Co-op Insurance Reviews 4,187

TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Evaluating 1,321 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the helpfulness and politeness of the staff, noting their understanding and professional service. Many appreciate the competitive and fair pricing for various coverages, often finding it significantly cheaper than other options. The user experience is consistently praised for being easy, straightforward, and quick, especially when obtaining quotes and completing online forms. However, some people mentioned frustrating experiences with customer service, citing issues with slow responses, being cut off, or dealing with unhelpful agents. There were also complaints about renewal price increases and difficulties with the digital systems, leading to a feeling of being unsupported.

What people talk about most

Price

Reviewers highlight positive aspects of price, often finding competitive pricing and good value for money,... See more

Service

People report positive experiences with service, with many finding the process of negotiating and purchasing... See more

User experience

Clients share positive opinions on user experience, with many finding the website and app easy to navigate... See more

Customer service

Users describe positive interactions with customer service, with many reviewers praising helpful, polite, and... See more

Staff

Consumers find staff to be positive, with many reviewers describing them as extremely helpful, polite, and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

My telephone call with the staff member was helpful and polite. What I found very frustrating was the amount of information being read out, very quickly, from a script. I feel that I can read all this... See more

Company replied

Rated 4 out of 5 stars

The product is very good, but at present I’ve not had to make a claim. I would have given it a 5 start apart from your renewal costs, for the second year in a row I’ve declined the renewal because th... See more

Company replied

Rated 4 out of 5 stars

As an elderly lady holiday insurance can be expensive. I thought Co op was a fair price for the range of cover. I would recommend it to friends.

Company replied

Rated 5 out of 5 stars

With my then current pet insurance provider putting up the price substantially despite no claim being made I thought I'd look elsewhere. The Co-op insurance was very competitive. Unfortunately the si... See more

Company replied


Company details

  1. #119 of 137 best companies in Insurance company
  2. #60 of 69 best companies in Car and Motor Insurance Agency
  3. #39 of 44 best companies in Home Insurance Agency
  4. #50 of 50 best companies in Life Insurance Agency
  5. #24 of 33 best companies in Pet Insurance Company
  6. #62 of 66 best companies in Travel Insurance Company

About Co-op Insurance

Written by the company

Protecting what matters most

Co-op Insurance has been protecting what matters most to people for over 150 years.

We see insurance as an opportunity to make a positive difference all over the UK.

We offer a wide variety of insurance including:

Supporting communities, it’s what we do

We support community projects and help to safeguard community spaces. One of the community projects that we support is Neighbourhood Watch.

Through our home insurance we fund Neighbourhood Watch schemes across the UK, helping you and your community look out for each other.

Our Co-op values

Co-op Insurance are part of Co-op Group, one of the world’s largest consumer co-operatives, owned by millions of members.

We’re founded on a set of values and principles that describe a different, fairer, and better way of doing business.

Alongside insurance, Co-op has one of the UK’s leading convenience retailers, the UK’s number one funeral services provider, and a developing legal services business.

With all this and more, you know you can put your trust in a brand that has been doing things the right way since 1867.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

4k reviews

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Rated 5 out of 5 stars

New policy alterations

I took out a policy but wasn't sure if I'd filled in everything correctly so I called them to check. Lovely lady on the end of the phone did find out I'd made 1 error. We corrected this and also added a few nominated persons too. Thought that was really good idea. Policy updated and mind put at ease.

26 May 2026
Co-op Insurance logo

Reply from Co-op Insurance

Good morning
Thank you so much for taking the time to leave such a wonderful review! We will ensure your feedback is given to the agent you have spoken to.
Kind regards
Jemma
The Co-op Pet Team 🐾

Rated 1 out of 5 stars

Ridiculous increases for loyal customers

Our buildings insurance renewal didn't go through due to an administrative card error (card was replaced due to fraud and not updated on our account). The following morning, I called them directly to update the card details. I was told I'd need to get a brand new quote.

For backstory, we have been with Co-op since we bought the property (over 10 years ago) and the previous owner was also with Co-op. The previous owners had made a claim (with Co-op, and they also carried out the repairs) for subsidence, this was the reason we stayed with them as they were aware of all the details/repairs. It wasn't anything major, and only required minor repairs.

After completing a quote, we were then told we'd need to get all the information for the subsidence before they could proceed (which blows my mind as they were the ones who carried out the claim) and I'd need to contact my solicitor.

I did so, including providing THEIR OWN CLAIM NUMBER. They were then able to give us a quote - which had increased by over £200. No details had changed, they were aware of the subsidence as it was listed within our renewal & has been on our policy for 10+ years (which is at first how they justified the increase, until they realised they've always been aware of the subsidence).

I have now escalated this as a complaint as not one thing has changed since the renewal, and we haven't claimed in 8 years. A simple admin error, with nothing changing within the policy and how they justify over a £250 increase is absurd (it had already increased by £100 on this years renewal so would be a £350 increase from last year).

I'm now told I will need to wait up to 7 days to hear back from the Customer Relations team. Extremely disappointed with how Co-op have handled a simple administration error for a loyal customer.

28 May 2026
Unprompted review
Co-op Insurance logo

Reply from Co-op Insurance

Hi Charlotte

Thanks for taking the time to leave us your review. I'm sorry to hear you're unhappy with the price of the new quote, when a renewal expires, we're unable to renew the policy and a new quote is needed. I also apologies we requested information regarding the previous subsidence, thanks for providing the information.

I can see you have logged a complaint with our customer relations team, who will investigate this further and be in touch with the findings.

Kind regards
Leanne

Rated 5 out of 5 stars

Highly recommended.

After struggling to get any sensible response from the companies advertising as specialists in travel insurance for older people with health issues, I was delighted with the ease of application process on the coop website. I now have the travel insurance I need at a realistic price.

26 May 2026
Rated 5 out of 5 stars

I found the pet insurance i needed at a…

I found the pet insurance i needed at a competitive price.Plus i was given a discount because of my CO OP membership

12 May 2026
Co-op Insurance logo

Reply from Co-op Insurance

Good morning
Thank you for the fantastic feedback!
Kind regards
Jemma
The Co-op Pet Team 🐾

Rated 1 out of 5 stars

Terrible service

I’m really disappointed with the service from Co‑op Pet Insurance. My dog, had an out‑of‑hours emergency on 13 May, and I submitted the claim the same day. When you’re dealing with a very sick pet, you’re already stressed, frightened, and emotionally drained — the last thing you expect is to be left completely in the dark by your insurer.

Despite submitting everything immediately, Co‑op didn’t even contact the vet until 26 May. That’s a 13‑day delay before the claim process had even begun. During that time, I was left £1,800 out of pocket, with no updates, no progress, and no indication that anyone was taking ownership of the claim.

What makes this even more frustrating is that the FCA’s rules (ICOBS) are very clear: insurers must handle claims promptly and fairly, and avoid unnecessary delays. Waiting nearly two weeks just to request information from the vet does not feel consistent with those expectations.

When your pet has been seriously ill, you’re already carrying the emotional weight of worry and exhaustion. Having to chase your insurer — repeatedly — just to get them to start doing their part adds a layer of stress that feels completely avoidable. It leaves you feeling unsupported at the exact moment you needed the policy you’ve been paying for to actually work.

I expected better communication, faster action, and a more compassionate approach. This experience has really undermined my trust in Co‑op Pet Insurance.

13 May 2026
Unprompted review
Co-op Insurance logo

Reply from Co-op Insurance

Good morning
Thank you for taking the time to leave a review.
I’m sorry to hear that you are unhappy with the service you have received. We strive to provide excellent customer service in a timely manner and I truly apologise for the frustration this has caused.
We have requested more information from you to enable us to investigate and resolve your concerns as soon as possible.
Thank you,
Jemma
The Co-op Pet Team

Rated 1 out of 5 stars

Priced out within 2 renewals after illness

We've had our dog insured through Co Op his entire life, 5 years at this point. He developed a recurring illness, and within 2 years, our renewal quotes have more than doubled in an attempt to price us out of our claim.

They'll happily take your money, and as soon as you need them, they price you out. What a waste of money.

It's a disgusting practice.

26 May 2026
Unprompted review
Co-op Insurance logo

Reply from Co-op Insurance

Good morning
Thank you for taking the time to leave a review.
I’m sorry to hear that you are unhappy with the service you have received. We strive to provide excellent customer service in a timely manner and I truly apologise for the frustration this has caused.
We have requested more information from you to enable us to investigate and resolve your concerns as soon as possible.
Thank you,
Jemma
The Co-op Pet Team

Rated 5 out of 5 stars

Good response.

Hardly any waiting time before my call was answered and the renewal process, which included changes, was completed efficiently and easily.
Thank you.

26 May 2026
Unprompted review

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