Co-op car insurance

Co-op Insurance is a well-known brand which, amongst other things, provides car insurance for people from 18 - 75 years old. Their ecoinsurance product caters for a wide range of drivers from 21 year olds up to more experienced drivers and particularly those who want to reduce their car’s impact on the environment. Their Young Driver product caters for those under the age of 25 and helps reduce their premiums through use of telematics.

They have a UK call centre, which you can contact if you have an accident 24 hours a day, 7 days a week on 0345 999 8888.



Co-op car insurance

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Ecoinsurance

If you choose Co-op ecoinsurance you’ll get the following benefits:

  • Windscreen cover
  • Personal belongings cover
  • European travel cover
  • Cover for audio and navigation equipment
  • Courtesy car when your own vehicle is being repaired after an accident at one of their approved repairers
  • Personal accident cover
  • Emergency medical cover
  • 3 years guarantee on repairs when using our approved repairers
  • Cover for a new car – if your car is written-off in an accident and it’s less than 12 months old

Ecoinsurance from Co-op also has the following options you can add on to your policy to widen your coverage:

  • Motor Legal Expenses
  • Breakdown cover from the RAC
  • Keycare cover
  • And if you qualify you can also choose to protect your No Claims Discount for an additional charge

If you take out ecoinsurance, Co-op Insurance will invest in green projects to off-set 20% of your CO2 emissions. They also use garages that recycle or re-use plastic parts and other things.

In order to save paper, your policy documents will be sent to you online and you can view and download them from their self-service centre.

Young Driver Insurance

This car insurance with the Co-op helps young drivers to get a competitive quote by using black box technology (telematics).

If you choose Co-op Young Driver insurance you’ll always get the following benefits:

  • Windscreen cover
  • Personal belongings cover
  • Cover for audio and navigation equipment
  • Courtesy car when your own vehicle is being repaired after an accident at one of their approved repairers
  • Personal accident cover
  • Emergency medical cover
  • 3 years guarantee on repairs when using our approved repairers
  • Cover for a new car – if your car is written-off in an accident and it’s less than 12 months old

 Young Driver Car insurance also has the following options available to extend your cover

  • Motor legal expenses
  • Breakdown cover  from the RAC
  • Key cover
  • Gadget cover
  • And if you qualify you can also choose to protect your No Claims Discount for an extra charge

What is a Co-op Smart Box?

It is a small black box about the size of a mobile phone. It is normally fitted under the dashboard of your car, so it can’t be seen. A professional engineer will come to you and fit it, normally within a couple of weeks of you getting your insurance.

telematics
car

What does it do?

It collects data about the way you drive, so that Co-op insurance can see that you are a safe driver and you can continue to get a competitive insurance quote. The data is assessed every 90 days and if your score is good you’ll get a safer driving discount.

What sort of data does the box collect?

The box looks at how you accelerate, whether you are doing so smoothly or aggressively. It also monitors the way to take corners and how you brake. The time of day you drive is also important. Although Co-op don’t apply any mileage or restrictions or night curfews. It might affect how much you pay for your policy, if you do a lot of mileage or drive regularly at night. (This is because studies show that young people are more prone to accidents between the hours of 11pm and 6am) and therefore it is more of a risk.

Can I see my data?

Yes. You have your very own personal dashboard. This will show you your performance and give you hints and tips about your driving, so that you can keep an eye on anything you need to improve.

The black box is a great tool to learn from and to help you as a young driver, to improve your driving skills and gain confidence on the road.

Get a Co-op Young Driver or ecoinsurance car insurance quote today and see how much you can save.

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