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Co-op Insurance home insurance review

Read Which?'s expert review of the Co-op's home insurance policies and find out how it compares with dozens of other home insurance companies. 

In this article
What does Co-op Insurance home insurance cover? Does Co-op Insurance offer the best home insurance? Co-op's home insurance policy: is it good or bad? How did customers rate Co-op's home insurance?
Where can you buy Co-op Insurance home insurance? What is Co-op Insurance's claims number? Get top money-saving tips from Which?
 

    Co-op Insurance was first formed in 1867 to provide fire insurance for co-operative societies. It now offers a whole host of insurance products such as home insurance, travel insurance, pet insurance as well as car insurance and breakdown cover.

    Co-op Insurance is owned by the Co-op Group, which is one of the largest consumer co-operatives in the world, and its home insurance is underwritten Zenith Insurance Plc.

    Co-op Insurance offers the following levels of home insurance cover:

    Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
    Co-op Insurance Home insurance Standard £1,000,000 £75,000

     

    Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

     

    What does Co-op Insurance home insurance cover?

    The information below gives an at-glance view of the key areas that Co-op Insurance's home insurance covers as standard.

    Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

     

    Burst pipes

     

    Covers the cost of repairing burst pipes in the property

     

    Legal protection

     

    Cover for legal costs resulting from claims, such as property and employment disputes

     

    £ Accidental damage

     

    Covers accidental damage to personal belongings, fixtures and fittings.

     

    £ Home emergency

     

    Covers callouts and temporary repairs resulting from a home emergency

     

    £ Personal possessions

     

    Covers personal belongings against loss, accidental damage or theft when taken outside the home

     

    £ Boiler cover

     

    Covers the failure of a boiler or central heating system

     

    Key cover - Buildings / Key cover - Contents

     

    Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

    Does Co-op Insurance offer the best home insurance?

    Here's how Co-op Insurance scored in our latest home insurance survey:

    Home And Mobile Insurance
    Co-op Insurance review
    Overall Which? score
    %
    Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
    Which? Customer Score
    %
    Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
    Buildings policy score
    %
    Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
    Contents policy score
    %
    Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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    To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

     

    How we analyse home insurance

     

    We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

    Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.

    Co-op's home insurance policy: is it good or bad?

    We've rated hundreds of policy details and picked out the best and worst elements of this cover.

    Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

    In detail: every part of Co-op Insurance's home insurance rated

    Weighting Policy element Details Rating
    Most important Alternative accommodation (£) Logged out detail Logged out padlock
    Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
    Most important Repairs guarantee Logged out detail Logged out padlock
    Other Unoccupancy period Logged out detail Logged out padlock
    Most important Trace and access  (£) Logged out detail Logged out padlock
    Most important Burst pipes - included? Logged out detail Logged out padlock
    Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
    Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
    Secondary Subsidence - included? Logged out detail Logged out padlock
    Secondary Damage to underground services - included? Logged out detail Logged out padlock
    Secondary Flood and storm damage - included? Logged out detail Logged out padlock
    Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
    Secondary Storm damage to fences - included? Logged out detail Logged out padlock
    Other Theft of keys - included? Logged out detail Logged out padlock
    Secondary Theft of keys (£) Logged out detail Logged out padlock
    Other Loss of keys - included? Logged out detail Logged out padlock
    Secondary Loss of keys (£) Logged out detail Logged out padlock

    Table last updated in March 2021. Next update in March 2022.

    To see how Co-op Insurance's home insurance compares to other policies check out our guide on the best and worst home insurance.

    How did customers rate Co-op's home insurance?

    As well as looking at how Co-op Insurance's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

    Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

    How Co-op Insurance's home insurance scored for eight elements of customer satisfaction

    Customer satisfaction element Which? customer rating
    Application process Logged out padlock
    Clarity of policy Logged out padlock
    Dealing with queries Logged out padlock
    Ease of managing your policy online Logged out padlock
    Treatment of longstanding customers Logged out padlock
    Dealing with complaints Logged out padlock
    Value for money Logged out padlock

    Table last updated in March 2021. Next update in March 2022.

    "-' represents where we have insufficient sample size (less than 30) to generate a star rating

    Where can you buy Co-op Insurance home insurance?

    Co-op Insurance home insurance can be bought online and over the phone.

    Co-op Insurance's home insurance policy is available on the following price comparison websites:

    • Compare The Market
    • Confused.com
    • Go Compare
    • MoneySuperMarket

    Find out more: how to get cheap home insurance

    What is Co-op Insurance's claims number?

    If you need to make a home insurance claim with Co-op Insurance call 0345 999 8888 or submit a claims form online.

    Find out more about claiming successfully in our guide to making a home insurance claim.

    Get top money-saving tips from Which?

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