From the reviews here it seems service is good when taking out the policy. That's where it stops. My daughtet's car was hit by a driver who did not stop. Spent evening in A&E and called co-op Fir assistance. Firstly fobbed off due to Bank Holiday. For goodness sake! No help whatsoever. Eventually spoke to at least 3 different people. Guess what - the hire car offer in the terms is subject to rediculous conditions not mentioned at the time of taking out the policy So - No hire car and nothing happening until Tuesday. Can only use their approved repairers (cheap options). Taking out the policy may be easy but heaven help you should you be unfortunate enough to need to claim. WOULD SUGGEST YOU NEVER INSURE WITH THEM