Co-op offers comprehensive and third party, fire and theft cover. Its comprehensive cover has a 5-star Defaqto rating, which is the highest level.
It offers car insurance policies for drivers aged 17–75 and younger drivers (aged 17–24) could save on their premiums with Co-op's young driver insurance. Since this policy involves having a black box fitted into your car to monitor your performance, it would only suit someone who is genuinely a safe driver. Otherwise your premiums could go up.
If you don't think Co-op car insurance is right for you, you can also compare other car insurance policies to find a better fit.
Co-op Insurance offers comprehensive and third party, fire and theft car insurance policies. It also offers specialist cover for young drivers and electric cars, as well as van insurance.
The Co-op is well known for its supermarkets around the UK but what many don’t know is that it offers a wide range of other products as well.
The Co-op Group offers services in food retail, electrical retail, financial services, insurance services, legal services and funeral care.
Co-op Insurance is steeped in history. It was formed in 1867 to provide cover for co-operative societies and has grown into a multibillion-pound business.
Who underwrites Co-op Car Insurance?
Co-op Car Insurance is administered by Affinity Insurance Solutions Limited (AISL) and underwritten by a select panel of insurers.
What’s covered under my policy?
Product Name
Co-op third party, fire and theft
Co-op comprehensive
Damage to your car
✓
✓
Damaged windscreen and window glass
✓
Fire and theft
✓
✓
Personal accident cover
✓
Personal belongings
✓
Liabilities to third parties
✓
✓
Using the car abroad
✓
✓
Replacement locks
✓
Optional extras
Co-op Insurance offers a range of optional extras:
Breakdown cover
Legal expenses cover
Enhanced courtesy car cover (not available in the Young driver policy)
Extended foreign use (not available in the Young driver policy)
What are Co-op’s different policies?
Co-op Insurance has 5 different policy options:
Co-op’s comprehensive insurance is for drivers aged 17 to 75. Its features include 24/7 accident recovery, a repair guarantee, an uninsured driver promise, a courtesy car and vandalism cover.
Co-op Young driver insurance is specially designed for drivers age 17–24 and uses “black box” or telematics technology to monitor driving. For good drivers, this can result in lower premiums. Young drivers who are also safe drivers can benefit from this type of cover.
As the name suggests, this policy covers for claims from third parties, fire and theft. It’s higher than the legal minimum level of cover, but it doesn’t offer you what a comprehensive policy offers.
You can take this out as either comprehensive or third party, fire and theft. It includes cover for batteries and charging cables so it gives you some peace of mind for your electric car.
Co-op offers both comprehensive and third party, fire and theft van insurance. You can get cover for tools in transit as an added extra.
How do I make a claim?
You can make a claim online or by calling the claims team on 0345 999 8888.
What is my excess?
An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. Details of your excess amounts will be displayed in your policy schedule.
Sometimes more than one excess will apply and in this case, Co-op Insurance will add them together.
There are 2 types of excess and these are:
Compulsory excess which is set by the insurer underwriting your policy. This is added to the voluntary excess you choose to give the total amount of excess you will pay if you make a claim.
Voluntary excess which is in addition to any compulsory excess. You can set this as low as you want to reduce the amount you have to pay if you make a claim, or you can increase it which may reduce your premium.
Co-op car insurance customer reviews
On the review platform reviews.io, 65% of reviewers would recommend Co-op Insurance. It has a rating of 3.6 stars out of 5 from nearly 700 reviews. On Trustpilot it has a rating of 4.1 stars out of 5 from more than 1,600 reviews, which earns a “Great” rating (last updated: May 2024).
How to cancel Co-op car insurance
To cancel your policy you need to call 03457 46 46 46.
You will receive a full refund from Co-op if you cancel within the first 14 days of receiving your policy documents. If you cancel after that there is a £50 fee.
Frequently asked questions
Yes, Co-op offers policies that can be paid in full or by monthly direct debit payments.
You can add other people to your policy on a temporary basis.
You can check your expiry date and view your policy documents online.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
Ways to boost your income with just an internet connection, smartphone or laptop.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
