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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
Co-op Insurance is part of the well-known Co-op Group, which is owned by millions of members.
We've reviewed its standard home insurance policy, which you can buy this online or over the phone. It's not on insurance comparison websites.
We also surveyed 50 Co-op Insurance customers who have recently made a home insurance claim.
Co-op Insurance also sells car insurance, travel insurance and pet insurance. Its home insurance is underwritten by a panel of insurers which includes Axa, Aviva, Markerstudy and Prestige.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Co-op’s buildings policy was the lowest-scoring in our analysis, with 50%.
75%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed Co-op Insurance's standard buildings and contents cover. Take a look at what it offers and what we scored it.
| Buildings - Alternative accommodation | £100,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £500 | |
| Home emergency - central heating/boiler repair | £500 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £3,000 | |
| Contents - Alternative accommodation | £20,000 | |
| Contents - Accidental damage | Optional extra | |
| Contents - Guests' belongings | £500 | |
| Contents - Theft of contents in the open | £1,000 | |
| Contents - Damage to contents in the open | £1,000 | |
| Contents - Theft from outbuilding | £2,000 | |
| Contents - Damage to contents in an outbuilding | £2,000 | |
| Contents - Personal possessions cover single item limit | £2,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
Co-op Insurance’s policy did fairly poorly in our analysis of cover. It scored 50% for buildings cover and 61% for contents cover – and sank to the bottom or thereabouts of our tables.
It does some things decently. For example, it included a £3,000 single item limit for unspecified valuables (valuables which haven’t been described individually in your contents cover), and £5,000 trace and access cover. This funds the cost of finding the source of leaks on, or under, your property.
But various things counted against it in the overall scores. These included a two-year time limit for alternative accommodation. This pays for housing costs when your own home isn’t liveable during a claim. While most policies have a cash limit, this was one of only two policies we looked at that adds a ticking clock to the mix.
The Co-op also had a comparatively high interest rate for customers paying in monthly instalments – 29.89% APR.
If a member of your household temporarily lives away from home while studying (for example, in student halls), they’ll get £5,000 of contents cover. One in five policies don’t provide this perk.
We asked Co-op Insurance customers who have recently made a claim how they felt about their home insurance.
Co-op Insurance received a customer score of 75% and sat in joint 17th place in our table of 21 providers.
It scored 77% when we asked people to rate its claims handling – joint 14th out of 22 brands compared. See the full list of results here.
When we asked customers to tell us more about the rating they'd given Co-op Insurance, one claimant said; 'Everything that was lost or damaged was either repaired or replaced.'
While many were pleased with their service, there were a few criticisms, with one commenter remarking 'Long waiting time for claim evaluation.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers | n/a |
Table last updated in September 2026. Next update in September 2027.
'N/A' represents where we have insufficient sample size (less than 40) to generate a star rating.
Co-op Insurance sample size: Customer score, 50; Claims score, 52
It's not easy to compare Co-op Insurance prices with those of other insurers, as it doesn't appear on comparison sites. However, it's still worth checking out what the competition offers through other channels.
Want to pay monthly? Co-op Insurance charges interest of 29.89% APR, so you might be better off paying annually on an interest-free credit card.
Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 75%, Co-op Insurance sits in joint 17th place overall in our satisfaction table. It has the same score as Churchill and comes just below LV, NatWest and Santander (76%) and slightly ahead of Halifax (71%).
Its standard buildings policy scored 50% and ranks 32nd in our standard buildings cover table, making it the lowest-scoring provider.
As for contents insurance, its standard policy scored 61% – the same as a standard policy from 1st Central – and sits in joint 27th place among standard policies.
If you need to make a claim on your Co-op Insurance policy, pick up the phone, but the number to call depends on who the underwriter is.
If you are unsure, call 0345 464646
Find out more at the Co-op Insurance website.
Probably not. We didn’t find its cover inspiring, and it wasn't near the top of our customer survey tables, either.
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