Co-operative Insurance

The Co-operative Insurance was founded in 1867, and is the trading name of CIS General Insurance Ltd. It is a wholly owned subsidiary of the Co-operative Group.

Co-op Group is a mutual group, meaning it's owned by its customers. It is the UK's largest mutual business.

Co-op offers a wide range of insurance products including car, home and pet insurance. It previously offered life insurance before Royal London purchased this business unit in 2013.

Their headquarters are based in Manchester, UK.

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Breakdown Cover

Ranked 28^th of 31 providers reviewed.

Customer happiness score	47.32%
Customer trust score	55.36%
Complaints performance	59.39%
Transparency rating	44.69%
Fairer Finance score Reviewed Autumn 2023	52%

Car insurance

Ranked 28^th of 49 providers reviewed.

Customer happiness score	59.16%
Customer trust score	55.73%
Complaints performance	69.8%
Transparency rating	75.25%
Fairer Finance score Reviewed Autumn 2023	65%

Home emergency cover

Ranked 23^rd of 35 providers reviewed.

Customer happiness score	62.9%
Customer trust score	64.52%
Complaints performance	55.81%
Transparency rating	56.93%
Fairer Finance score Reviewed Autumn 2023	60%

Home insurance (building and contents)

Ranked 12^th of 46 providers reviewed.

Customer happiness score	64.21%
Customer trust score	61.71%
Complaints performance	73.72%
Transparency rating	74.08%
Fairer Finance score Reviewed Autumn 2023	69%

Life insurance

Ranked 9^th of 24 providers reviewed.

Claims score	80.45%
Complaints performance	81.54%
Transparency rating	71.13%
Fairer Finance score Reviewed Autumn 2023	78%

Pet insurance

Ranked 23^rd of 35 providers reviewed.

Customer happiness score	50.56%
Customer trust score	46.61%
Complaints performance	73.59%
Transparency rating	81.62%
Fairer Finance score Reviewed Autumn 2023	63%

Travel insurance

Ranked 16^th of 45 providers reviewed.

Customer happiness score	49.66%
Customer trust score	54.7%
Complaints performance	70.93%
Transparency rating	61.73%
Fairer Finance score Reviewed Autumn 2023	59%

Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i	Unlimited
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i	£0.00
Windscreen replacement excess i	£100.00
Cover limit for stolen keys i	Unlimited
Cover for replacing original audio/visual equipment i	Unlimited
Repairs guarantee (years) i	Lifetime
Vandalism i

Home Security Cover i
Home Emergency Cover limit i	£500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£250.00
Unoccupied period i	30
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Alternative accommodation cover limit for buildings i	£100,000.00
Theft from outbuildings i	£2,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£100,000.00
Alternative accommodation cover limit for contents i	£20,000 or 20% of the contents sum insured
Buildings cover limit i	£1,000,000.00
Cancellation fee after 14 days i	£25.00
Liability to domestic employees i	£5,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£0.00
Liability as a tenant i	20% of the sum insured
Replace belongings new for old i
Flood excess i	£100.00
Escape of water excess (minimum) i	£450.00
Money in the home i	£500.00
Visitor's possessions i	£500.00
Office equipment i	£10,000.00

Matching sets (contents) i
Theft from outbuildings i	Sum insured
Cover for items away from home i	Covered as standard
Property owner liability i	£2,000,000.00

How long after policy is started can full benefits be claimed? i	12 months
Age when premiums stop i	90
Cover type (level or increasing) i	Level
Cover for accidental death in waiting period i	100%
Signing up incentive i	£100 gift card
Can you reduce monthly payments? i
Minimum age i	50
If a payment is missed, how long until the policy is cancelled? i	60 days
Maximum age i	80
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Cover for non-accidental death in waiting period (% of premiums paid) i	100%
Payout for accidental death outside waiting period i	100%
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Discount offered with a funeral provider? i
Funeral benefit option provider i

Medical excess i	£75.00
Type of cover i	Lifetime, annual
Medical cover limit i	£2,500.00
Age when compulsory excess rises i	6 years
Annual policy limit i	£2,500.00
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£2,500.00
Cruciate ligament damage i	£2,500.00
CT scans i	£2,500.00
MRI scans i	£2,500.00
Prescribed food i	£250.00
Complementary treatment i	£2,500.00
Boarding fees limit i	£500.00
Death benefit (illness) i	£500.00
Euthanasia cover limit i	£150.00
Cremation i	£150.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£1,000.00
Holiday cover i	£2,500.00
Quarantine costs cover i	£1,000.00
Loss of PETS passport or other travel documents i	£1,000.00
Emergency expenses abroad i	£1,000.00
Maximum number of days abroad i	30 days

Medical excess i	£50.00
Cancelling before travel cover limit i	£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£3,000.00
Emergency medical cover and repatriation cover limit i	Unlimited
Mental health cover i
Max trip duration i	45 days
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£300.00
Natural disaster relocation cover i

Cancelling before travel cover limit i	£7,500.00
Medical excess i	£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£4,000.00
Emergency medical cover and repatriation cover limit i	Unlimited
Cutting trip short curtailment cover limit i	£7,500.00
Missed departure cover limit i	£1,000.00
Abandoning your trip (abandonment) cover limit i	£7,500.00
Personal money i	£600.00
Combined passport & travel documents limit i	£500.00

Missed port departure cover limit i	£1,000.00
Re-joining a cruise cover limit i	£1,000.00
Cabin confinement cover limit i	£1,000.00
Missed port departure excess i	£0.00
Timetable/itinerary change cover limit i	£500.00
Unused excursions cover limit i	£500.00

Ski equipment owned cover limit i	£1,500.00
Single owned item cover limit i	£750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£750.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£750.00
Single item limit for hired equipment i	£750.00
Avalanche closure cover limit i	£750.00
Piste closure cover limit i	£500.00
Unused ski pass due to illness or injury i	£510.00

Co-operative Insurance

Car insurance

Commercial Vehicle Insurance

Home emergency cover

Home insurance (building and contents)

Contents insurance

Life insurance

Over 50s life insurance

Pet insurance

Cat insurance

Dog insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: cruise cover

Travel insurance add-on: winter sports

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