and transparency in financial services.

Co-op Insurance at a glance

Reviews for Co-op Insurance

Showing 11 of 146 company reviews Last reviewed within 14 days

CO OP Insurance Bad treatment- rip off costs

Home insurance 21st October 2025

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... 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 Read more Read less

Rated Terrible 1/5
Read more product reviews

I was never disappointed, I'm always happy with serv...

Breakdown Cover 5th September 2025

I was never disappointed, I'm always happy with service them provided

Rated Excellent 5/5
Read more product reviews
  • 5/5

    Competitive and customer friendly

    We have found Co-Op Insurance excellent. They are competitively priced, and the online customer interface makes managing your details and insurance easy.

    {"display":"D Wilson","full_name":"D Wilson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    D Wilson 5th September 2025
  • 1/5

    Breakdown cover via bank account with RAC.

    Breakdown cover via bank account with RAC. Very poor service and have to wait till tomorrow now for home recovery and need car. RAC USELESS

  • 1/5

    Poor cover for elderly dogs, stay away

    we insured our 2 dogs with the coop just over 2 years ago, the digs at the time of moving to the coop were 13... we insured our 2 dogs with the coop just over 2 years ago, the digs at the time of moving to the coop were 13 and 10. We had to unfortunately have the older dog put down this week, due to becoming very ill quickly. Contacted CO Op the next day to discuss, to be told that due to her age , they was nothing covered. They have happily taken 000's of pounds in premiums with no intention. When asked why then insure an elderly dog, just was said it is in the wording. When cancelling the policy there intermated that really over the age of 7 the dogs is getting old, however would we like to continue cover for our other dog. Read more Read less

  • 5/5

    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 yourself... 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 yourself a few times. Granted, some things were obvious but, still added to the twists within the plot/storyline. Their struggles out in the bush when a Read more Read less

    {"display":"Dylan D","full_name":"Dylan D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Dylan D 13th May 2025
  • 1/5

    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 minutes policy... 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 minutes policy haven’t due yet!Never ever will buy any insurance with them!!! Read more Read less

  • 1/5

    Had trouble finding telephone number for co-op car i...

    Had trouble finding telephone number for co-op car insurance didn't know there was more than one company.Eventually got through to someone to say we wanted... Had trouble finding telephone number for co-op car insurance didn't know there was more than one company.Eventually got through to someone to say we wanted to change vehicle it's paid on a monthly installment.We was told it's going from £33 per month to over £100 a month and the annual renewal would be over £1000 having been with the company for over 10 years found it to be unbelievable as having already checked on compare web site and got quotes for about £360 so told the co-op we would cancel policy and was then told £50 cancellation fee not satisfied with charging astronomical price which we didn't go with then charged £50 for cancelling.New policy taken out with compare the market charges £10 for cancelling policy. Doesn't pay for loyalty with companies. Read more Read less

  • 4/5

    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

  • 1/5

    Scammers and charlatans.

    Scammers and charlatans. take two months to even look at a claim saying they’re ’very busy’ - turns out they work with some dodgy other... Scammers and charlatans. take two months to even look at a claim saying they’re ’very busy’ - turns out they work with some dodgy other company. Refused to pay out 2k because said was pre existing condition (I’d argue it wasn’t) and some BS about not covering illness or injury that can spread to or affect both sides of the body which is ludicrous (and hadn’t even happened in this case) and this from a supposed ‘lifetime’ policy. I also left an anonymous review elsewhere and they emailed me about it! GDPR breach much?! Call handlers couldn’t care less until you make a fuss then miraculously my case was looked at overnight (and denied). I don’t think that was a coincidence. Avoid at ALL costs Read more Read less

  • 1/5

    I got a bill from the vets for routine medical proce...

    I got a bill from the vets for routine medical procedures, blood tests etc. for my pet dog, the bill come to over £300. I... I got a bill from the vets for routine medical procedures, blood tests etc. for my pet dog, the bill come to over £300. I submitted a claim in October 2024 and despite numerous emails, Co op has not responded. I have cancelled my Direct Debit payments. DO NOT USE! They are scammers! Read more Read less

    {"display":"Michael S","full_name":"Michael S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pet Insurance
    Michael S 1st March 2025

    Products from Co-op Insurance

    Showing products offered by Co-op Insurance

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