Co-Op Car Insurance Reviews

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Co-Op Car Insurance

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★☆☆☆☆

“NEVER AGAIN!”

Written on: 25/01/2012 by lizzie63 (1 review written)

Awful customer service, tryed to make a claim which i cancelled, the reason someone drove into my parked car, they tryed having my excess fee off me within 2 hours of putting claim in with no idea wether this woman was going to admit to it. so though no fault of my own they wanted me to pay without even looking into the case. i was passed from person to person by them. i had someone answing the phone swearing at me then they tryed to tell me it was nothing to do with them and it was a break… Read Full Review

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★☆☆☆☆

“Beware automatic renewal”

Written on: 21/01/2012

My wife took out a new policy in Jan 2011 over the phone. As she did not have enough money in her account I paid for a years cover on my card. The Co-op kept my card details and took out this years policy from my account without contacting me. This was not mentioned when I spoke to them last year. How can they take money from my account without my permission? (leaving me overdrawn with subsequent overdrawn charges). Trying to resole this over the phone was a waste of time, with their operator… Read Full Review

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Guest's Comment

Written on: 01/03/2012

My husband and I have just found ourselves in a similar situation with Co-op Car Insurance we renewed with Saga and have just received a Certificate Of Motor Insurance from the Co-op when i called to say we had insured with Saga I was told it would cost £20 to cancel £20 TO CANCEL SOMETHING WE DIDN'T ASK FOR IN THE FIRST PLACE!!! is this legal? Can anyone advise me please? I am not happy at all.

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Guest's Comment

Written on: 21/03/2012

Yup, another victim of this blatant insurance industry fraud here. Something really needs to be done about car insurance inertia selling (aka "automatic renewal"). Insurance companies unswervingly try to portray this vile and deceitful practice as being a 'service' to forgetful customers, rather than the reality which is that it is plain old inertia selling fraud.

If you or I tried to use someone else's credit card without explicit consent, we'd quite rightly be arrested for fraud. Insurers who act this way are as big a bunch of scum as those salespeople that dodgy utility companies got caught employing a few years ago: you know, the ones that were heavily fined for mis-selling gas and electricity deals to OAPs, often without obtaining consent. Jack Straw had it right for once: the UK car insurance industry is rotten to the core, not just because of nefarious practices like selling claimants' details onto ambulance chasing companies as he highlighted, but also because of their blatantly illegal commercial practices like inertia selling. I fear it'll take some of the worst individual offenders working for the sales departments of these companies to go to prison for fraud before it will finally stop.

In the meantime, I recommend anyone that's been affected do as I did: recoup any payments taken via your Direct Debit or Credit Card guarantee scheme, then complain to the Financial Ombudsman Service. By making a complaint, you will cost the company involved £500 in arbitration fees, even if they win. Don’t worry about debt collection agencies coming after you or damaging your credit rating: nobody listens to these inertia-selling con artists any more, they are afraid to go to court, and in my case my recouping my money didn’t do me any harm whatsoever credit-wise. I also won my case when I went to the FOS.

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Lizduffy's Comment

Written on: 01/03/2012

I have just found myself in similar circumstance, did you get your money back?
Had I wanted Co-op Car Insurance I would have contacted them. I was insured from 2011 to 2012 surely they cannot continue to take money from my account without my permission?

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★☆☆☆☆

“co-op con”

Written on: 23/12/2011

i changed to co-op insurance because of the price. also when and if i changed my car, they would not charge me £25 admin. i now find this to be untrue. in fact i have been charged twice. for a no service. 9 months now and i am still waiting for my insurance documents. if it was not for the fact that they have had my money for the year. and i see no chance of getting back i would dump them like hot bricks… Read Full Review

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★☆☆☆☆

“Absolutely terrible”

Written on: 19/12/2011

I purchased a Co-operative Young Driver insurance policy in May 2011. They promptly fitted a 'black box' into my car and I was promised that I would receive a proportion of my premium back every three months if I drove well. After my first three months, my score was 5 out of 5, however I hadn't received any money back. They agreed that I was owed £96.49 back and they paid the money back on my credit card. Great! So why the one star review? They admitted in writing that the money was owed… Read Full Review

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★☆☆☆☆

“rubbish service and rude staff”

Written on: 24/11/2011

rude, aggressive staff, charged me for breakdown even though i was fully covered, spent ages on hold for them to get my details on my system they didn't update my details, terrible company… Read Full Review

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★★★★☆

“Not the worst by a long way .”

Written on: 14/10/2011 by Kevo59 (1 review written)

I know most people only leave a review after a claim becomes difficult but this happens with all large companies . I have used co-op insurance for nearly 20 years and have claimed ,cancelled and changed vehicles with very few problems compared to other insurers which I tried for cost saving . The call center is in U.K. and the staff are polite and well trained with supervisers and underwriters on hand if things become complicated .Paperwork comes by post not by e-mail and they always notify any… Read Full Review

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★☆☆☆☆

“website is a joke”

Written on: 05/10/2011 by mardy42 (1 review written)

applied for young drivers' insurance on line - the system took ALL my details, including contact numbers, email address, phone number so they can send me advertising rubbish i dont want and then rejected the quote because of the make of car - they ask the make of car at the outset. i then went on their very poor contacts page and selected 'feedback' which allowed me to write an email. i didnt write the email, i went back and selected 'complaint' and guess what? - you have to write in or call -… Read Full Review

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★☆☆☆☆

“Very bad experience ”

Written on: 27/09/2011 by carlverr (1 review written)

Very poor service. Vehicle was a write off and they will not agree to repay full market value. after many complains they have agreed to a higher pay out but they still refuse to pay for loss of use of a damaged vahicle. it took more than 9 months to sort out a claim and still going… Read Full Review

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★☆☆☆☆

“very horrible experience ever”

Written on: 13/09/2011

i am having car fully comprehensive insurance with co operative.i never seen or experience horrible and bad insurance than this one.i had non faulty accident which opposite party accept his fault straight away after accident happen and its nearly one and half month i have not get any courtsey car from them or i have not received any money yet so i am having so much problems because of i have choose co operative insurance which i am regreting a lot i strongly advice people to go for good name… Read Full Review

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★☆☆☆☆

“They just won't write or talk to me!”

Written on: 13/09/2011

Someone ran into the back of me. Made my first ever claim. Had to pay repairer the £100 excess plus another £100 excess that I didn't know about or agree to. Their agents wanted an open credit or debit card before I could have a hire car for the period of repair. Letters of complaint are ignored. Letters to the CEO are ignored, emails are ignored. They advertise that they are… Read Full Review

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★☆☆☆☆

“NASTY BUNCH OF GUYS!!!”

Written on: 09/09/2011 by anonymousdevon (1 review written)

My car has been deemed a complete write off because of an accident which involved a double collision not my fault. The moronic garage 'Accidental Bodyworks' based in Exeter have claimed it is a total write off because it is dented at the back but in my opinion is still ok to drive. They evaluated that the repairs are over £1600 (What a con)! Cooperative Insurance therefore deemed it a total loss and provided me with a hire vehicle, they intimated was going to be paid by the third party… Read Full Review

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★☆☆☆☆

“LIARS”

Written on: 04/08/2011 by liniute_lina (1 review written)

they were trying automaticaly to deduct car insurance for £548 for new year but i called them before they done it to stop them, as i switch to another insurer.they promised not to do it.and after couple days they done it anyway. after that they charge me £23 on the top of that for cancelation. i called them and explained situation and they ''promised'' refund and NO CHARGE for canceling(probably just to getrid of me ASAP). i got my refund but they still charged me what i've been promised NOT… Read Full Review

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★☆☆☆☆

“Co-op biggest rogues in the insurance business”

Written on: 30/07/2011

All insurance companies are interested in is getting your money, then when it comes round to making a genuine claim they find some feeble excuse so as not to pay out, and the Co-op are THE WORST at this game. It's the same with their house and building insurance policies, totally worthless. Fifty years ago the Co-op was a reputable company to deal with, now it is run by rogues. The reason their premiums are so low is because they never pay out, they would rather make some lame feeble excuse. I… Read Full Review

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★★★★★

“really good very respect company. we had claim they...”

Written on: 07/07/2011 by jeyaruban.t (1 review written)

really good company. we had claim they paid full money. and very quick please don`t complain… Read Full Review

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★☆☆☆☆

“Change of vehicle”

Written on: 06/07/2011

Changed my vehicle 2 months into my policy from 1.4 Kangoo to 1.6diesel CMax I was paying around £220 in instalments.They wanted £90 extra for the CMax plus a policy change fee which I thought was extortionate as the cars are basically the same group.When I asked about cancelling the policy I was told this would cost me around £90 pounds plus a change fee, .Robbery!! I still have my policy with them but never again. If this happened on the High Street it would be called… Read Full Review

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★☆☆☆☆

“worse car insurance Company”

Written on: 28/06/2011

Honestly I was already forwarned about them but i didnt listen. Their price quote my be interesting but i hope you never had to claim should it be any problem with the Car. My car was stolen and they denied my claim for silly reason. when they interview over the phone, they treat you like your making a faulse claim..it almost like they insinuate that you are scamming...very rude and unfriendly... … Read Full Review

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★★★★☆

“Nearly always the cheapest on the price comparison sites.”

Written on: 09/06/2011 by jonathan kelly (110 reviews written)

I am now in my fifth year with Co-Op car insurance. My premium was originally £340 now it is £600 five years later even though with four years no claims bonus which is supposed to be worth some kind of discount. This price is still the cheapest on the comparision web sites. In January I was quoted £250 but when I went to get the policy six weeks later it had gone. That was with Saga they wanted £800 when they requoted me. The CO OP quoted me £280 in January and £600 six weeks later… Read Full Review

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★☆☆☆☆

“Great at taking your premiums but when you have a...”

Written on: 24/05/2011

Great at taking your premiums but when you have a claim they're totally disinterested. Never phone you back - you have to keep chasing them - and after going through the endless "your call is important to us".
I reckon their philosophy is 'ignore them and they'll go away'
worst company I've dealt with in 45 years!!… Read Full Review

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Guest's Comment

Written on: 22/06/2011

I had non fault claim with co operative. Refuse to return my excess £ 250.00. Legal team already closed case for liable by other driver.But, no money back. Scam !
Phone line did not pick up for more than 15 minutes.It will cost you up to £ 5.00 for one talk.No reply letter. No reply e.mail. Worst customer care ever.

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★☆☆☆☆

“Never never go near this company I did a quote online...”

Written on: 20/05/2011

Never never go near this company I did a quote online and then spoke to advisor who when trying to finalise payment type clicked on full payment when I wished monthlt instalments I did not even take the cover out and they took money out of my card immediately I was on the phone for 3HOURS and their customer services was appalling no team leader or manager would speak to me and have had to contact my bank to enquire what to do about payment being returned into my ACCOUNT. The bank gave me… Read Full Review

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★☆☆☆☆

“I truly cannot believe how awful Co Operative car...”

Written on: 10/05/2011 by Belle16 (99 reviews written)

I truly cannot believe how awful Co Operative car insurance are as a company. Having seen their adverts and promise of great customer service, I really thought they'd be a great company to insure with. Completely wrong!

I have never, ever had such hassle and stress with an insurance company before. The customer service of their staff is terrible and I have had numerous heated telephone calls with staff who refuse to listen and just talk over you.

Staff also give conflicting information and… Read Full Review

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Belle16's Response to Belle16's Review

Written on: 10/05/2011

Also forgot to add that we were told we could change the direct debit date for the policy but to do so would incur an extra charge due to the crossover of dates and outstanding amount, so the policy went up. We were then told a few weeks later that actually we could not change the DD date afterall, but they have still charged us extra for doing so, and the higher policy rate remains out monthly direct debit amount! Complete con artists!!

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