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Co-op Insurance home insurance review

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

In this article
Co-op Insurance home insurance overview  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? What is Co-op's claims number? Get top money-saving tips from Which?

Co-op Insurance home insurance overview 

    Co-op Insurance was first formed in 1867 to provide fire insurance for co-operative societies. It's evolved a lot since then and 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 by Co-op Insurance

    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. 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 48 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 67 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 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 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, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

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

    Weighting Policy element Details Rating
    Most important Maximum sum insured (£) Logged out detail Logged out padlock
    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 2020. Next update in February 2021.

    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, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

    How Co-op Insurance's home insurance scored for seven 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 2020. Next update in February 2021.

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

    What is Co-op's claims number?

    If you need to make a claim with Co-op home 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.

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