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
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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)||Buildings and contents|
|Renewal fee (£)||Buildings and contents|
|Home emergency cover - standard, optional, not covered?||Buildings and contents|
|Home emergency cover (£)||Buildings and contents|
|Owner's / Occupier's liability (£)||Buildings and contents|
|Accidental damage cover - standard, optional, not covered?||Buildings and contents|
|Subsidence - standard, optional, not covered?||Buildings only|
|Alternative accommodation (£)||Buildings only|
|Burst pipes - standard, optional, not covered?||Buildings only|
|Blockage of sewer pipe - standard, optional, not covered?||Buildings only|
Single item limit for valuables - max limit (£)
|Contents in the open - within home boundary i.e. garden (£)||Contents only|
|Contents in outbuildings - including garages (£)||Contents only|
|Theft from outbuildings (£)||Contents only|
|Personal Possessions - standard, optional, not covered?||Contents only|
|Personal Possessions limit within a car (£)||Contents only|
|Pedal cycles - standard, optional, not covered?||Contents only|
|Mobile phones - standard, optional, not covered?||Contents only|
|Does mobile phone cover include calls?||Contents only|