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 15th of 53 providers reviewed.

Customer happiness 57%
Customer trust 53%
Complaints performance 77%
Transparency rating 52%
Fairer Finance score
Reviewed Autumn 2019
60%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 12th of 49 providers reviewed.

Customer happiness 58%
Customer trust 52%
Complaints performance 77%
Transparency rating 55%
Fairer Finance score
Reviewed Autumn 2019
61%

Life insurance

Ranked 18th of 24 providers reviewed.

Claims score 96.28%
Complaints performance 77%
Transparency rating 61%
Fairer Finance score
Reviewed Autumn 2019
67%

Car insurance

Co-operative Insurance

Motor Insurance

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

Home insurance (building and contents)

Co-operative Insurance

Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £2,000
24hr helpline i
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

Buildings insurance

Co-operative Insurance

Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i
Cover for keys if lost i £0
Compulsory excess i £50
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys 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 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

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

Pet insurance

Cat insurance

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 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
If renewed, are existing conditions covered? i
Vet fees cover limit 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 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

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

Single trip insurance

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

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
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure cover limit i £500
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £450
3 stars
Ski equipment owned cover limit i £1,500
Single owned item cover limit i £750
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £750
Ski equipment owned excess i £50
Ski equipment hired i £750
Single item limit for hired equipment i £750
Avalanche closure cover limit i £750
Piste closure cover limit i £500
Unused ski pass due to illness or injury i £510
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
Ski equipment owned excess i £75
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
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
Ski equipment owned excess i £100
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £300