You will not receive vouchers if you cancel within:
- 30 days (car, home, and pet insurance)
- 4 months (life insurance).
No. We won’t re-issue vouchers that have been lost.
Yes, you can give them to someone else if you don’t think you’ll use them.
Check the expiry dates have not expired before you give the vouchers away.
The UK government imposes insurance premium tax (IPT) on insurance premiums.
There are two different IPT rates:
- a standard rate applies to most of our insurance products, and also medical insurance
- a higher rate applies to:
- travel insurance
- insurance of electrical or mechanical appliances
- certain categories of vehicle insurance
No IPT applies to most long-term life and health insurance.
For further information on IPT visit the gov.uk website.
Yes. Tell us about the footage when you make a claim and we'll let you know how to send it to us.
Yes. The food vouchers are valid for three months. You’ll find the expiry date on the voucher.
The stores will not accept the voucher after the expiry date.
We will not re-issue vouchers that have expired.
It may be one of these reasons:
- the vouchers had expired (check the date)
- the store was not a Co-op Group store, or a participating independent cooperative.
You may nominate someone to deal with policy enquiries and transactions. They will not be able to do any of the following for you:
- take out a new policy or cancel your existing one
- change your address or bank details
- add third-party access for someone else.
We will need your nominee's full name; full address; and date of birth, so we can authenticate them. We also need them to confirm your details.
Please send all correspondence to:
Home insurance: Co-op Insurance, PO Box 5508, Miller Street, Manchester, M61 0PN.
Car insurance including Ecoinsurance: Co-op Insurance, PO Box 67, Mitcheldean, Gloucestershire, GL17 0ZA.
- Use our online chat feature.
- BT’s Text Relay. To use this service dial 18001 46 46 46^.
- Write to us at:
Home insurance: Co-op Insurance, PO Box 5508, Miller Street, Manchester M61 0PN.
Car insurance: Co-op Insurance, PO Box 67, Mitcheldean, Gloucestershire GL17 0ZA.
Make sure you:
- sign the letter yourself
- include your policy number.
Refunds will be paid to the credit or debit card used to either:
- make your annual payment
- pay your deposit for direct debit payment.
Yes, you can buy life insurance from Co-op.
We offer flexible policies to help with your family’s financial security if you’re no longer around.
Already got a Co-op life or health policy?
Royal London Group now looks after all Co-op life and health policies bought before 2019.
Visit the Royal London website to find out more.
You can set up a direct debit in another person's name, or pay using their debit or credit card over the phone, if they:
- are present
- give their permission.
We sometimes use promotional codes for marketing campaigns and promotions.
You don’t need a code to receive online discounts and offers. We apply those automatically when you get your quote online.
We understand that it’s a difficult time when someone dies. You’ll need to let us know if one of our policyholders has died.
When you’re ready, get in touch on 03457 46 46 46^.
On the call, we’ll ask you to choose car or home insurance. Do not worry if you need both, we can handle it all in one call.
Car, home and pet insurance customers
We’ll send you the policy documents immediately for you to check that your cover details are correct.
After that we'll send you the food vouchers:
- within 75 days of your policy start date
- as long as the policy has been in force for at least 30 days.
Life insurance customers
You should expect your vouchers to arrive 180 days from the start of your policy.
You will not receive the vouchers if you cancel your policy within 4 months.
We automatically renew your car or home insurance if you pay by direct debit and don't let us know if you don't want to renew.
Get in touch on 03457 46 46 46^ if:
- you don't want to renew
- you want to make a change to the level of cover
- any of the car or driver's details have changed.
The vouchers can be spent on any items sold in Co-op Food stores other than:
- tobacco and cigarettes
- mobile phone top-up cards
- saving stamps
- first-stage baby milk products
- in-store concessions
- gift cards
Co-op Car Insurance
Get a replacement certificate of insurance by calling 03457 46 46 46^. A £15 fee applies.
Download your certificate of insurance for free from the online self-service centre.
Download your certificate of insurance for free from the online driving dashboard.
You can pay for your car (excluding Ecoinsurance) and home insurance in one of two ways.
We’ll take a payment from your bank each month to help spread the cost of your insurance. There’s a small charge for credit, and you’ll need to pay the first two months up front.
Debit or credit card
We accept all Mastercard and Visa credit and debit cards.
There’s no charge for using a credit or debit card.
Paying by direct debit?
You can change to paying by credit or debit card when you renew or make a change to your policy mid-term.
Paid by credit or debit card?
You can change to direct debit when you renew.
We’ll send you details of how to change the way you pay for your insurance with your renewal invitation.
No, we can only send documents through the post.
If you have a problem paying for your car or home insurance online, please get in touch on 0800 0113 380^ to pay over the phone.
Please have your debit or credit card handy.
You can use the food vouchers in Co-op Group stores and at these independent co-operatives:
- Central England
- Heart of England
- Chelmsford Star.
You cannot use the vouchers at other independent co-operatives, including East of England Co-operatives.
You can use our online chat service when there is an operator available.
You’ll find the live chat buttons on the:
The buttons will not appear if there is not an operator available.
For car, home, and young driver insurance, the live chat service is there to:
- help you through the quote process
- answer general queries
- discuss specific details of your policy.
For pet insurance, the live chat service is there to:
- help you through the quote process.