Co-Op Car Insurance Reviews

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★☆☆☆☆
1.4 / 5
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Co-Op Car Insurance

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★☆☆☆☆

“accedent sold my car to the co.op ?”

Written on: 22/06/2012

well what one can fined when the car as left you. after a accident .the co.op cost me money.there very.good at asking you to give them your car at the lowest price of the market.i was told that my car was a right off. well ok.give me £700.to buy a nuther ROVER ^)) DIESEL. 5 days later a letter arrived.rang the co.op.blue in the faces. at get of the phone.did i do well.bull.at to think what i was told on the phone some days ago. what i was told we will give you 700.sir to buy your self… Read Full Review

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★☆☆☆☆

“insurance con artists”

Written on: 20/06/2012 by Selhurst987 (1 review written)

This company is a disgusting, opportunistic insurance shark that prey on young drivers struggling to find cheap insurance. My brother works hard and doesn't earn much money and this company is now cancelling his insurance because he failed to act upon emails which he was unable to receive (our internet has been down for some time) and which he received no final notifications by post, only the one letter outlining that his contract was to be cancelled. As a result of this, I have contacted… Read Full Review

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Wispa76's Response to Selhurst987's Review

Written on: 19/10/2012

exact same thing happened to us today

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Agentkitty's Response to Selhurst987's Review

Written on: 24/06/2013

The exact same thing happened to my son. He has had problems with his e-mail provider and I only found out that they had cancelled his policy was when I checked my on-line banking account and found that Coop had refunded part of the policy. When I rang to query this the lady on the phone said that they had sent e-mails asking for documentation that had not been received. All well and good if the e-mail connection had been working! I would have thought that if they do not get a response then common sense would prevail and they would send you a letter asking for the documentation within a certain timeframe and then cancel the policy. Most 18 year olds, especially those still living at home, are very naive and most are not really competent at dealing with these sort of issues and I do feel that the Coop has taken full advantage of this. My son now has a car that he can't afford to drive and will have to sell.

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★☆☆☆☆

“Do not use”

Written on: 02/05/2012

I, like many others, didn't think much about my car insurance until i needed to use it. I was not at fault and it was a simple accident in the case of the other driver so therefore no drama in terms of who was at fault etc. Dealing with the co-op has been an absolute nightmare, i was on the phone for six hours (granted broken up by about 20 different calls, with about 40 different members of staff) in two days. Arranging a courtesy car from their recommended dealer, Albany, was also terrible… Read Full Review

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★★☆☆☆

“Cheap but beware changing mid-term”

Written on: 26/04/2012 by KevinReading (1 review written)

I took out car insurance with co-op eco insurance as it was cheap, provided the cover I wanted and was a recognised name. Problem 1. Part way through my policy I changed jobs and needed to add business cover to my policy because I had more than one fixed place of work. They don't cover for business use so I was stuffed. Problem 2. I sold my bog standard Astra and bought a new bog standard Peugeot 207 with 3 months remaining on the policy. Unbelieveably they wouldn't cover the new car on my… Read Full Review

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★☆☆☆☆

“... oh by the way there is yet another fee to pay. Pew!!”

Written on: 15/04/2012

Paid for my policy online after enquiring by phone about it. There I was told that online I can choose whether I want the policy to be sent by email or post. On the entire online process I did not come across this choice so I thought it will be sent anyway by email and post as I would have needed the policy the same day in order to get a tax disk. After completion of the payment process, paying the entire policy amount, I received an email saying that the policy will be sent out within 4 days… Read Full Review

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★★☆☆☆

“terrible customer service”

Written on: 05/03/2012

I was happy with my car insurance quote and went with the Co op last year. They promised 250points on my membership card but I only got 83points!! I was happy with my renewal quote this year until I informed them that I would be driving less miles this year as I have moved closer to work. Silly me, I thought being on the road less would reduce my premium as I am less likely to be involved in an accident but no! Apparently my car is more likely to be stolen as it's outside my house longer so… Read Full Review

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Duvetman's Comment

Written on: 14/05/2012

I cannot agree with you more about there being terrible customer service. Policy now cancelled.

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★☆☆☆☆

“NO INSURANCE REQUIRED”

Written on: 01/03/2012 by lizduffy (1 review written)

I was insured from February 2010 to February 2012 with Co-op Car Insurance. This year I shopped around and decided to go with Saga Car Insurance. I came home today to find a Certificate of Motor Insurance 2012 to 2013 from the Co-op. I didn't request it and I don't want it. The first months payment has been taken from my account and I am told I will have to pay a £20 cancelaation fee - is this legal? Can someone advise me how to get my money back?… Read Full Review

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Guest's Response to lizduffy's Review

Written on: 31/03/2012

cancell your direct debit return the certificate of insurance and send them a copy of your saga insurance cert with a covering letter stating that the insurance should be cancelled from the starting date of saga this is assuming that you told them in the first place not to renew. Retired cis employee

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Guest's Response to lizduffy's Review

Written on: 25/06/2012

Take them to small claims court, I've done it several times with different companies and won every time. You pay £35 but you get this back when you win. They are required to use a lawyer, you don't have to, so it costs them much more to go to court than to settle. You can do this on-line, but make sure you follow the procedures properly such as send in the documents at the correct date, don't delay, and make sure to give them a letter (recorded delivery) saying you will take them to small claims court if they don't get back to you with the refund within 14 days.

If they took the money from a reputable credit card, most credit card companies allow you to bounce any charge you haven't authorised.

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★★★☆☆

“House Insurance - Making Signing up Hardwork”

Written on: 28/02/2012 by TonySomerset (13 reviews written)

House Insurance, Building and Content. Not the cheapest Insurance around, with fairly frugal levels of cover and certainly they make it hardwork to apply. The badpoints: A clunky online website, managed to boot me out without saving my quote. Returning the online quote webpage failed to load. Called the only telephone number I could find. No website help line. No fast-track to a human and had to sit through five minutes of irrelevant explanatory matter before finally got a human to speak to… Read Full Review

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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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