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.

Co-operative Insurance
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Breakdown Cover

Ranked 28th 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 28th 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 23rd 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%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 12th 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%
Gold ribbon: first place

Life insurance

Ranked 9th 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 23rd 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%
Gold ribbon: first place

Travel insurance

Ranked 16th 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%

Car insurance

Co-operative Insurance

Motor Insurance

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

Co-operative Insurance

Essentials Car Insurance

1 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £0.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Telematics Car Insurance

Co-operative Insurance

Young Drivers

3 stars
Cover limit for lost keys i £0.00
Cover limit for Legal Liability Cover for property damage £20,000,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i Self install
Is device removal mandatory at the end of the contract? i
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score? Only for speeding
Can premiums increase due to driving score? On renewal
Curfew i
Digital capability i
Cancellation fee (within 14 days) box installed i £25.00
Speed restrictions scenario i Pass
Cover for replacing original audio/visual equipment i Unlimited
Cancellation fee (within 14 days, box not installed) i £50.00
24hr helpline available i
New car replacement i
Cover limit for stolen keys i £0.00
Legal cover for manslaughter defence i Unlimited
Are children's car seats covered?
Cover limit for personal belongings inside car £100.00
Underwriter Panel
Storage after accident i
Vermin & insects i
Misfuelling i

Commercial Vehicle Insurance

Co-operative Insurance

Van Insurance

4 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £500.00
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £100.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Cover limit for stolen keys i £500.00
Repairs guarantee (years) i Lifetime
Vandalism i

Home emergency cover

Co-operative Insurance

Home Assistance

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

Home insurance (building and contents)

Co-operative Insurance

Home Insurance

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

Buildings insurance

Co-operative Insurance

Home Insurance

3 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £450.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £20.00
Property owner liability i £2,000,000.00

Contents insurance

Co-operative Insurance

Home Insurance

4 stars
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

Life insurance

Over 50s life insurance

Co-operative Insurance

Over 50 Life Insurance

4 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 100%
How long after policy is started can full benefits be claimed? i 12 months
Cover type (level or increasing) i Level
Signing up incentive i £100 gift card
Minimum age i 50
Maximum age i 80
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
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 60 days
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
Discount offered with a funeral provider? i
Funeral benefit option provider i

Pet insurance

Cat insurance

Co-operative Insurance

Lifetime £2,500

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,500.00
Medical excess i £75.00
Annual policy limit i £2,500.00
Annual condition limit i
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
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
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £5,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £250.00
Complementary treatment i £5,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £2,000.00
Holiday cover i £5,000.00
Quarantine costs cover i £1,500.00
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
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £10,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £75.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescribed food i £250.00
Complementary treatment i £10,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
Quarantine costs cover i £2,000.00
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
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £16,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £16,000.00
Medical excess i £75.00
Annual policy limit i £16,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £16,000.00
Cruciate ligament damage i £16,000.00
CT scans i £16,000.00
MRI scans i £16,000.00
Prescribed food i £250.00
Complementary treatment i £16,000.00
Boarding fees limit i £2,000.00
Death benefit (illness) i £3,000.00
Euthanasia cover limit i £250.00
Cremation i £250.00
Holiday cancellation i £5,000.00
Holiday cover i £16,000.00
Quarantine costs cover i £3,000.00
Loss of PETS passport or other travel documents i £1,000.00
Emergency expenses abroad i £2,000.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £7,500

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,500.00
Medical excess i £75.00
Annual policy limit i £7,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescribed food i £250.00
Complementary treatment i £7,500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £2,000.00
Holiday cover i £7,500.00
Quarantine costs cover i £1,500.00
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
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Time Limited £2,000

3 stars
Type of cover i Time-limited
Medical cover limit i £2,000.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £2,000.00
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescribed food i £100.00
Complementary treatment i £2,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Holiday cancellation i £2,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Time Limited £5,000

3 stars
Type of cover i Time-limited
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £5,000.00
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £150.00
Complementary treatment i £5,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Holiday cancellation i £2,000.00
Holiday cover i £5,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,000.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £1,000

2 stars
Type of cover i Lifetime, annual
Medical cover limit i £1,000.00
Medical excess i £75.00
Annual policy limit i £1,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescribed food i £250.00
Complementary treatment i £1,000.00
Boarding fees limit i £500.00
Death benefit (illness) i £500.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £1,000.00
Holiday cover i £1,000.00
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
Age when compulsory excess rises i 6 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Co-operative Insurance

Lifetime £7,500

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,500.00
Medical excess i £75.00
Annual policy limit i £7,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescribed food i £250.00
Complementary treatment i £7,500.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £7,500.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £5,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £250.00
Complementary treatment i £5,000.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £5,000.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £10,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £75.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescribed food i £250.00
Complementary treatment i £10,000.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £16,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £16,000.00
Medical excess i £75.00
Annual policy limit i £16,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £16,000.00
Cruciate ligament damage i £16,000.00
CT scans i £16,000.00
MRI scans i £16,000.00
Prescribed food i £250.00
Complementary treatment i £16,000.00
Euthanasia cover limit i £250.00
Cremation i £250.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £16,000.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Time Limited £5,000

3 stars
Type of cover i Time-limited
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £5,000.00
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £150.00
Complementary treatment i £5,000.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £5,000.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £2,500

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,500.00
Medical excess i £75.00
Annual policy limit i £2,500.00
Annual condition limit i
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
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £2,500.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Time Limited £2,000

2 stars
Type of cover i Time-limited
Medical cover limit i £2,000.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £2,000.00
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescribed food i £100.00
Complementary treatment i £2,000.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Co-operative Insurance

Lifetime £1,000

1 stars
Type of cover i Lifetime, annual
Medical cover limit i £1,000.00
Medical excess i £75.00
Annual policy limit i £1,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescribed food i £250.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 6 years
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £1,000.00
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

Co-operative Insurance

Gold (with optional natural disaster cover)

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

Co-operative Insurance

Platinum (with optional natural disaster cover)

4 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £4,000.00
Cancelling before travel cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £600.00
Combined passport & travel documents cover limit i £500.00
Cutting trip short (curtailment) cover limit i £7,500.00
Abandoning your trip (abandonment) cover limit i £7,500.00
Natural disaster relocation cover i
Max trip duration i 55 days

Co-operative Insurance

Silver (with optional natural disaster cover)

3 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £400.00
Combined passport & travel documents cover limit i £100.00
Cutting trip short (curtailment) cover limit i £2,500.00
Abandoning your trip (abandonment) cover limit i £2,500.00
Natural disaster relocation cover i
Max trip duration i 45 days
3 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £400.00
Combined passport & travel documents cover limit i £100.00
Cutting trip short (curtailment) cover limit i £2,500.00
Abandoning your trip (abandonment) cover limit i £2,500.00
Natural disaster relocation cover i
Max trip duration i 45 days
3 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £300.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 45 days
3 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £4,000.00
Cancelling before travel cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £600.00
Combined passport & travel documents cover limit i £500.00
Cutting trip short (curtailment) cover limit i £7,500.00
Abandoning your trip (abandonment) cover limit i £7,500.00
Natural disaster relocation cover i
Max trip duration i 55 days
1 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cancelling before travel cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £300.00
Combined passport & travel documents cover limit i £50.00
Cutting trip short (curtailment) cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £0.00
Natural disaster relocation cover i
Max trip duration i 31 days

Co-operative Insurance

Bronze (with optional natural disaster cover)

1 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cancelling before travel cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £300.00
Combined passport & travel documents cover limit i £50.00
Cutting trip short (curtailment) cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £0.00
Natural disaster relocation cover i
Max trip duration i 31 days

Single trip insurance

Co-operative Insurance

Platinum (with optional natural disaster cover)

4 stars
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
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
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £600.00
Combined passport & travel documents limit i £500.00

Co-operative Insurance

Gold (with optional natural disaster cover)

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £750.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £500.00
Combined passport & travel documents limit i £300.00
3 stars
Cancelling before travel cover limit i £2,500.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £2,500.00
Missed departure cover limit i £500.00
Abandoning your trip (abandonment) cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £400.00
Combined passport & travel documents limit i £100.00
3 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £750.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £500.00
Combined passport & travel documents limit i £300.00
3 stars
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
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
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £600.00
Combined passport & travel documents limit i £500.00

Co-operative Insurance

Silver (with optional natural disaster cover)

3 stars
Cancelling before travel cover limit i £2,500.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £2,500.00
Missed departure cover limit i £500.00
Abandoning your trip (abandonment) cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £400.00
Combined passport & travel documents limit i £100.00

Co-operative Insurance

Bronze (with optional natural disaster cover)

1 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short curtailment cover limit i £1,000.00
Missed departure cover limit i £0.00
Abandoning your trip (abandonment) cover limit i £0.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £300.00
Combined passport & travel documents limit i £50.00
1 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short curtailment cover limit i £1,000.00
Missed departure cover limit i £0.00
Abandoning your trip (abandonment) cover limit i £0.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £300.00
Combined passport & travel documents limit i £50.00

Travel insurance add-on: cruise cover

Co-operative Insurance

Bronze (with optional natural disaster cover)

5 stars
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

Co-operative Insurance

Platinum (with optional natural disaster cover)

5 stars
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

Co-operative Insurance

Gold (with optional natural disaster cover)

5 stars
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
5 stars
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
5 stars
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
5 stars
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
5 stars
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

Co-operative Insurance

Silver (with optional natural disaster cover)

5 stars
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

Travel insurance add-on: winter sports

5 stars
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
Avalanche closure cover limit i £750.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £750.00
Single item limit for hired equipment i £750.00
Unused ski pass due to illness or injury i £510.00

Co-operative Insurance

Platinum (with optional natural disaster cover)

5 stars
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
Avalanche closure cover limit i £750.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £750.00
Single item limit for hired equipment i £750.00
Unused ski pass due to illness or injury i £510.00

Co-operative Insurance

Gold (with optional natural disaster cover)

4 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £50.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £450.00
4 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £50.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £450.00

Co-operative Insurance

Silver (with optional natural disaster cover)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £200.00
Ski equipment owned excess i £75.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £300.00
3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £200.00
Ski equipment owned excess i £100.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £300.00
3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £200.00
Ski equipment owned excess i £75.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £300.00

Co-operative Insurance

Bronze (with optional natural disaster cover)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £200.00
Ski equipment owned excess i £100.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £300.00