Co-operative Insurance

The Co-operative Insurance Society is owned by the Co-operative Group, rather than private shareholders.

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.

Co-operative Insurance
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Car insurance

Ranked 21st of 51 providers reviewed.

Customer happiness 55%
Customer trust 49%
Complaints performance 80%
Transparency rating 45%
Fairer Finance score
Reviewed Spring 2019
57%
Gold ribbon: first place

Home insurance

Ranked 14th of 47 providers reviewed.

Customer happiness 58%
Customer trust 52%
Complaints performance 80%
Transparency rating 45%
Fairer Finance score
Reviewed Spring 2019
59%

Life insurance

Ranked 22nd of 25 providers reviewed.

Claims score 96.28%
Complaints performance 78.99%
Transparency rating 66%
Fairer Finance score
Reviewed Spring 2019
69%

Car insurance

Co-operative Insurance

Motor Insurance

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

Home insurance

Co-operative Insurance

Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings i £2,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £0
Money in the home i £500
New for old i

Buildings insurance

Co-operative Insurance

Home Insurance

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

Contents insurance

Co-operative Insurance

Home Insurance

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £0
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i 20% of sum insured
Money in the home i £500
Cover for keys/locks if stolen i £500
24hr helpline i

Pet insurance

Cat insurance

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
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 i £0
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i
1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
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 i £0
Cremation i £0
Complementary treatment i £0
Age compulsory excess changes i 10 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
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 i £0
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 7 years
Amendment fee i £0
1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
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 i £0
Cremation i £0
Complementary treatment i £0
Age compulsory excess changes i 7 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

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

Cruise add-on

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

Single trip insurance

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

Winter sports add-on

3 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure i £500
Piste closure i £400
Unused ski pass due to illness or injury i £450
3 stars
Ski equipment owned i £1,500
Single item limit for owned equipment i £750
Hiring replacement winter sports equipment i £750
Ski equipment owned excess i £50
Ski equipment hired i £750
Single item limit for hired equipment i £750
Avalanche closure i £750
Piste closure i £500
Unused ski pass due to illness or injury i £510
1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £100
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300
1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £75
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300