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 44 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%

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

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 Security Cover i
Home Emergency Cover limit i	£500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
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	Not Specified
Claims limit i	Unlimited

Theft from outbuildings i	Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	£100,000.00
Escape of water excess i	£450.00
Additional escape of water excess i	£0.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Trace and access i	£5,000.00
Buildings cover limit i	£1,000,000.00
Money in the home i	£500.00
Contents sum insured i	£75,000.00
Visitor's possessions i	£1,000.00
Office equipment i	£0.00
Alternative accommodation cover limit for contents i	£25,000.00
Escape of water excess (minimum) i	£450.00
Cancellation fee after 14 days i	£0.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£2,000,000.00
Liability as a tenant i	20% of the sum insured
Replace belongings new for old i

Matching sets (Buildings) i
Escape of water excess (minimum) i	£450.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£450.00
Unoccupied period i	60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£2,000,000.00

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

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	£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
Is there an option to cover pre-existing conditions? i

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
Is there an option to cover pre-existing conditions? i

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
Natural disaster baggage cover i
Max trip duration i	45 days

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
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

Car insurance

Telematics Car Insurance

Commercial Vehicle Insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

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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