Car insurance from the consumer owned Co-operative Group


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About Co-op

 Co-op Insurance was founded in 1867 to provide fire insurance to co-operative societies. It provides home, life, travel, pet, business and car insurance, including breakdown cover and specialised policies for young drivers. 

It’s part of the Co-operative Group, which in addition to its presence in the insurance market, operates a supermarket chain and an e-pharmacy, is the UK’s largest funeral director and provides legal services. It’s a consumer co-operative, which means it’s owned by its 4.6 million members rather than investors and distributes its profits to those members and charities they choose. 

You can become a member of the Co-op for £1, provided you support the values and principles on which the company was founded, including democracy, equality, equity and solidarity. Joining can give you discounts on insurance products, including car insurance.

What types of cover does Co-op car insurance offer?

Co-op offers two types of comprehensive car insurance policies:

  • Standard policy, for drivers aged between 17 and 74. These policies include courtesy car cover, 24-hour accident recovery, key replacement of up to £750 if yours are lost or stolen, and a no claims discount if you’ve gone five or more years without making a claim on your car insurance.
  • Young driver policy, for drivers aged between 17 and 24, which uses a telematics black box—called the Smartbox— to record driving behaviour and offers good drivers lower premiums. Unlike some telematics policies, Co-op young driver’s insurance doesn’t have curfews or mileage limits (although driving late at night or racking up lots of miles can affect your premiums). It can also be trialled with a smart phone app. When you renew your policy for the second time, you may be allowed to go "box-free".

Standard policies include the following cover:

  • Courtesy car cover when an approved repairer fixes your vehicle as part of a claim; doesn’t apply to vehicles written off or stolen and not recovered
  • Replacement keys and locks, up to £750, if your keys are stolen
  • Insurance cover in the European Union, for up to 8 days of in a policy year
  • 24-hour accident recovery service following an accident for which you make a claim 

You can also top up policies with extras, for an additional charge on your premiums:

  • UK and EU breakdown cover through AXA (UK for young driver policies)
  • Motor legal expenses insurance to help you recover uninsured costs following an accident in which you are not at fault
  • Extended EU cover, for up too 90 days (standard policies only)
  • Enhanced courtesy car cover, applying to vehicles written off and stolen in addition to those being repaired following an accident

Why choose Co-op?

  • Perks for Co-op members: Co-op members receive an exclusive, discounted member price and access to a dedicated claims number.
  • Cheaper if you only use your vehicle for pleasure: Co-op car insurance policies automatically cover everyday driving for social, domestic or pleasure purposes. If you commute to work or to transport for work or use your vehicle for business, you’ll need to declare this and might face higher premiums. But drivers who never use their vehicle to get to work can find potentially cheaper car insurance than elsewhere
  • Special offers from other Co-op businesses when you take out a policy, including vouchers for food from Co-op supermarkets.

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