Co-Op Car Insurance Reviews
Latest Reviews
★☆☆☆☆
“Too many fees.”
Written on: 23/04/2013 by ivantashev (1 review written)
I am with co-op for the last 1.5 years and whatever I change they put the price up. Started from £55.00 per month and paying now £117.00 after changing the address twice and adding/removing second driver. Also they have £15.00 change policy fee, and £35.00 cancellation fee. They don't have any online account services and I need to phone every time. Checked with other companies and they are offering around £35.00 per month. Cancelling my policy tomorrow... (read more)
★☆☆☆☆
“POOR CUSTOMER SERVICE”
Written on: 12/04/2013
I have several insurances with the Coop and a bank account. I am also a Coop member. Received my 2013 car renewal which was much more than I was expecting. Checked with online comparison sites and the Coop renewal was £60 more than the likes of Aviva, Saga, M&S and DL for identical cover. Rang the Coop. Waited 10 mins for an agent, went through all the security questions, had to be put on hold and transferred. After 5 mins waiting I was cut off. Rang again one hour later and held in... (read more)
★☆☆☆☆
“CO-Op theworst insurance company of all time,-don't...”
Written on: 03/04/2013 by cretin
Appalling. Having all the documentation ready for the Black box fitter which included both licences for the additional drivers on my policy, these were not looked at . This despite being offered both at the time. Some weeks later I received a threatening e -mail stating that they had withdrawn the details of the additional drivers, without giving a reason and at the same time stated they would take a further £448 from my account. No other useful information was included, such as why they... (read more)
★☆☆☆☆
“robbing plebs. Expect terrible stress when claiming!!!”
Written on: 26/03/2013
Happily and loyaly paid my premiums for over a year. Car broken into recently. Wing kicked in, locks knackered to get my sat nav by some dirty chav no doubt. Called co op and then the problems started. They Sent claim forms for a car accident instead of theft. Took car from my home without telling me where it was going or for how long. No contact from co op or auto restore garage. Stuck with garage being 'assessed' for three days now no closer to being fixed. Co op dragging their feet... (read more)
★☆☆☆☆
“total rip off do not go anywhere near this company ”
Written on: 26/03/2013 by sweet123456
My son wrote my car off which was only insured for 17 days they cancelled the policy then tried to say i did they then sent me a bill for the remaining year which then we lost 2500 so please read the small print do not go anywhere near this company shocking (read more)
★☆☆☆☆
“No Claims Discount Trick”
Written on: 26/03/2013 by DeannaN
Have received a letter telling me that because my 3 years No Claims Discount wasn't with the Cooperative and now my car insurance is now going to be about 40% more expensive! The on line question asked me how many years no claims I had, it didn't say 'with the Coop'. I'd filled a few on line forms and this question didn't vary from one company to another. So I had no idea. I'm so disappointed with them. One of the reasons I had been happy to go with them was because of their 'ethical'... (read more)
Td76's Response to DeannaN's Review
Written on: 19/04/2013
Agreed. Had same problem been going on for over a month them saying the proof was not good enough blah blah blah. Called them this morning and got THEM to call my old insurance company to confirm how many years no claims finally got it sorted out. I have never had this problem with any other insurance company. And there customer service is really bad, only spoke to one helpful person there the rest well.
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★☆☆☆☆
“try not to claim after 20:00”
Written on: 25/03/2013
accident left my car unsecure @ 19:12,could not close passenger front side door.was able to drive car back to home address,phoned claims line,was told you will have to ring back in the morning when claims opens,as now all we can do is process the claim,did not want to know about car being unsecure.after countless times being put on hold,and being put through to somebody else,still told to ring back in the morning to sort out. at 21:10 losing the will to live, eventually get through to axa... (read more)
★☆☆☆☆
“Cheap cover BUT pathetic service”
Written on: 14/03/2013
Have been with them for two years and they provide cheap cover but in the event of making a claim they were PATHETIC!!! Further to a no fault accident they failed to contact 3 independent witness, failed to keep me updated with claim progress and failed to pursue clear and straightforward recovery from third party. Automated call centre takes ages to connect and each time you call have to explain the whole saga over and over again. They promise to chase things up and get back to you, but... (read more)
★★★★★
“best so far”
Written on: 14/03/2013
Went on go compare website in November 2012(current insurance expiring 6 dec) got really cheap quote for fully comp.still shopped around but went back to C0-OP rang them up paid the deposit registered online got my insurance document and policy info downloaded THE SAME DAY.. absolutely first class service so far... ok i've made no changes,made no claim, so no hassle yet.... but be assured the first sign of that and i'm gone even if i have to change my bank card details so they cant take... (read more)
★☆☆☆☆
“Won't insure my Saab!”
Written on: 06/03/2013 by lizterry (2 reviews written)
Have been with Co-operative Insurance for several years and was always happy with how they handled my claims. However, they have today refused to insure my new 2007 Saab. They claim that this is because Saab recently went into receivership so they are no longer providing insurance for their cars. I think this is outrageous! Saabs are known to be very reliable, and it's to be expected that several models will be on the road for some years to come. Refusing to insure them is just... (read more)
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Showing 1 - 10 of 111 Reviews
★☆☆☆☆
“total rip off”
Written on: 01/03/2013
having had a small accident and then insured with axa insurance i then went to kwik fit insurance (no problems),i decided to insure with co-operatice insurance the year later as they offered a cheaper deal. after a week or 2 my insurance was cancelled and they said I had given them the wrong information. the information i gave them was the information i was given from axa and kwik fit (including no claims bonus). To get car insurance is extremely expensive now due to co-operative insurance ... (read more)
Maccy70's Comment
Written on: 01/05/2013
welcome to my world.... customer service up the creek and have tried to void the policy 3 times through different brokers.all ways they know nothing
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★☆☆☆☆
“System to drive customers insane”
Written on: 01/03/2013 by DFman (10 reviews written)
These guys are hopeless, designing a system to drive you insane. Started on the web site for car insurance, lots of detail onto the system -outcome no quote allowed, you will have to phone. Ages then listening to annoying messages, being passed around, all the same detail tortuously repeated and recorded, scripts read – then the phone goes dead. I ring back – all details have been erased by the idiot operator and you have the pleasure of starting over again for the third time. Want to... (read more)
★☆☆☆☆
“PATHETIC CUSTOMER SERVICE”
Written on: 19/02/2013
If you wan't to be driven to dementia then this company will do the job. Any attempt to contact them by phone is painful. Firstly there is the long long wait for your call to be transferred from an inane automated system which keeps you on hold on a rip off 0845 number. Then there is the intelligence insulting speel you have to listen to from the operator who must go through every attempt to sell you extras you do not want or need. In the event of you having an accident and making a claim... (read more)
★☆☆☆☆
“do not under any circumstance use this company, they...”
Written on: 11/02/2013 by sharonb70
do not under any circumstance use this company, they are a rip off and will cancel your insurance without telling you this is not a good company (read more)
★☆☆☆☆
“40 Years of Insurance”
Written on: 17/01/2013
Where do I start. 40 years of Insurance and never have I had such a bad experience. First they made an error with my car details, so insured a car under my name that wasn't mine! This was only apparent once I saw the document! Charged twice for 1 policy. When I contested it they could not figure out what went wrong, even though I explained it to 3 different people. Finally I wrote a 3 page letter detailing each and every part of the phone conversations and where their errors were. 3... (read more)
★★★★★
“Never had any problems ”
Written on: 11/01/2013
I've been with the Co-op for car insurance for two years now and I have never had any problems with them. I'm actually surprised to read all the reviews below and wonder if the complainants realise that many of their 'issues' are either their own fault or something that is common with all car insurers? I can't believe anyone would complain that they have been charged to end a contract they signed early or that they had to pay the excess they signed up to and was clearly stated in their... (read more)
Maccy70's Comment
Written on: 01/05/2013
have an accident then talk, or better yet try to convince them your wife is a woman....6 registered letter and a voided policy.so far you have been lucky don't ride it to long
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★☆☆☆☆
“Rip off - Don't use!!!!!!!!!!!”
Written on: 15/11/2012 by rshaw
Their only point of contact (No e-mail or direct dial number is ever quoted on correspondence) is a premium rate number. They cancelled my policy 3 times after requesting copies of v6/ drivers licence which I returned in their prepaid 2nd class envelope. They subsequently claim not to have received it!!! £670 cash paid upfront and received refund of £230 after policy had run 12 weeks!!! Do not go any where near them. Scam re. phones cancellation fees. (read more)
★☆☆☆☆
“Rip off”
Written on: 26/10/2012 by ham456
I had my car insured with them for last 3 months, when i called them to cancel the policy they charged me 70% on rest whole year premium..... cant imagin. i have been using different insurance companies over past few years but no one has ever done this. (read more)
Adamohio's Response to ham456's Review
Written on: 27/10/2012
I have used Cooperative car insurance and they really do rip people of. Believe me because I am a customer just like you. They charge you unnecessary fines which can be resolved through questioning and answering. Also their customers service people/ installation works are very rude and not committed to help you. As well as, considering they do not take your views (complaints) into account. Maybe one day Cooperative will get their act together but for now I will look elsewhere, somewhere cheaper and preferably reliable.
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★☆☆☆☆
“Apalling communication”
Written on: 19/10/2012 by fred1968
Repeated demands for documentation already supplied, threats of large additional charges, no response to emails. However cheap not worth the hassle. MS (read more)
Adamohio's Response to fred1968's Review
Written on: 27/10/2012
I agree I have had the same scenarios put in front of me many times asking for huge amounts of money for no understandable reason. Also they are not the cheapest.
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Sandy27's reply to Adamohio's Comment
Written on: 05/01/2013
can you suggest whos cheaper?
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★☆☆☆☆
“Never ever use!!! Rip off”
Written on: 08/10/2012
Bought my car insurance on a ford KA I was a named driver on my dads insurance, before taking out the policy we rang co op and explained the main insurer didn't have his photo I.d driving license because he had lost it, the co op said that's fine we only need to see car documents as we can check on dvla about license,,, so I payed £300 deposit on the 5th august and then £70 a month which was very cheap!! Got a message of them on my dashboard 3 weeks later saying they are cancelling my... (read more)
Sandy27's Comment
Written on: 08/10/2012
You mean Their. Not there. You've done this mistake twice in your text. To be taken seriously these things are important.
However I must say the exact same thing happened to us, so people beware.
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Gtav's Comment
Written on: 27/11/2012
There is supposed to be a comma after ''However'', do you expect us to take you seriously?
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Sandy27's Comment
Written on: 09/12/2012
mmm.. 'splitting hairs' springs to mind. Good to see you have use the 'there' in the correct way in your reply.
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Showing 11 - 20 of 111 Reviews
★★☆☆☆
“never use co-operative”
Written on: 26/09/2012 by samjoxx (1 review written)
just got a 50 pound charge for trying to take 2 payments in one mouth , the frist year i was with them it was great , the second year i was with them i had touble getting my renewal pack . so was unable to take my car . this year i get no renewal letters or anything they tried to take money out of my bank and i still have not got my renewal pack and i need to tax my car again , but still taking payments out of my bank . rang up customer ser and that was a waste of time... (read more)
★☆☆☆☆
“Do not insure with these idiots! It has cost me my car...”
Written on: 20/09/2012
Do not insure with these idiots! It has cost me my car after the dumb f$%ks stopped my insurance for no reason but still kept taking payments. I got stopped by the police for no insurance. Now i have no car posable points and conviction. They admit they are in the wrong but will do nothing about it. Theives! (read more)
Samjoxx's Comment
Written on: 26/09/2012
DO NOT USE , just cost me 50 pound for tryingto take two payments in one mouth ,because of changed the way they take money out of my bank with out telling me . the first year i was with them its great ... but the second year i have touble getting my renewal pack . and this year no renewal pack and a 50 charge , so please please DO NOT USE
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Adamohio's Comment
Written on: 27/10/2012
Continuous threats made to the public that they will stop the insurance...... Excuse me but did we not use MONEY to pay for the insurance in the first place?
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Maccy70's Comment
Written on: 01/05/2013
they some how ended up as my insurance again when i went through the aa now on the 1st of may i get a letter saying i haven't been insured since the 20 of april for thier mistake as they voided my policy. thank god i wasn't stopped but now how do i get to work. don't go through insurance brokers unless they specify which insurance they are going to have.co op will do anything to stich you that they can.phone calls to their number has cost me over 85 pounds and guess what nothing sorted and i am still un insured...avoid like the plague
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★☆☆☆☆
“Named Drivers Discount - DOES NOT APPLY TO OLDER CARS”
Written on: 09/09/2012
Avoid this bunch of "ethical" cowboys. We paid £1200 for the privilege of insuring our 18-year old son on our policy, so that he could have 1 years discount (50%) before insuring his own car. Point 1 - the discount only applies from the 19th birthday, so we had to insure for 16 months; Point 2 - when he tried to insure a P-reg car (1996), the Co-Op refused to insure the car as it was "over 15 years old". This is despite the website stating they will insure cars up to 30 years old. ... (read more)
★☆☆☆☆
“Co op young driver insurance, smartbox damaged ECU!!!”
Written on: 25/08/2012 by NObby69
Bought there young drivers insurance and booksd a date for the smartbox to be fitted, the date came and had a phone call saying the the engineer was ill and tht the woman would ring me back with a another date for it to be fitted, anyway time went on and i forgot about it till i recieved a email saying my insurance was going up as i had POOR driving even though i didnt have a box fitted, i rang them up and asked why and she said you have been driving eraticlly, i said how do you know that,... (read more)
Badadosth's Response to NObby69's Review
Written on: 03/09/2012
as a new policy holder . can i have ur contact details e mail idd or any please... thomas from southampton
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Satnavgirl's Response to NObby69's Review
Written on: 12/11/2012
We also had problems in that the smart box apparently kept sending out alerts to the company, they contacted us and said had we been tampering with it. We had NOT. An engineer came and said he had no idea how it could have been working as it was wired in wrongly. Next quarter my son's premium was increased because his driving had 'deteriorated'. Argh.
NOTE - if you change car they'll charge you to move the smart box. If you simply don't renew they de-activate it at no cost. Derrr. Read all the small print VERY carefully!!!
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★☆☆☆☆
“Stay away and save yourself lots of stress ”
Written on: 19/08/2012
Stay away and save yourself lots of stress. I thought co-op was a brand you could trust but its not the case. (read more)
★☆☆☆☆
“Cancellation fee of £400?!!!”
Written on: 17/08/2012
Make sure you read the ever so small fine print on any contract with Co-Op. My sister had to sell her car due to moving; when she tried to cancel the insurance (paid up front of a year) and claim back the outstanding amount she was informed that her cancellation fee was £450 and the refund was £400, so she owed them £50 for cancelling the insurance. She had no choice but to leave the insurance in place on a car that she no longer even owned. A complete and utter rip off. Avoid, avoid. (read more)
★☆☆☆☆
“A joke!!!”
Written on: 17/08/2012 by eve2010
Make sure if you are under 25 that you dont have a accident with this insurance company as there is and automatic excess of £200 plus the £100 standard plus your voluntary excess.. They do not put this at point of sale and i was an unlucky 1 to have to find that out the hard way.. It isnt until u access you cover note online until you find out about this extra charge. Also for any accidents they do not take speed or the use of driving whilst on a mobile phone into consideration so beware!!!!!! (read more)
★☆☆☆☆
“Co-Op Young drivers insurance Rip-Off.”
Written on: 03/08/2012
If you are considering taking out Young drivers Ins with the Co-Op please be awareof the following. You pay the initial premium,then depending on your dashboard score,you may be payed back money on on good safe driving,or be charged more money for poor driving, or stay the same with standard driving.Sounds fine so far,howevever should you for any reason not be driving the car, eg. car of the road for repairs,go away on holiday,stop commuting to and from work,or decide you will use other... (read more)
Adamohio's Comment
Written on: 27/10/2012
That is totally understandable but Coop are mentally unable to see logic.
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★☆☆☆☆
“Take your money very quickly,sort out problemsvery slowly!”
Written on: 23/07/2012 by Fedupwithco-op
Customer Services at this company are rubbish when it comes to anything other than taking money from you. Fob you off with (come back to you) over and over again, but they dont.My grandson has spent over £290and we cant get a simple answer to a couple of questions from them. Thought it was good idea at the time,safety and all,wish we had used one of the other company's that offer similar scheme and are rated far higher than 1.5 stars out of 5. Say's it all really! Would have reccommended 2... (read more)
Guest's Response to Fedupwithco-op's Review
Written on: 24/07/2012
woow I jut bought car insurance from co operative and just after I paid £903 for my year insurance they say is no co operative but any ecoinsurence insurance co operative is just label ??? so hopefully I will ok I see your bar experience so now I am confused even more....
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Guest's Response to Fedupwithco-op's Review
Written on: 27/07/2012
Update to"Take your money very quickly,.......
The cost of ins should read £2900, still no joy 2weeks been waiting ,each time I ring get fobbed of with all sorts of exuses but no answers,was told yesterday by someone who installs smartbox, that Customer Services
are a contracted Call Centre not CIS. and everyone complains about them to him.
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Adamohio's Response to Fedupwithco-op's Review
Written on: 27/10/2012
Thats because their customer service works do not want to help. All their waiting for is there next tea break and commission on how much money they could con everyday.
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Maccy70's reply to Adamohio's Comment
Written on: 01/05/2013
there is the truth
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★☆☆☆☆
“Never use this company for any thing”
Written on: 20/07/2012
I have call them to get any update regarding any claim and they do nothing except doing fake promise. Never Never Never go for this company (read more)
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Showing 21 - 30 of 111 Reviews
★☆☆☆☆
“LET ME SPEAK TO A HUMAN ”
Written on: 08/07/2012
granted once you actually get a human being on the other end of the phone "some" can be rather helpful and actually try and sort your query out for you. But getting through to these people is more or less impossible as there are way to many hurdles to get through first (automated options) in the end i just press any random number on my phone to get through to someone and they pass me to the department i need to be at, im sure everyone does this. yes they are designed to filter people to... (read more)
★☆☆☆☆
“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 more)
★☆☆☆☆
“insurance con artists”
Written on: 20/06/2012 by Selhurst987
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... (read more)
Wispa76's Response to Selhurst987's Review
Written on: 19/10/2012
exact same thing happened to us today
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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 more)
★★☆☆☆
“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 more)
★☆☆☆☆
“... 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... (read more)
★★☆☆☆
“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 more)
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 more)
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... (read more)
★☆☆☆☆
“NEVER AGAIN!”
Written on: 25/01/2012 by lizzie63
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 more)
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Showing 31 - 40 of 111 Reviews
★☆☆☆☆
“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... (read more)
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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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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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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★☆☆☆☆
“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 more)
★☆☆☆☆
“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 more)
★☆☆☆☆
“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 more)
★★★★☆
“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... (read more)
★☆☆☆☆
“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 more)
★☆☆☆☆
“Very bad experience ”
Written on: 27/09/2011 by carlverr
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 more)
★☆☆☆☆
“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 more)
★☆☆☆☆
“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 more)
★☆☆☆☆
“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 more)
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Bexster's Response to DeannaN's Review
Written on: 03/04/2013
We are having the exact same problem at this mo,we filled in saying we have got no claims on another vehicle and were told that was ok and to just send our no claims discount proof but because we not sent it in time theyve now put what was a good quote upto an absolutly rediculous quote which we have go to pay and if we did want to leave then would have pay a massive sum,please nobody take car insurance out with these they are VERY INADEQUATE.And riddled with problems.