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Car insurance guide

Reliable car insurance for good drivers

Manners matter on the road – that’s why you probably don’t cut up other cars or splash passing pedestrians; because you do the right thing on the road, we make sure we do the right thing with your car insurance.

We won’t make you pay extra for things we think are essential

We’re all about protecting people, so all these things come as standard with our insurance:

  • 70% No Claim Discount, for 5 or more claim free years
  • 24-hour accident recovery service
  • 8 days full policy cover anywhere in the European Union
  • replacement car keys and even locks if your keys are stolen (up to a value of £750) and there's a risk the car may be next (as long as you didn’t leave your keys in or on the car while you were away).

You can still buy optional extras if you want, but we think these things are essential so we won’t charge you extra for them.

If you’re involved in an incident, you can save yourself a lot of stress by knowing your policy has you covered. That’s what we aim for – a comprehensive package that means you don’t have to worry on the road.

Of course that doesn’t mean you can skip reading the documentation. It’s important to know exactly what’s included, and what’s not.

Optional extras for coverage that’s tailored to your needs

You can add these onto your policy when you’re getting a quote, so you can easily keep track of the overall price:

Car Breakdown Cover

So you’ll never be stranded at the side of the road.

Enhanced Courtesy Car cover

This only costs a little extra each month, just in case your car’s stolen and unrecovered or written off. You could get a saloon or hatchback the same size as yours, up to a maximum of 1.8ltrs.

Extended Foreign Use cover

You get the same level of cover in the rest of the EU as you get in the UK (as long as each trip is 90 days or less). It also means you won’t have to let us know every time you and your car leave the country.

Motor Legal Expenses Insurance

You shouldn’t have to pay out of your own pocket for an accident that wasn’t your fault. You can get up to £100,000 of legal fees cover, making it easier to claim reasonable uninsured losses.

How to keep the cost down

Drive safe for a No Claim Discount

We work hard to keep our prices low and we give a 70% No Claim Discount if you’ve not claimed for five or more years. That’s because we want to keep and reward our safest drivers with a big discount, not a token gesture.

If you’re a young driver, get a Smartbox

If you’re a young driver, you’re probably paying the most expensive premiums, just because some young people drive recklessly. So with our Smartbox technology, you can prove you’re a safe driver and get your premiums lowered.

Be honest

When you’re tweaking the details of your policy, don’t be tempted to tell ‘white lies’ to get the cost down – this can invalidate your policy.

If, for example, you say a lower-risk named driver is the main driver when they aren’t, this is an illegal practice known as ‘fronting’, or that a vehicle does fewer miles than it does… It’s fraud and can leave you without insurance if there’s an accident.

Don’t cut back on the essentials

Some people decide to raise the excess or go without an add-on they need, like an Enhanced Courtesy Car. This can lower the price but it could leave you paying out more than you can afford if you’re involved in an accident.

So don’t be tempted by short-term savings if you risk losing far more in the long run.

You need to let us know if we make an incorrect assumption

We have to make some reasonable assumptions when you apply online. Otherwise the process would take far longer than it should. We might assume things like:

  • you’re the main driver of the vehicle
  • you’ve never been refused insurance
  • the vehicle isn’t modified or imported
  • none of the drivers have a disability or medical condition that the DVLA should, but don’t, know about.

Take a few moments to check through the full list of assumptions. If any of them are incorrect for you, give us a call on 03457 46 46 46^ and we can discuss it. We may well be able to insure you – we’ll just need a few more details.

Help that’s close to home

Our sales and service contact centres are in the UK. You can call us on 03457 46 46 46^. We’re here Monday to Friday, 8am to 8pm; Saturdays, 8am to 5pm; and Sundays, 9am to 4pm.

^Call charges

Exclusions and limitations apply, please refer to policy documents for full details.

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.

Motor Breakdown Cover and Accident Recovery Service are provided on behalf of Co-op Insurance by AXA Assistance (UK) Ltd; Registered in England and Wales under company number 02638890. Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (U.K.) Limited is authorised and regulated by the Financial Conduct Authority under register number 439069.

Motor Legal Expenses cover is underwritten by CIS General Insurance Limited, with the legal services provided by Co-op Legal Services, a trading name of Co-operative Legal Services Limited; registered in England and Wales under company number 05671209. Registered office: 1 Angel Square, Manchester M60 0AG. Co-op Legal Services is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. Co-op Legal Services' professional rules are set out in the SRA Code of Conduct. The SRA Handbook, which includes the SRA Code of Conduct, is available online at

Applicants for insurance are subject to normal underwriting criteria.