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Car insurance policy types

Let’s find the right car insurance for you

There are three main types of car insurance policies.

These are:

  • third party only
  • third party, fire and theft
  • comprehensive.

Here at Co-op Insurance we only offer comprehensive cover.


Our comprehensive policy will pay out for:

  • damage to someone else’s property
  • any injuries you cause
  • damage caused by fire
  • theft, vandalism or break-ins
  • accidental damage to your own car if you’re involved in a crash.

You should always check each policy carefully to make sure it has everything you need. It can save you a lot of stress to know your insurance will have it covered.

Here are some examples of key features that our comprehensive policy includes:

  • 24-hour accident recovery service - we’ll arrange for your car to be recovered if you can’t safely drive it after an insured accident
  • replacement of stolen keys - if your car keys are stolen, we will arrange and pay for locks to be replaced up to a maximum of £750, unless the keys are left in or on the car whilst it is unoccupied
  • cover while driving abroad throughout the EU and certain associated countries for up to 8 days in any policy year
  • courtesy car - provided as standard whilst yours is being repaired by a Co-op approved repairer following an insured incident.

Get a policy that’s tailored to your needs

 At Co-op Insurance, in addition to our comprehensive cover, we also offer some optional extras.

For example:

  • if you regularly drive in Europe, we can give you Extended Foreign Use cover for anywhere in the European Union
  • if you’re an experienced driver, you might save a lot with our No Claim Discount, which can lower your basic premium by 70% for 5 or more claim free years.

Get a quote online today or ring our helpline for more information on 03457 46 46 46^.

^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.

Motor Breakdown Cover and Accident Recovery Service are provided on behalf of Co-op Insurance by AXA Assistance (U.K.) Limited; 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.