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Co-op car insurance

Co-op knows a thing or two about insurance. It’s been selling its services to UK customers for the past 150 years.

Providing comprehensive car insurance for people from 17 to 75, Co-op specialises in telematics car insurance for young drivers and ‘green’ ecoinsurance for those who want to reduce their car’s impact on the environment.

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About Co-op car insurance

The Co-operative Insurance Company Limited was formed in 1867 to provide co-operative societies with fire insurance.

Today Co-op offers a range of insurance products including car insurance, and its core values of fairness, community and democracy still stand strong.

Co-op car insurance policies are for comprehensive cover only.


Co-op also has an ethical approach to car insurance. It offers the UK’s first car insurance policy which includes carbon offsets as part of the cover. If you take out Ecoinsurance with Co-op, it will offset 10% of your car’s CO2 emissions by investing in green projects like rainforest reforestations and renewable energy. Co-op approved garages also recycle parts to keep vehicles repairable where possible.

Co-op’s accident recovery helpline is available 24 hours a day, seven days a week on 0800 092 9069.

Young Driver insurance

Co-op also offers competitive car insurance for younger drivers through the use of its Smartbox telematics technology, also known as black box car insurance.

The Smartbox is about the size of a mobile phone and is fitted under the dashboard of your car. It collects data on how well you drive and sends it to Co-op. Every 90 days you’ll receive a safer driving score and if you do well you could earn a Safer Driver Discount.

The Smartbox works like a GPS but measures the way you drive including:

  • your b on different types of roads
  • how fast and hard you accelerate and brake
  • what time of day you drive
  • how fast you take corners

A personalised online dashboard helps you track your performance and improve your driving score with feedback and tips on safer driving.

What you get with Co-op comprehensive car insurance

A comprehensive car insurance policy from Co-op includes the following as standard:

  • third party liability cover
  • fire and theft cover
  • accidental damage cover
  • up to £5,000 personal accident cover
  • medical expenses
  • child car seat replacement
  • personal belongings cover
  • up to 8 days cover for driving in the EU
  • 70% no claims discount for 5 or more years of claim free driving
  • a courtesy car while yours is being repaired at a Co-op approved repair centre following an insured accident (subject to availability)
  • 24-hour recovery service
  • up to £750 key and locks replacement

Read the policy wording carefully before you buy, as terms and conditions will apply.

What you get with Co-op Young Driver Insurance

A young driver car insurance policy from Co-op includes the following features and benefits:

  • the same comprehensive cover as above
  • Smartbox installation
  • 24/7 personalised dashboard
  • no night time curfews
  • no mileage limit (other than your declared annual mileage
  • discounts for safe driving

Read the policy wording carefully before you buy, as terms and conditions will apply.

Co-op optional extras

Co-op also offers optional extras that you can purchase and add to your comprehensive policy including:

  • UK and European breakdown cover
  • up to £100,000 motor legal expenses
  • up to 14 days extended courtesy car cover
  • up to 90 days extended foreign use cover when driving in the EU

Read the policy wording carefully before you buy optional extras, as terms and conditions will apply.

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It only takes a few minutes to find a Co-op car insurance quote using our simple price comparison service today. Quoting with us could be the best way to find a cheaper deal.

You can find a full list of all our car insurance providers at our car insurance providers hub.

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