Exclusive member price on car insurance

Member discount excludes optional extras. Minimum premiums apply and offer may be withdrawn at any time. New policies only and subject to your details being matched against the Membership database.

Our members benefit from:

  • a dedicated claims number
  • a courtesy car as standard while one of our approved repairers fixes your car following an insured accident
  • 70% no claim discount as long as you haven’t made a claim for five years or more
  • 24-hour accident recovery service following an insured accident.

What our car insurance covers

We offer comprehensive cover across the whole of the UK.

This means that we’ll:

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

Our insurance covers these sort of journeys:

  • social
  • domestic
  • pleasure.

You can also add cover for:

  • going to and from work or a public transport station
  • using your car for work, for example driving between different sites or customer addresses.

You’ll be asked to choose the level you need when you buy our insurance online.

What our 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.

What’s included with Co-op Car Insurance

These features are included in all Co-op Car Insurance policies: 

  • 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 £750 for replacement keys and locks if your keys are stolen (as long as you do not leave them in or on the car while you are away)
  • up to 8 days insurance cover in the European Union over the policy year.