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Fees & Charges

Cancellation fees

If you find that the product isn’t for you, the option to cancel is always available.

If you wish to cancel your policy within 14 days of its start date we will return the full premium you have paid less a pro-rata charge for the amount of time you were on cover.

If you wish to cancel beyond 14 days but before the first renewal date of the policy then a flat £50.00 fee will apply in addition to the pro-rata charge for the time you were on cover.

Once the policy has passed its first renewal date, if you wish to cancel mid-term, you will be charged pro-rata for the time you were on cover only.

For policies taken out before February 2008 our short period rates will apply, details of which can be found in your policy booklet.

Charges for duplicate documents and making changes to your policy

Whether you've bought your new car or you’re adding someone onto your policy, give us a call and we’ll make the change quick and easy.

To cover the cost and to keep the overall prices of our policies down, we’ll charge you a £15 administration fee.

Here are a few examples of changes that carry the administration fee:

  • change of vehicle
  • add/remove drivers
  • change of cover
  • temporary additional driver/vehicle
  • duplicate documents
  • a copy of your motor insurance certificate.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.