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Co-op car insurance

The Co-op is a mutual insurer owned by its millions of members and it has existed for over 175 years. Read more about how it compares when it comes to car insurance.

How good is Co-op car insurance?

Defaqto rating: 5/5 stars

Co-op car insurance achieved a five star rating from Defaqto, an independent financial research company. 

Note: Not all Defaqto five-star rated products have the same covers and terms.

Trustpilot rating: 1.7/5 stars

Trustpilot has given Co-op Insurance a poor rating of 1.7 out of five based on 67 reviews.

About Co-op insurance

Co-op Insurance began in 1867 initially to provide fire insurance for co-operative societies. It is part of the Co-op Group and its car insurance is underwritten by CIS General Insurance. 

The Co-op is one of the world’s largest consumer co-operatives with interests across food, funerals, insurance, legal services and health. It has a clear purpose of championing a better way of doing business for you and your communities.

Co-op car insurance covers wide age range

Co-op car insurance is available to those from age 17-80. 

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Co-op car insurance policies

Co-op standard car insurance cover

Co-op additional car insurance cover options

What is Co-op car insurance best for?

  • peace of mind

  • if you like the idea of supporting communities as a result of Co-op’s membership fund and charities work

  • if you want to protect your no-claims discount and transfer your company car no-claim discount

  • if you are a Co-op member and want to make use of your exclusive member price

Co-op in the news

When you choose to insure with the Co-op you know that you’re helping us to support communities around the UK through its membership fund and work with charities and groups.

During the pandemic, Co-op Insurance has also worked to support its most vulnerable customers. 

During lockdown the insurer suspended direct debits for a number of its customers and also introduced payment holidays across many of its product lines.

However, as lockdown has eased Co-op warned in late June that motor incidents increased by over a third (35%) as non-essential shops re-opened. As the Government advised people to walk, cycle or drive where possible, Co-op Insurance is anticipating a further surge in road traffic incidents as more people take to the roads with restrictions lifted. 

Nick Ansley, head of motor insurance at Co-op said: “Prior to lockdown, many motorists across the country drove regularly, whether that be to commute, to see friends or family or take day trips. 

“With concerns about public transport and official advice to consider all other forms of transport, such as driving, cycling or walking, it’s clear that even more people are taking to the roads. 

“With this in mind, we’re reminding all road users to take extra care to help keep themselves, others and their communities safe.”

Complaints data

The Financial Ombudsman Service received more than 104 car insurance complaints about Co-operative Insurance Services in the first half of 2020. Co-op accounted for just over 2% of all car insurance complaints but has more than 3% of the market so gets a smaller proportion of complaints than you might expect for its size. To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.

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