Absolutely awful insurance company. I had a completely no-fault claim when my car was damaged in a car park, by another person who was also insured with co-op. This claim is still ongoing. Absolutely pitiful lack of communication, tried to push an Auxillis credit-hire car onto me which could end up costing a small fortune, and delays with approving repairs has meant I've been left carless with 4 children. The Auxillis car was at first offered to be delivered immediately, and I was signing for a £400 PER DAY cost, on a year's credit agreement. There is no wear and tear policy for these cars - you are only insured third party, and must agree to pay THEIR costs for any stone chips, windscreen repairs, punctures etc. When I refused this I was offered a direct hire, where the insurance company would take responsibility for the hire cost (bizarrely reduced to £40 per day as a direct hire) but I still had to take personal responsibility for any major or minor damage. Not being prepared to put myself at risk of incurring repairs which may be beyond my control, I went back to the Co-op to refuse the credit hire. They told me this was my only choice. On pressing them, they told me that I could hire a car and they *may* be able to refund it. Who knows how long that process would take? I'll be pushing this to the ombudsman. I specifically asked for calls to inform me of the progress of my claim. Every time, I had to call myself, despite explaining that I needed time to make arrangements. They kept telling me I should be liasing with the garage that had my car - the car still sitting on my driveway. These credit hire companies are the reason premiums are so high - ethical company? I don't think so. AVOID.