The Co-operative Insurance Reviews

Name: The Co-operative Insurance
Rating: 3.56

3.6 Rating 697 Reviews

65 %

of reviewers recommend The Co-operative Insurance

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3.6

Based on 697 reviews


Customer Service
Communication Channels	Telephone, Email, Live Chat
Queries Resolved In	Over A Week

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The Co-operative Insurance 1 star review on 10th March 2021

Mr Willis

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Rubbish company lieing unhelpful staff pay a little bit more and go with a descent company please do not use these cowboys”

Helpful Report

Posted 6 years ago

“Here goes... The Co-op cancelled our car insurance at midnight on 24.05.17 for failure to send evidence of NCD, but in a letter dated March 2017 told us that our NCD was protected and we didn't need to do anything else. Husband was driving the car and was stopped by the police as the insurance had been cancelled, but we had not been notified of this decision, car was impounded for 6 days and he was told he will be given £200 fine and six points. Called the Co-op and they faffed on about us not making a payment, which we had no idea about and they wouldn't tell us about and refused to reinstate the insurance as it needed to be investigated. We sent in proof of NCD but they provided us with two incorrect email addresses. They failed to call us back when they said they would, and when we called to see if they had received our proof of NCD they said no, because again it was an incorrect email address they gave to us. Email was finally sent and after a very long chat with a lovely lady called Phoebe it transpired that there was a letter on their system requesting proof of NCD or a payment of £395.23 which was never sent out to us! They cancelled our policy over something they had never informed us over so we were unable to act on it and rectify any errors on our part. Cut a long story short, insurance was reinstated and they admitted it was an error on their part, dealt with by a lovely chap called Mr John Mercer and then it went to their customer relations department. Today we recieved a call from a rather snotty chap by the name of Andy, who implied that all of this was our fault, and it ended with me asking for his full name and job title and telling him I am going to the financial ombudsman over the matter. I will also be making a complaint about his attitude. They claimed to have records of certain letters in our file on their system that we have never received and we have letters from them that they do not have on their records! Classic case of the right hand not knowing what the left hand is doing, and trying to cover their own mistakes by blaming the customer when we had been told that everything was fine and we didn't need to do anything. Customer relations department need to work on training their staff to work WITH the customer to find an agreeable solution, not blame them for what has been proven to be a ridiculously huge error on the Co-op's part. Other departments need to work out how to put records of ALL correspondence with customers in one place, and make sure it actually gets sent out to them! Rant over...(and we have our car back after two trips to the impound as the insurance certificate we were issued with was for 14days only but governemt website says it must be a minimum of 30 days- would have thought a car insurance company would have known this!)”

Helpful Report

Posted 6 years ago

“Dont touch co op insurance biggest pile of low lifes lieing and cheating customers quick. Enough takeing the money. Please read all reviews of this company on facebook twitter and goggle reviews”

Helpful Report

Posted 6 years ago

“Absolute rubbish They do not return calls , keep you waiting 15 minutes at a time then cut you off We have been messed about by these amateurs since the 15/10/2016 We have had to seek legal advice to take these to court THIS IS A NON FAULT CLAIM On a brighter note it could have been a funeral plan ( They would have probably left us on top to Rot ) I only left a 1 because their are no minus options”

Helpful Report

Posted 6 years ago

“Read the smallprint first before you get a policy with co-op. Not like the old family orientated co-op used to be.”

Helpful Report

(Home Insurance) - Posted 7 years ago

“Unfortunately while a Co Op car insurance customer my car was involved in an accident whilst unattended. The repair work was completed under the insurance to a good standard. However, since that time I have received nothing but spam/nuisance phone calls claiming to be from a partner of the Co Op pressurising me to make a personal injury claim. They have details of the accident and therefore it is clear that Co Op have passed or sold my details on without my consent. These parasites continue to phone me around 5 times a day from various tel numbers, and this has been going on for 3 months. Despite me telling them I wasn't injured they continue to persist and are rude/abusive. I am disgusted that a company such as Co Op would do this and have made an official complaint which has also been forwarded to the Ombudsman. This is nothing but harassment and Co Op are responsible for this.”

Helpful Report

Posted 7 years ago

“I had a motor policy with the Coop and decided to change my car with 3 months to renewal date. I contacted my broker who said the Coop would not quote for a change of car within this time frame. When I explained the new car was a updated version of my current car with sat nav and lumber support, same engine etc. he said it didn't matter and I would have to start a new policy at a cost of £336, which is twice as much as the original policy. I again stressed the point that I just wanted to change the car details which I was told again was not allowed. Insurance companies claim to be service organisations, I don't think this Company understand the meaning of the word. Keep well clear.”

Helpful Report

Posted 7 years ago

“Don't use cheap car insurance but a,waste of time.. Cancelled my car insurance because i pressed wrong button on laptop . i told them what happened didn't do it intentialy made me feel like i was a fraudster in which i am not being driving years never had this problem before il be paying more but hopefully a better service”

Helpful Report

Posted 7 years ago

“To anyone who has or is considering a Co-operative building insurance policy, be warned ... I’ve had building insurance (no contents) with the Co-operative for 29 years. I made two small claims - both totalled much less than my total annual payments. I haven’t made a claim for 16 years (£2362.80 total in premiums paid over the last 16 years.) I received my annual renewal notice to cover next 12 months from April 01 2016 - new premium, total payable £233.00 - this includes a "No Claim Discount of 10% and a 5% Renewal Discount." I decided the ongoing annual upgrading charge for my insurance to be too much. I applied via the Co-operative website for an insurance quote and entered my personal and building details exactly as those for which I am being charged £233.00. The insurance quote I received from Co-op was a single annual payment of £169.18 (this figure included contents which I do not currently have.) Also, the £169.18 quote covered "£200,000 sum insured" as against present "£119,000 sum insured" for which I am being charged £233.00 - £63.82 less for a higher level of cover! It would appear those of us who are long-standing Co-op insurance customers are being overpriced for our insurance cover to enable Co-op to enlist new customers at much cheaper premiums. In passing, I contacted Co-op insurance with my above overcharging - the reply I received ignored my questions and merely stated my high premium to be mainly due to my postcode and "the risk of a catastrophic event such as flooding." My postcode is as that which Co-op has been quoting on since taking out insurance with them and flooding as I have previously informed them is impossible to my area. Also in passing, I find contact with Co-op to be extremely hard - no email connection, they don’t supply a contact reply address on their letters. Co-op main route of contact would appear to be via telephone (call charges apply) - not suitable for myself, as opposed to Co-op, I have no record of conversation. So beware, Co-operative’s continual adding cost to premiums with their pretence of "No Claim Discount of 10% and a 5% Renewal Discount" is merely an obscene lure to con their loyal customers into funding their new customers.”

Helpful Report

Posted 7 years ago

“Do not use for home insurance... We had a new boiler filled, in a freak storm water came in through the flu and flooded the boiler and our house. The loss adjuster claimed poor workman ship and argued about paying out. We had poto's and footage of the flood in action. He was not intrested. 3 months later we are still out of pocket. Our floor has been damaged from the flood water as had the ceiling. Luckily while we were still decorating from the boiler being fitted. The plumber came out. Our own and showed us the gas valve full of water. The fan had burnt out as had the circuit board. Not economical to repair, due to the extensive water damage. Loss adjuster just took damp readings saying this is historical damp. Not flood damage.. seriously we have a brand new boiler why would be making a claim for the damage to the house and boiler. The helpline only open Mon - Fri 9-5 no communication. I had to chase and chase for updates. Appalling service. Feel completely let down had to use own savings to get hot water and heating back up and running. Our plumber even spoke to the Co op to explain the damage caused. Don't waste your money on this company for insurance. Everything is toouch trouble very disappointed in the lack of customer service from the cooperative. Formal complaint going to head office.”

Helpful Report

Posted 7 years ago

“Do not use for car insurance!!!!!!! Can't stress enough do not use yes they are cheap that's it pay that bit more for a company that will help you if needed Again DO NOT USE Coop insurance lets the coop group down other coop services are good insurance NOOOO No phone calls / lied to/ really bad company happy to take your money Had a non fault claim my car was parked and was hit while I was not in it !!! I seem to ring every day to tell them things... All I seem to get was sorry for some reason the emails wasn't sent dragged it out for over a mth... Still my car is unfixed. Shocking company !!!!!”

Helpful Report

Posted 7 years ago

“Please do not use this insurance company ! On 18/06/16 I came home in the early hours of the morning to a burst water pipe upstairs in my bathroom causing water to pour through the ceiling and into the kitchen damaging the ceiling and water boiler directly below. I called co op insurance the following morning telling them I have no water into the house and the boiler has severe water damage. 11 days later and I am still waiting for a visit despite numerous phone calls and being told they are too busy. We were given the name of Ross McMillan at the loss adjusters and 4 phone calls later we have still not managed to speak with him as he was continually "on another call". So 11 days later I have paid to have the leak fixed. We still have no hot water and I have been told to expect a call tomorrow! We are not holding our breath. I will be cancelling the policy for building and contents insurance as soon as possible and advising all friends and family never use this company.”

Helpful Report

Posted 7 years ago

“The experience that I have had with them has been bad... I am insured as a second driver on my mother's car to build up my ncb. I had insurance cancelled due to problem with my bank and payments on one particular occasion; I received no notification from them and so was driving at for months uninsured until I recieved a warning from the dvla! Their response was less than apologetic to say the least and they always seem suspicious when you call and ask questions, as though they are dealing with a potential fraudster, which I must say I certainly am not. Will not be returning again!”

Helpful Report

Posted 8 years ago

“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”

Helpful Report

Posted 8 years ago

“Complete and utter fraudsters. Had my parent as the main driver and myself as a additional driver on the young drivers policy. Included a box to reduce the quote. Asked the specific question would the additional driver get one years no claims bonus on several occasions after querying this strange policy and they specifically said yes on every occasion even though that wasn't the truth when verifying this later. To add to this if they don't receive your no claims bonus via post they will not tell you .. They just charge you an extra 3k without telling you. Avoid at all costs”

Helpful Report

Posted 8 years ago

“I've never had an insurance with the Co-Op! Just because I used Gocompare to get quotes for car insurance, I've found that my bank details have been compromised by four different company's all taking money from my account! All monies reimbursed I should add. I will never use Go-Compare again.”

Helpful Report

(Car Insurance) - Posted 8 years ago

“Whilst I had no problems with the company per se, I was woefully let down by them and the company of solicitors they use called Plexus law. The CIS had been with me all the way and the head of the team had expressed confidence in my case but when it came to their legal representatives they just wanted to settle without a fight which is exactly what they did against my wishes and with no chance of me taking it further. I personally will not be using them again as now I have a financial penalty against me for their incompetence. An insurance company is there to represent you when you are not at fault not represent themselves to save a few pounds by not fighting a false claim. Best advice? pay a little more elsewhere to get the insurance you deserve”

Helpful Report

Posted 8 years ago

“It was fine the first year but changed to an older car and they wouldn't insure it. Had to find a new provider”

Helpful Report

(Car Insurance) - Posted 8 years ago

“My Son insured with co op but he was involved in a accident tues 11/3/16, when he got in touch with them,they were trying to make out he was at fault on the phone without listening to what really happened,then 3 days later the car is still at the side of the road where the accident happened just cause its near our home,this is causing hazards for other road users,he was promised a courtesy car but still no signs of that. they will gladly take your money, but they do not care about there customers or take other peoples safety into consideration, any good company would have had car removed next day got it to vehicle examiners. i also think they want him to lose his no claims then they can bump up his premiums he has 4 years ncb. i will be watching and checking everything they do just to make sure they do things right, may even get independent advise. NOT IMPRESSED AT ALL”

Helpful Report

Posted 8 years ago

“Absolutely no help at all. Every advisor i spoken to were rude and very unhelpful. I have had nothing but trouble since being with them. Absolutely shocking. Not one member of their staff have respect for customers. They speak to you like rubbish and do not help at all. Worst company i have ever been with.”

Helpful Report

Posted 8 years ago

The Co-operative Insurance is rated 3.6 based on 697 reviews