Co op Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Co op is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Co op home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Co op the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Co op’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,6 Safe overall rating for Co op

Safe ratingOur opinion
Customer service & satisfaction
and claims

 Manu helplines for customers
Only one level of cover rated 3 stars by Defaqto
Poor customers reviews

Cover provided for your home

Average contents insurance compensation limits
Standard excess of £50 (but possibility to pay higher excess)
Only £500 000 maximum sum insured limit for building insurance

Value for money

20% discount when buying online
No adjustments, cancellation fees
Guarantee of 30% NCD if no claim within the last 12 months
Very affordable rates: 10% of customers paid £78 or less in 2017
Charges on monthly payments

Financial strength

Underwritten by Co-op insurance, trading name of CIS General Insurance Limited, regulated by FCA

Technology

Customer portal available
Claim form online
Customer service email for claims available
No livechat option
No quotes online for houses with more than 5 bedrooms, or higher than 3 storeys

Safe rating for Co op home insurance

Expert and customer satisfaction reviews for Co op home insurance

Review organisationCo op home insurance reviews

Defaqto expert
defaqto 3 stars 1
Reviews3,7/5 based on 280 customers reviews
Overall Which? Score

69%

Consumer satisfaction rates on reviews for Co op home insurance

Our general opinion on Co op home insurance

Co-op insurance provides one level of cover for home, rated 3 stars by Defaqto, which means that the company’s plan rank among policies providing average features and benefits. It also explains why Co-op home insurance rates are very affordable. You can also choose to pay a higher excess which will make your premium even lower.
The offer is clearly stated on the website.

You can insure up to £500K for building insurance, and £80K for contents insurance.
Co-op will provide up to £50K alternative accommodation compensation in case your home is damaged.
Home emergency and accidental damage are available as optional extras. Legal expense cover is included as standard.

The Co-op home insurance will suit people with no particular needs for insuring high value home and contents.

What does Co op home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Co op will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Co op covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Co op buildings and contents insurance

Co op provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Co op building insuranceLimits
Maximum sum insured

£500 000

Owner liability

£2 000 000

Alternative emergency accomodation

£50 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£500 theft – £200 loss

Flood and storm damage (except for fences)

As standard

Co op building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£80 000

Owner liability

£2 000 000

Alternative emergency accomodation

£16 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£500

Contents kept in outbuildings (garage included)

£80 000

Thefts from outbuildings

£2 000

Single item limit for valuables

£2 000

Items temporarily removed from home

£16 000

Money in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

£500 theft – £200 loss

Co op contents insurance

Co op home insurance additional cover

On top of your Co op buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £250 limit per call out
  • Up to £100 limit for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £250 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Included as standard
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £17 500 for personal possessions cover at home
  • Up to £5 000 for single item limit away from home
  • Up to £17 500 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £250 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £2 500 limit

Co op home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£50
Excess for escape water claims£250
Excess for subsidence claims£1 000
Excess for personal possessions£50
Excess for keys£50
Co op home insurance main excess

Co op home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Co op fees are as follows:

Fees applied to manage your Co ophouse policy
Interests on payment installments15,40%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to Co opNot covered
Home insurance fees at Co op

How much does Co op home insurance cost?

You will below indicative quotes for building and contents insurance at Co op:

Building insuranceContents insurance
Excess£50£50
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£177,17£347,64
Home insurance quotes at Co op

It is very difficult to give a precise range of how much exactly will your home insurance cost at Co op as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Co op will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Co op home insurance discounts available

  • No discounts for buying combined policy
  • 20% discount on your home insurance premiums when buying online.

How do I a claim on Co op home insurance?

At Co-op insurance, you can make a claim, either by calling the claim management team, by email, or by clicking the claim online form as mentioned below.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Co op home insurance?
Claim by email[email protected]
Claim online

Claim form

Claim by phone

0345 999 8888
Mon – Fri: 9am – 5pm

How to claim on my home insurance at Co op

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Co op house insurance?

To cancel your Co op house insurance, here is what you need to know: 

Cancelling your home insurance at Co op
Cancellation notice if Co op cancel your policy7 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

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

Cancel by phone

0345 999 8888 Monday 9am – 5pm

How to cancel my Co op home insurance

How to contact Co op home insurance?

ServicesPhone numbersOpening hours
Claims

0345 999 8888

Mon – Fri: 9am – 5pm

Quote

03457 46 46 46

Mon – Fri: 9am – 6pm
Sat: 9am – 4pm
Sun: 10am – 2pm

Policy cancellation

03457 46 46 46

Mon – Fri: 9am – 6pm
Sat: 9am – 4pm
Sun: 10am – 2pm

Policy renewal

0345 600 2918

Mon – Fri: 9am – 6pm
Sat: 9am – 4pm
Sun: 10am – 2pm

Complaints

03457 46 46 46

Mon – Fri: 9am – 6pm
Sat: 9am – 4pm
Sun: 10am – 2pm

How to contact Co op home insurance

Co op home insurance contact details

Co op contact details
Co op address

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

Customer service email

[email protected]

Chatbot available

Not available

Co op contact details

How do I log in to Co op customer portal?

You can log in to your customer portal on the website to manage and update your documents.
The customer portal is accessible here:
https://ecoinsurance.insure-systems.co.uk/SelfService/Security/Login/LoginRegister

How do I get Co op home insurance quotes? 

To get a quote online at Co op, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Co op is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Co op home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Co op house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.