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
Visit provider's website

We don't get paid for any links on our site.

Car insurance

Ranked 21st of 52 providers reviewed.

Customer happiness 61.33%
Customer trust 56.22%
Complaints performance 75.99%
Transparency rating 51.73%
Fairer Finance score
Reviewed Autumn 2020
61%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 10th of 51 providers reviewed.

Customer happiness 60.84%
Customer trust 59.93%
Complaints performance 76.36%
Transparency rating 56.92%
Fairer Finance score
Reviewed Autumn 2020
64%

Life insurance

Ranked 12th of 24 providers reviewed.

Claims score 80.25%
Complaints performance 82.58%
Transparency rating 57.51%
Fairer Finance score
Reviewed Autumn 2020
73%

Pet insurance

Ranked 23rd of 28 providers reviewed.

Customer happiness 49%
Customer trust 47%
Complaints performance 70%
Transparency rating 51%
Fairer Finance score
Reviewed Autumn 2020
54%
Gold ribbon: first place

Travel insurance

Ranked 10th of 69 providers reviewed.

Customer happiness 49.76%
Customer trust 49.76%
Complaints performance 65.77%
Transparency rating 50.06%
Fairer Finance score
Reviewed Autumn 2020
54%

Car insurance

Co-operative Insurance

Motor Insurance

3 stars
Cover limit for lost keys i £0
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £500
New car replacement
Windscreen repair excess i £15
Windscreen replacement excess i £75
Repairs guarantee (years) i 3 years
Cover limit for stolen keys i £750
24hr helpline available i
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

Co-operative Insurance

Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £2,000
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £0
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Buildings insurance

Co-operative Insurance

Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £0
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £500
Compulsory excess i £50
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

Co-operative Insurance

Home Insurance

4 stars
Theft from outbuildings cover limit i £2,000
Matching sets i
Cover for keys if lost i £0
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 20% of sum insured
Money in the home cover limit i £500
Cover for keys if stolen i £500
24hr helpline i

Life insurance

Over 50s life insurance

Co-operative Insurance

Over 50 Life Insurance

5 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i Full payout
How long after policy is started can full benefits be claimed? i 24 months
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
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
Discount offered with a funeral provider? i 0

Pet insurance

Cat insurance

3 stars
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £5,000
CT scans i £5,000
MRI scans i £5,000
Prescription diet (treatment of bladder stones only) i £5,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional
2 stars
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £0
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Dog insurance

3 stars
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £5,000
CT scans i £5,000
MRI scans i £5,000
Prescription diet (treatment of bladder stones only) i £5,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 7 years
Amendment fee i £0
1 stars
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £0
Age when compulsory excess rises i 7 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £300
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 90 days
4 stars
Cancelling before travel cover limit i £7,500
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £4,000
Cutting trip short cover limit i £7,500
Abandoning your trip cover limit i £7,500
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Lost or stolen cash i £250
Combined passport & travel cover limit i £500
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 90 days
3 stars
Cancelling before travel cover limit i £2,500
Medical excess i £75
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Cutting trip short cover limit i £2,500
Abandoning your trip cover limit i £2,500
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Lost or stolen cash i £250
Combined passport & travel cover limit i £100
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 45 days
1 stars
Cancelling before travel cover limit i £1,000
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Lost or stolen cash i £150
Combined passport & travel cover limit i £50
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 31 days

Single trip insurance

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i Unlimited
Lost or stolen cash i £300
Combined passport & travel cover limit i £300
Missed departure cover limit i £750
3 stars
Cancelling before travel cover limit i £2,500
Medical excess i £75
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Cutting trip short cover limit i £2,500
Abandoning your trip cover limit i £2,500
Emergency medical cover and repatriation cover limit i Unlimited
Lost or stolen cash i £250
Combined passport & travel cover limit i £100
Missed departure cover limit i £500
1 stars
Cancelling before travel cover limit i £1,000
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i Unlimited
Lost or stolen cash i £150
Combined passport & travel cover limit i £50
Missed departure cover limit i £0

Travel insurance add-on: cruise cover

5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £0
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500
5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £0
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500
5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £0
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500
5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £0
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500

Travel insurance add-on: winter sports

3 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Avalanche closure cover limit i £500
Piste closure cover limit i £400
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Unused ski pass due to illness or injury i £450
2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Ski equipment owned excess i £75
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £300
1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Ski equipment owned excess i £100
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £300

Travel Insurance Covid-19 Cover

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)