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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Car insurance

Ranked 24th of 54 providers reviewed.

Customer happiness 65.75%
Customer trust 59.09%
Complaints performance 78%
Transparency rating 54.96%
Fairer Finance score
Reviewed Autumn 2021
64%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 17th of 51 providers reviewed.

Customer happiness 61.81%
Customer trust 58.02%
Complaints performance 77.17%
Transparency rating 61.92%
Fairer Finance score
Reviewed Autumn 2021
65%
Gold ribbon: first place

Life insurance

Ranked 7th of 26 providers reviewed.

Claims score 80.25%
Complaints performance 86.89%
Transparency rating 65.99%
Fairer Finance score
Reviewed Autumn 2021
78%

Pet insurance

Ranked 12th of 28 providers reviewed.

Customer happiness 52.08%
Customer trust 54.17%
Complaints performance 77.1%
Transparency rating 72.27%
Fairer Finance score
Reviewed Autumn 2021
64%

Travel insurance

Ranked 23rd of 36 providers reviewed.

Customer happiness 50.95%
Customer trust 51.43%
Complaints performance 43.35%
Transparency rating 47.6%
Fairer Finance score
Reviewed Autumn 2021
48%

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
New car replacement
Windscreen repair excess i £0
Windscreen replacement excess i £100
Repairs guarantee (years) i Lifetime
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Cover for replacing original audio/visual equipment i Unlimited

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 100,000
Cover for keys if lost i £1,000
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Buildings insurance

Co-operative Insurance

Home Insurance

5 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £1,000
Matching sets i
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
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 £1,000
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 £1,000
24hr helpline i

Life insurance

Over 50s life insurance

Co-operative Insurance

Co-operative 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
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

Pet insurance

Cat insurance

3 stars
Medical cover limit i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit 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 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
2 stars
Medical cover limit i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £2,000
Annual policy limit 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

Dog insurance

3 stars
Medical cover limit i 5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit 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 cover limit i £0
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Amendment fee i £0
1 stars
Medical cover limit i 2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 2,000
Annual policy limit 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
Amendment fee i £0