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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Co-op Insurance offers two insurance policies: standard cover that is normally available for customers aged 17 to 75, and Young Driver insurance for those aged 17 to 24 which uses telematics (“black box“) technology.

The policies only provide comprehensive cover with an option for third party, fire and theft.

There are several things to consider when deciding on your car insurance and as a result we have tried to condense the key information from Co-op Insurance policies below.

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 multi-billion pound business.

What are Co-op’s car insurance cover options?

Co-op Insurance has two different cover options for customers of different ages. Both provide the highest level of cover – comprehensive – and both have a range of features.

Co-op car insurance for drivers aged 17 and over

Co-op’s standard insurance is for drivers aged 17 to 75. This cover has a range of different features and optional extras you can add on.

Features of this include:

  • No-claims discount for 5 or more years claim-free
  • Courtesy car provided as standard
  • 24-hour accident recovery service
  • Replacement of keys
Young Driver insurance for 17 to 24 years olds

Co-op Young Driver insurance is specially designed for drivers age 17-24 and uses Co-op’s Smartbox (“black box” or telematics) technology to monitor driving. For good drivers, this can result in lower premiums.

Features of this include:

  • A small box fitted to your car to monitor how you drive
  • No night-time curfews
  • No mileage limit
  • Earn discounts by driving safely
  • Check your performance on the personalised online dashboard, available 24/7
  • Try the smartphone app before you buy
  • Earn a no-claims discount
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 Drivers policy)
  • Extended foreign use (not available in the Young Drivers policy)

Compare Co-op’s car insurance policies

1 - 2 of 2
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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What is covered under my policy?

Co-op offers two levels of comprehensive car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.

Have a look at the table below to see what the two cover options from Co-op offer.

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

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 two 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.

How do I make a claim on my Co-op car insurance?

If you need to make a claim on your Co-op Insurance policy you can call the claims team on 0345 999 8888

For new claims the line is open 24 hours a day and for existing claims the line is open 8:30am – 5pm, Mon – Fri.

Co-op car insurance customer reviews

On the review platform 65% of reviewers would recommend Co-op insurance. For the most part, customers praised its friendly and efficient service and good customer communication; less happy reviewers cited price hikes and repair delays (last updated: July 2021).

Co-op pros and cons


  • Specialist policies for young drivers
  • Black box policies available
  • 24-hour helpline


  • Only third party fire theft and comprehensive cover options available
  • No multi-car discounts available


While Co-op do offer car insurance policies for drivers aged 17-75, 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.

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.
*Based on data provided by Consumer Intelligence Ltd, (March ’23). 51% of car insurance customers could save £407.05

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