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The Co-operative home insurance review

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

In this article
The Co-op home insurance overview The Co-op’s home insurance policy: is it good or bad?

The Co-op home insurance overview

    With its UK-based call centres, the Co-operative provides a whole host of insurance products, including car, van, travel, pet and breakdown cover. Its home and buildings insurance is underwritten by CIS General Insurance, based in Manchester.

    What you need to know about Co-op home insurance: 

    • Charges 15.4% interest on monthly instalments
    • Covers personal possessions stolen from a car up to £12,500
    • No cancellation fee

    Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

    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. 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 this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
    Contents policy score
    Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
    Sign up for a £1 trial for Which? Money for two months to reveal the Co-op’s score

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

    We analyse and rate 60 of the most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score.

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

    Table last updated in September 2018. Next updated in February 2019.

    Policy elements Details Rating Area covered
    Interest charged on payment by installments (APR) Logged out score Logged out stars Buildings and contents
    Renewal fee (£) Logged out score Logged out stars Buildings and contents
    Home emergency cover - standard, optional, not covered? Logged out score Logged out stars Buildings and contents
    Home emergency cover (£) Logged out score Logged out stars Buildings and contents
    Owner's / Occupier's liability (£) Logged out score Logged out stars Buildings and contents
    Accidental damage cover - standard, optional, not covered? Logged out score Logged out stars Buildings and contents
    Subsidence - standard, optional, not covered? Logged out score Logged out stars Buildings only
    Alternative accommodation (£) Logged out score Logged out stars Buildings only
    Burst pipes - standard, optional, not covered? Logged out score Logged out stars Buildings only
    Blockage of sewer pipe - standard, optional, not covered? Logged out score Logged out stars Buildings only

    Single item limit for valuables - max limit (£)

    Logged out score Logged out stars Contents only
    Contents in the open - within home boundary i.e. garden (£) Logged out score Logged out stars Contents only
    Contents in outbuildings - including garages (£) Logged out score Logged out stars Contents only
    Theft from outbuildings (£) Logged out score Logged out stars Contents only
    Personal Possessions - standard, optional, not covered? Logged out score Logged out stars Contents only
    Personal Possessions limit within a car (£) Logged out score Logged out stars Contents only
    Pedal cycles - standard, optional, not covered? Logged out score Logged out stars Contents only
    Mobile phones - standard, optional, not covered? Logged out score Logged out stars Contents only
    Does mobile phone cover include calls? Logged out score Logged out stars Contents only