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Stay away !
Horrible experience with this company for car insurance . They apparently send some ‘ghost’ renewal letters that never arrived . They kept taking direct debit for nearly 2 years without making any contact with the customer. Also, they take all the details on line inc phone and email , but never contact customer, apart from sending those never received (ghost) letters . Terrible customer service !
I lost lots of money being ripped off by this dishonest company . They deserve that their modus operandi is combed thru and thru by Trading standards as there are many unhappy customers out there . One of these days it will happen hopefully , because many of us reported it .
At least , I made sure that I warned many of my friends and some potential customers by now , for sure they will avoid this company at all costs after they learned about my experience...
When visiting Dorset , we all ceased ( inc relatives that live there ) buying at their supermarket . They don’t deserve our trust and our money . Beware of this company . These reviews here on Trustpilot says a lot, so make sure to take note of that if you ever consider Co op car insurance and don’t forget that they are ‘leading’ company with zero stars ! !

Ok until you don't renew your policy and then they wack on charges claiming you are in arrears

DO NOT USE
I have been paying my home insurance for nearly 3 years and nether used. I try to make a claim on my cover and after 2 weeks of hassle and made to feel like I am at fault and calls lasting Upto 1 hour and 55 minutes. I was told that I was not covered due to Sum one living at my address ( Not on my police) had a CCJ over 5 years ago.
I was then told they couldn’t inshore me from then onwards and to cancel my police I wouldn’t have to pay them £87 or continue paying for insurance that doesn’t cover me. I was then threatened with debt collection if I refused to pay.

I was with Co-op insurance for 2 years and was broadly happy with the basics of the policy (on which I did not need to claim).

However, the co-op signed me up to some 3rd-party marketing services and I began to receive unsolicited email marketing, outside of the privacy policy. On complaining, I was sent a number of letters with some generic information about opting out; these were sent as "signed-for", forcing me to visit the Post Office to collect them with ID (I did not know the sender or contents).

An unhelpful and disrespectful response from Co-op.

I wish I had read the reviews before I took out a policy. This company is all lies. my passenger window got stock and I just phoned them up to ask what I should do, they said I should take it to local mechanics. 3 months later, I found out they have recorded that as an unsuccessful claim in the system and now my premium has gone up with everyone by over £500. stay away from them as they are not helpful in any case.

I too wish that I had read these reviews before taking out a CoOp Young Drivers Policy. We chose a policy using Telematics for our son's first insurance cover. All was well in the first quarter & we received a premium refund. However in the second quarter we were fined for 'poor 'driving. A few weeks into the 3rd quarter we were contacted & told that our 'Black Box' was not working & it was subsequently replaced.Over the next few weeks we monitored the 'Dashboard' carefully & noted that it was recording data when the car was not being driven! We reported this & the issue was resolved, however they reduced the refund given to us that quarter because of this incorrect data! We obviously complained that this seemed unfair & also asked for the detailed Telematics for the preceding quarter which had been deemed poor. On reviewing this data it was apparent that the box had been malfunctioning throughout this quarter too. Despite numerous emails & phone calls we have still not managed to obtain a refund for our 'fine'.
Now into our final quarter ( yipee!) we currently have an 'Excellent' driving score, however have just been notified that this will not be eligible for a reward refund as we have not shown improvement !!!!
Not sure how you can improve on 'Excellent', their top rating.
There is no detail or transparency in the policy documents as to how they interpret the Telematics data.
A couple of the staff that we have dealt with in Customer Services have been helpful, but issues have still not been resolved.
Our first experience of using a telematics linked policy - I don't feel this one rewarded good driving & would advise anyone using Telematics to check the data carefully.
I will NOT be renewing my policy with CoOp!

very poor customer service and we should beg for the claim

I contacted coop insurance two weeks ago to ask that my dads insurance be cancelled due to him now being in end of life care and unable to drive. I explained that dad is 24 7 oxygen dependant and talking on the phone is difficult for him.

They advised that i write to them and they would cancel the policy, which i did.

Today i received a letter asking for proof of power of attorney. I called to say we did not arrange power of attorney as dads illnesses progressed quickly.

They were most unhelpful. Suggested that i get dad to cancel his direct debit. I explained he is house bound and i cannot take him to the bank. They were determined not cancel the policy.

I suggested they went to the dvla website ans search the number plate to see the vehicle is sorned. They refused to be helpful.

I was left no choice except to wake my dad and let him struggle to speak on the phone in order to cancel the policy. This was extremely difficult for dad given his state of health.

It was very distressing for me, at an already difficult time also. Staff were very cold and uncaring.

I wrote the same letter to AA to cancel his cover on the same day. AA called me back the very next day. They were nothing short of fantastic. Cancelled the policy without any difficulty and even asked me when dad last drove the car. They then sent him a cheque to refund the money for the time he wasn't driving. Exact opposite of co op.

I’m shock somebody hitting my car when renult my policy Saed. Your no climes Discount it’s a Suspend because not my Fault hhhhhh I Recommend it for everyone it’s not good

They are an absolute shower of s***, we had an accident last year that wasn't our fault we were hit by another car whilst our car was parked up outside my wife's works. We called the police to attend which they did and they stated it was the other person fault the third party. The driver had come around the corner way to fast bounced off one vehicle and then hit our vehicle in the drivers rear tyre damaging the rear axle of vehicle. it took the insurance company 3 days recover the vehicle from the roadside to take to their garage to be assessed. it them took them a further 7 days for them to decide the vehicle had been written off and that was with us ringing them to find out what was going on. We were then made an offer that to be honest they said was fair but i don't think it was but they wouldn't budge on the value even though we refused the offer 3 times we eventually settled for £1650 and brought a car adding another £1400 of our own money and brought another car. We were due to renew the insurance 26 days later and to be honest the quote was approx. £300 the previous year and had risen to £1000 Why ?? We looked at other insurance companies and as we had an accident 26 days before there prices were as bad if not worse due to this accident so we decided to stay with them. Now a year on we have just been given this years renewal and it is close to £1000 again, so we have rang the insurance company to find out what was going on as we had thought the claim had been settled as we hadn't heard anything from them either Solicitors or the Insurance company. When we rang up the gentlemen at the insurance company who said he would contact the solicitors, which he did and they said the case had been settled and it would take one week for the information to been sent to them in writing. So we left contacting the insurance for 2 weeks expecting them to have sent a new renewal out in this time. Which would have been more inline with the £300, again we have contacted the insurance company today to be told they still haven't had the information through from the solicitors or the underwriters. I am going to give them 6 days and after that i intend to make a complaint to financial services ombudsman for an adjudication and possible fines to be levied against this company. My wife was also informed that she would get the money back from last year as the claim was not our fault and it was a no fault claim.

absolute nightmare I would not advise buying from them
am having to deal with the coop as a third party person (their car hit me and they admitted liability.. ) as I didn't want to use a credit hire company via Eldon insurance who I felt were pushing me to claim for injury when I am only a little hurt (although stress is making it worse) due to a fibromyalgia flare and sore muscles post accident
I wish I hadn't bothered trying to do it the honest and quick way
the coop have still not provided me with the promised replacement car until mine is fixed
they don't liaise
having admitted liability in writing they then make you be reinvestigated before agreeing to hire you a car
then they make you stay in and miss things to sort out delivery of hire car but it turns out that they make up reasons not to do it that day (when you correct a name mistake they refuse to ring DVLA to check licence without a new instruction that has to wait all weekend of course)
and then when you sort all of that out they delay sending the papers to sign and then they put on the portal that a car is being delivered on a date and when you wait and wait and wait and then ring them to find out where it is they say oh not its not coming today
now being holding on to speak to them for 25minutes
25 minutes!!!!!! and still on hold because despite pressing 2 for car I am through to the house insurance section and have to start again
so no car replacement as promised
and my car has not been collected for repair because they used some weird, presumably cheap company, that wont spend the money on a tow truck if the car wont start (its to repair crash damage dummy the car isn't supposed to start)
so here we are more than a week later and nothing fixed

menwhile my muscles ache more every day and now I have brain fog and am feeling highly stressed and unable to function--all a result of the crash

my advice if you are the innocent party and their driver is at fault is to use the massively expensive credit hire company that your own insurance wants you to use and don't worry about the massive costs--if it is the coops fault they will have to pay them and you wont

if you are thinking of using them don't.. been waiting to speak to them for 35 minutes now

Trustpilot should allow us to give this company zero stars.
Dealt with them twelve years ago and never again.
The reviews I have read confirm nothing has changed.
In my 28 years on the road I have never dealt with a car insurance provider that is so unhelpful. It still angers me.
I was scammed at a vulnerable time when I was dealing with a lot of family health issues.
Its too late for me but if you have fallen victim to the completely unprofessional and inconsiderate way they work please contact the financial ombudsman.
Better still keep well away.

I had a great shock yesterday co op eco cancelled my policy because i missed something off. i was willing to pay extra money for it but the said no i can not do. I thought this was unfair. i ask if we could sort it out twice over the phone. i only missed once accident date off.

now i would not trust them

Worst insurance ever stay clear i informed my previous insurer of an accident 4 years ago no claim was made and i informed co op while getting a new quote of this accident however as i said i have not made a claim they decided to charge me an extra 40% each month as informing my previous insurance of an accident counts as a claim disgusting how this company can get away with that tied into a contract with a huge deposit to ransom

Worst insurance ever. They had so many hidden fees. My insurance was going well Until a month before it was due to renew. They charged me £668.10 for my last payment aswell as £363.20 on top for no reason whatsoever. Expecting me to pay it in one go. DO NOT INSURE WITH THEM.

The worst car insurance in the UK !!!

I am awaiting my excess back for over 5 months. All the information needed was provided on my part. The other party took it to court and was found guilty, the case is closed, liability determined by court, but I still don't have my money back.
I called Aviva and found out that they are also awaiting some information, but Coop never spoke to them in the last 4 months hence being chased Aviva on daily basis.

I am a victim but I can not get my money back.
You all avoid this Co-Op Insurance Company!!!

wish I'd read these reviews before starting the policy, cancelling after just six days, annoying they'll be charging cancelling fees for the privilege of experiencing such a sloppy business.
Co-Op - please read and address these issues, you're embarrassing the brand.
Your contractor installing dashboard boxes is useless - sends emails asking to confirm installation date, but despite sending 3 confirmations to supplied email address as request kept coming, installation was cancelled. Why not just email a link that can be clicked to confirm like every other website does ? And don't ask to call your number, only to be told "we're really busy, call back later" as the default message...
Then all the requirements to send documents - been insuring cars for 30 years, no other company requires this. There are now online databases to get licence and insurance details, you don't need the rigmarole of 'log in to gov.uk, request, code, print pdf, send image'. Copy of statements to confirm address ? what's that all about, even banks have stopped that.
Feels like this operation has been set up by amatuers, wanting a piece of the lucrative young persons car insurance pie. Be careful...

Absolutely disgusting!! Had car insurance with them was all fine then i swapped my car all of a sudden my DD's were stopped so my policy got cancelled!! Had to set up a new policy and pay off what i owed so i paid them over £600 bare in mind i owed them around 350...3 days later uninsured!! No communication from them until i rang the month after to ask why they hadnt taken a payment...for them to reply and tell me my policy had been cancelled AGAIN!! And i had been driving around with my 4 year old daughter in the car FOR A MONTH!! unaware i was uninsured!! The response i got was "we refunded you £79" which was a load of bs!! And they hung up!! Absolutely disgusting company to have insurance with. MONEY GRABBERS!!

AVOID!!!! very rude customer service. The box never works . So young drivers stay away . Dont waste your time or money.

Read these negetive comments carefully, because they are telling you the truth. In over 30 years of driving i have never come across a car insurance as bad as these. They are happy taking your money but dont want to help you when you are in need. AVOID this company like the plague!