Co op Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through Co op car insurance.

You might already know that Co op offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Co op the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Co op car policy terms and conditions and given our own ratings based on different criteria.

3,0 Safe overall rating for Co op

Our ratingOur opinion
Customer service & satisfaction

Telephone, Email and LIve Chat options are available
1.6/5 based on 182 opinions on TrustPilot
Queries take up to a week to get resolved
No online login option available i.e. policies cannot be reviewed or adjusted online

Cover provided

Misfuelling cover
Keycare cover of up to £750 provided
Only 8 days european cover is provided

Value for money

70% No Claim Discount is given for 5 or more claim free years
A 10% discount is given online to new customers
A discount is given to Co-op members

Financial strength for pay out

Strong financial capability


User experience on the website well thought as the website can be easily navigated
All the information can be found on the home page
Presence of live bot to answer questions
Presence of technological advancements like Black box and online app
Claims cannot be taken out, adjusted and monitored online as there is no online option

Safe rating for Co op

Expert and customer reviews on Co op

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Co op's reputation.

Review organisationConsumer satisfaction rates for Co op
Defaqto expert rating for Co op defaqto 5 stars
TrustPilot1,6/5 based on 182 opinions
Consumer satisfaction rates on reviews for Co op

To check if Co op is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Co op car insurance policy

Co-op Insurance was formed in 1867 to provide cover for co-operative societies and it offers two insurance policies:

  • standard cover that is available for customers aged 17 to 75 (3 stars by Defaqto); and
  • Young Driver insurance for those aged 17 to 24 which uses the black box technology (3 stars by Defaqto).

Both insurance policies only include the comprehensive cover which is not among the highest cover on the market as you will get as standard:

  • courtesy car
  • 8 days european cover
  • £750 keys cover.

However, you can tailor your policy adding extras such as breakdown cover, enhanced courtesy car cover, up to 90 days coverage abroad etc. You can also get up to 70% NCB discount within 5 years without a claim as well as 10% off your first premium when buying online. The insurance company however has a review of 1.6/5 on TrustPilot which is lower than the average review. A lot of complaints were made about the time it took to resolve queries on the website. Apart from this, there is no self service option. All these factors reduce the overall performance of the insurance company.

What does Co op car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Co op?

Car insurance policyAvailable at Co opCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Co op

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Co op explained in details

Let's find out what does Co op covers in its car insurance policy.

Breakdown cover at Co op

Co-op Insurance collaborated with AXA Assistance (UK) Ltd to provide a comprehensive breakdown cover. The breakdown cover offers the following services as standard:

  • full UK and european cover including home assistance
  • swift response in the event of a breakdown. A fee of £20 is paid in the case that there is a delay in response
  • roadside assistance.

Keycare cover at Co op

An amount of £750 is provided for the keycare cover and this is only enforced in the case of theft and if it has been ascertained that the person in possession of the keys knows where the car is and can easily steal it.

Windscreen cover at Co op

Co-op provides £75 for in the event that the windscreen would need replacement, and £15 for windscreen repair

Motor legal protection at Co op

The Motor Legal Protection provided by Co-op offers up to £100,000 of cover for uninsured losses if you’re involved in a motor accident that is not your fault. This amount covers:

  • access to legal counsel
  • 24/7 legal helpline
  • cover for the driver and any named driver on the insurance policy.

Personal policy injury available at Co op

In the case of an accident, and also in the event that within 12 months, the injuries sustained from this accident leads to:

  • death
  • permanent loss of sight
  • permanent loss of limbs.

Co-op offers the injured person (the driver or the spouse) a benefit amount.

Coverage abroad at Co op

Co-op provides European cover for only 8 days in any policy year. If extra time is needed, an extended foreign use cover which allows the driver to travel for up to 90 days on each trip is provided.

Courtesy car at Co op

A courtesy car is provided for 14 days:

  • when the claim has been approved
  • if the driver has a functional driver’s license and is below the age of 86.

A saloon or hatchback car with a petrol or diesel engine capacity of 1800cc is provided.

No-Claim Bonus (NCB) at Co op

70% No Claim Discount for 5 or more claim free years

The no claims bonus is not affected if you’ve claimed for windscreen damage.

At Co op, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Co op car insurance terms and conditions

How much does Co op car insurance cost?

You'll find below indicative car insurance quotes at Co op:

Drivers'ageMonthly premium
18 years old£102,05
40 years old £42,09
60 years old£31,03
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Co op insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Co op?

Co-op offers a 10% discount to new customers. You can also get a £50 Co-op Food Voucher when you buy Co-op Car Insurance.

Discount typesComment
Discounts- A 10% discount is given to new members if you buy it online
- £50 Co-op Food Voucher is given when you buy Co-op Car Insurance
Discounts and cashbacks available at Co op

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Co op car insurance policy summarized


At Co op
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£750
Personal belongings£150
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

14 days

Coverage abroad

8 days

Guarantees at Co op


At Co op
Fire excess£150
Theft excess£150
Accidental damage excess£150
Windscreen replacement excess£25- £75
Young driver excess


Excess at Co op

Admin fees

At Co op
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £15
Cancellation fee if the black box has been installed: £120

Cancellation fees outside cooling off period: £35
Cancellation fee if the black box has been installed: £120

Modification fees

Adjustment fee: £15
Deactivation of LittleBox/Safe Driver hardware charge: £90
Change of vehicle: £90

Admin fees at Co op

Other car insurance policies available at Co op

Co op black-box insurance

The Black Box option that Co-op offers is attached to the Young Driver’s insurance cover and it is more or less a way to promote safe driving. When this insurance plan is activated, a small black box is fitted in the car and it measures data such as car speed, acceleration and breaking, frequency of trips and so on. The following offers are linked to this option:

  • rac breakdown cover which is optional
  • motor legal protection (this is optional)
  • discounts (discounts are offered on the insurance policy depending on how safe the driver is driving
  • no curfew i.e. the black box does not impose a curfew
  • courtesy car.

Co op classic car insurance

With Co-op, no quote or insurance policy is put in place for cars that are more than 30 years old.

Co op short term cover

Temporary car insurance is perfect for drivers that are only planning to drive for a very short period of time. It basically provides a short term insurance which usually lasts between one hour and 28 days in the case of an accident, damage or theft. This can be added to an insurance policy up to 3 times in a year as long as the number of days does not exceed 42.

Co op learner driver car insurance

Insurance is provided for drivers who have provisional licenses and are aged 17 years and above

Co op business car insurance

Co-op’s Business Use Insurance offers cover for most jobs and any driver who uses their car to go to places for an employer. So as a driver, if you have to use your car for things like driving between offices and going to meetings, then you and any named drivers listed on your policy will be covered.

How to contact Co op auto insurance?

Co op phone numbers 

You will find all important phone numbers to contact Co op car insurance:

Contact numberOpening hours

Customer Service

44 345 746 464

Monday – Friday 8am – 8pm
Saturday 8am – 5pm
Sunday 9.00 am – 4pm


03457 46 46 46

Monday – Friday 8am – 8pm
Saturday 8am – 5pm
Sunday 9.00 am – 4pm

Breakdown and accident recovery

0800 092 9069

24 hours a day


03457 46 46 46

Monday – Friday 8am – 8pm
Saturday 8am – 5pm
Sunday 9.00 am – 4pm

Existing Claims

0345 999 8888

Monday – Friday 8:30am – 5pm

New Claims

0345 999 8888

24 hours a day

Contact numbers at Co op

Co op other contact details

You'll find below Co op main contact details:

Contact details of Co op
Email address


Customer account with Co op login

My Account

Social mediaFacebook, Twitter, LinkedIn
Contact details at Co op

You can also contact them by mail by writing to Co op car insurance:

Co-op Car Insurance
Miller St,
M60 0AL,
United Kingdom

How to claim at Co op?

You can make a claim:

  • online by clicking here Online claim form; or
  • by calling the claims department at Co Op: 0345 999 8888.

ServiceCar claim
Claim online

Online claim form

Claim by phone

0345 999 8888

Claim process at Co op

How to cancel your car insurance at Co op?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Co op as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Co op has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You can also write to Co op to cancel your car insurance policy:

Co-op Insurance,
PO Box 67, Mitcheldean, Gloucestershire,
GL17 0ZA

You would need to have various documents ready such as:

Co op could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.