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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Gold ribbon: first place

Car insurance

Ranked 18th of 53 providers reviewed.

Customer happiness 61.76%
Customer trust 60.29%
Complaints performance 74.51%
Transparency rating 71.12%
Fairer Finance score
Reviewed Spring 2023
67%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 16th of 48 providers reviewed.

Customer happiness 64.74%
Customer trust 62.66%
Complaints performance 77.69%
Transparency rating 68.44%
Fairer Finance score
Reviewed Spring 2023
68%

Life insurance

Ranked 21st of 25 providers reviewed.

Claims score 64.30%
Complaints performance 81.09%
Transparency rating 69.95%
Fairer Finance score
Reviewed Spring 2023
72%

Pet insurance

Ranked 22nd of 34 providers reviewed.

Customer happiness 48.55%
Customer trust 47.4%
Complaints performance 77.26%
Transparency rating 79.81%
Fairer Finance score
Reviewed Spring 2023
63%
Gold ribbon: first place

Travel insurance

Ranked 17th of 41 providers reviewed.

Customer happiness 46.04%
Customer trust 49.01%
Complaints performance 77.6%
Transparency rating 66.34%
Fairer Finance score
Reviewed Spring 2023
60%

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

Eco Motor 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 £15.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
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

Home Emergency Cover

Co-operative Insurance

Home Assistance

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i Not Specified

Home insurance (building and contents)

Co-operative Insurance

Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i 20% of the sum insured
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i £1,000.00
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £350.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i 20% of the sum insured
Liability to domestic employees i £2,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £75,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i £0.00
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £1,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £500.00
Visitor's possessions £1,000.00
Out in open cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit 10% of sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph

Buildings insurance

Co-operative Insurance

Home Insurance

5 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i £1,000.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £350.00
Flood excess i £100.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Co-operative Insurance

Home Insurance

3 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i Sum Insured
Credit cards i £0.00
Amendment fee (telephone) i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Contents cover limit i £75,000.00
Music, film, or electronic downloads i
Documents i £500.00
Frozen Food Cover i £1,000.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £1,000.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 1,000.00
Out in open cover
Alternative accommodation cover limit for contents i 20% of the sum insured
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £2,000,000.00
Liability as a tenant i 20% of the sum insured
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter LV=
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: 10% of sum Insured / Day limit: 60
Births - limit/days Cover Limit: 10% of Sum Insured / Day limit: 60
Anniversaries - Limits/days Cover Limit: 10% of Sum Insured / Day limit: 60
Religious events -Limits/days Cover Limit: 10% of Sum Insured / Day limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Life insurance

Over 50s life insurance

Co-operative Insurance

Over 50 Life Insurance

4 stars
Age when premiums stop i 95
Cover for accidental death in waiting period i Full payout
How long after policy is started can full benefits be claimed? i 24 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 Full payout
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 £0
Funeral benefit option provider i Not offered

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
Prescription diet (treatment of bladder stones only) 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
Prescription diet (treatment of bladder stones only) 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 £,7500

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
Prescription diet (treatment of bladder stones only) 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

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
Prescription diet (treatment of bladder stones only) 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
Prescription diet (treatment of bladder stones only) 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 £150.00
Cremation i £150.00
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 £2,000.00
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

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
Prescription diet (treatment of bladder stones only) 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 £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 £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
Prescription diet (treatment of bladder stones only) 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 £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

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
Prescription diet (treatment of bladder stones only) 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

Time Limited £5,000

4 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
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
Prescription diet (treatment of bladder stones only) 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 £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
Prescription diet (treatment of bladder stones only) 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 £,7500

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
Prescription diet (treatment of bladder stones only) 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 £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
Prescription diet (treatment of bladder stones only) 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
Prescription diet (treatment of bladder stones only) i £250.00
Complementary treatment i £16,000.00
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 £5,000.00
Holiday cover i £16,000.00
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
Prescription diet (treatment of bladder stones only) 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
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
Prescription diet (treatment of bladder stones only) 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

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
Prescription diet (treatment of bladder stones only) 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

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 cover limit i £100.00
Cutting trip short cover limit i £2,500.00
Abandoning your trip cover limit i £2,500.00
Natural disaster relocation cover i
Natural disaster baggage cover i Relocation
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 cover limit i £300.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i Relocation
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 cover limit i £500.00
Cutting trip short cover limit i £7,500.00
Abandoning your trip cover limit i £7,500.00
Natural disaster relocation cover i
Natural disaster baggage cover i Relocation
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 cover limit i £50.00
Cutting trip short cover limit i £1,000.00
Abandoning your trip cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i Optional
Max trip duration i 31 days

Single trip insurance

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 £100.00
Cutting trip short cover limit i £2,500.00
Missed departure cover limit i £500.00
Abandoning your trip cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £0.00
Combined passport & travel cover limit i £75.00
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 £300.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £750.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £0.00
Combined passport & travel cover 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 £50.00
Cutting trip short cover limit i £1,000.00
Missed departure cover limit i £0.00
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £0.00
Combined passport & travel cover limit i £100.00

Travel insurance add-on: cruise 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

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
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
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