Co-op car insurance review

Can Co-op Insurance provide you with the car insurance you need? Read our guide to find out more.

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Our verdict

Co-op offers comprehensive and third party, fire and theft cover. Its comprehensive cover has a 5-star Defaqto rating, which is the highest level.

It offers car insurance policies for drivers aged 17–75 and younger drivers (aged 17–24) could save on their premiums with Co-op's young driver insurance. Since this policy involves having a black box fitted into your car to monitor your performance, it would only suit someone who is genuinely a safe driver. Otherwise your premiums could go up.

If you don't think Co-op car insurance is right for you, you can also compare other car insurance policies to find a better fit.
  • Specialist policies for young drivers
  • Black box policies available
  • 24-hour helpline
  • No third party only cover
  • No multi-car discounts available

Co-op Insurance offers comprehensive and third party, fire and theft car insurance policies. It also offers specialist cover for young drivers and electric cars, as well as van insurance.

Compare Co-op car insurance policies

Name Product Courtesy car cover New car replacement EU cover Personal accident cover Multi-car discount Link
Co-op comprehensive
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Co-op third party, fire and theft
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Who is Co-op Insurance?

The Co-op is well known for its supermarkets around the UK but what many don’t know is that it offers a wide range of other products as well.

The Co-op Group offers services in food retail, electrical retail, financial services, insurance services, legal services and funeral care.

Co-op Insurance is steeped in history. It was formed in 1867 to provide cover for co-operative societies and has grown into a multibillion-pound business.

Who underwrites Co-op Car Insurance?

Co-op Car Insurance is administered by Affinity Insurance Solutions Limited (AISL) and underwritten by a select panel of insurers.

What’s covered under my policy?

Product NameCo-op third party, fire and theftCo-op comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Personal belongings
Liabilities to third parties
Using the car abroad
Replacement locks

Optional extras

Co-op Insurance offers a range of optional extras:

  • Breakdown cover
  • Legal expenses cover
  • Enhanced courtesy car cover (not available in the Young driver policy)
  • Extended foreign use (not available in the Young driver policy)
  • What are Co-op’s different policies?

    Co-op Insurance has 5 different policy options:

    How do I make a claim?

    You can make a claim online or by calling the claims team on 0345 999 8888.

    What is my excess?

    An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. Details of your excess amounts will be displayed in your policy schedule.

    Sometimes more than one excess will apply and in this case, Co-op Insurance will add them together.

    There are 2 types of excess and these are:

    • Compulsory excess which is set by the insurer underwriting your policy. This is added to the voluntary excess you choose to give the total amount of excess you will pay if you make a claim.
    • Voluntary excess which is in addition to any compulsory excess. You can set this as low as you want to reduce the amount you have to pay if you make a claim, or you can increase it which may reduce your premium.

    Co-op car insurance customer reviews

    On the review platform, 65% of reviewers would recommend Co-op Insurance. It has a rating of 3.6 stars out of 5 from nearly 700 reviews. On Trustpilot it has a rating of 4.1 stars out of 5 from more than 1,600 reviews, which earns a “Great” rating (last updated: May 2024).

    How to cancel Co-op car insurance

    To cancel your policy you need to call 03457 46 46 46.

    You will receive a full refund from Co-op if you cancel within the first 14 days of receiving your policy documents. If you cancel after that there is a £50 fee.

    Frequently asked questions

    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
    *Based on data provided by Consumer Intelligence Ltd, (Mar ’24). 51% of car insurance customers could save £539.54

Written by

Esther Wolffowitz

Esther Wolffowitz was a publisher at specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full profile

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