Co-op Car Insurance comes with lots of great features, and we’ve some useful optional extras that you can add to create a policy that you think is right for you.

What Co-op Car Insurance covers

We offer two different types of cover, comprehensive and third party, fire and theft.

As standard both types of policy cover these sorts of journeys:

  • social
  • domestic
  • pleasure.

You can also add cover for going to and from work or a public transport station and using your car for work, for example driving between different sites or customer addresses.

You can choose the type of cover you need when you buy our insurance online.

Our comprehensive Co‑op Car Insurance policies will:

  • cover costs for damage you cause to other people, their car or other property (also known as third-party liability cover)
  • cover repair costs for your car if it’s worth repairing after it’s been damaged in a crash, even if it’s your fault, a fire, an attempted theft or if it's stolen and recovered
  • pay you the market value of your car if it’s written-off, stolen and not recovered, or destroyed by fire
  • cover windscreen repair or replacement.

These features are also included in comprehensive cover:

  • a courtesy car when one of our approved repairers fixes your car as part of a claim
  • 24-hour accident recovery service if your car needs to be recovered in an accident for which you could make a claim
  • up to 30 days insurance cover in the European Union over the policy year.

Our third party, fire and theft Co‑op Car Insurance policies will:

  • cover costs for damage you cause to other people, their car or other property (also known as third-party liability cover)
  • cover repair costs for your car if it’s worth repairing after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered
  • pay you the market value of your car if it’s written-off due to fire or theft or if it is stolen and not recovered.

What Co-op Car Insurance does not cover

There are certain things our insurance doesn’t cover, these include: 

  • professional driving instruction
  • any journeys made as part of motor trade operations
  • hiring your car to someone else
  • motor racing
  • track days.

View the full list of exclusions in the policy documents.

Add extras to your Co-op Car Insurance policy

You can add extra cover when you buy your policy online. These include:

  • UK and European breakdown cover
  • guaranteed hire car cover, that will get you back on the road if your car is written-off or stolen 
  • motor legal expenses insurance, that can help recover your uninsured expenses when an accident wasn’t your fault.

Find out more about the extras you can choose with Co-op Car Insurance.

Car insurance discounts

There are a number of different discounts available for Co-op Car Insurance including no claim discount, named driver no claim discount and member discount. Find out if you could get a discount.

Make a car insurance claim

If your policy number starts M0048

You can make a claim online or over the phone.

Let us know:

  • your name, address and policy number
  • if any damage was caused or any property was lost
  • if anyone was injured
  • where and when the incident happened
  • the other vehicle’s registration number
  • the other driver’s, name, address, telephone number and insurance details.

We need a Police crime reference number if:

  • your car has been stolen
  • your car has been damaged maliciously
  • the other driver did not stop and give their details.

Windscreen and glass claims

Use the Auto Windscreens website if your windscreen or window glass is damaged.

Auto Windscreens will take care of your claim. You can arrange a time online for the repairer to come.

There’s a £100 excess for replacement with no excess for a repair.

A windscreen or window glass claim will not affect your no claim discount.

If your policy number starts 13100

You can make a claim over the phone by calling 0330 024 8000^ if you are in the UK or +44 1306 747 447^ if you're abroad.

You can also email [email protected].

Let us know:

  • your name, address and policy number
  • if any damage was caused or any property was lost
  • if anyone was injured
  • where and when the incident happened
  • the other vehicle’s registration number
  • the other driver’s, name, address, telephone number and insurance details.

We need a Police crime reference number if:

  • your car has been stolen
  • your car has been damaged maliciously
  • the other driver did not stop and give their details.

Why does my price change at renewal?

Car insurance prices can change at renewal, and the reasons why will be different for everyone.