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The Co-operative Young Driver Reviews

1.7 Rating 132 Reviews

15 %

of reviewers recommend The Co-operative Young Driver

Company Reviews

1.7

Based on 132 reviews


Shipping & Delivery
Delivery Methods	Own Driver, Courier
Customer Service
Communication Channels	Telephone, Email
Queries Resolved In	Over A Week

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Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“This would be a "0" if I could choose it! We are 6 months into my step-daughters policy. After the first 90 days, my bank account was debited with £193.93 (with no warning at all!) We are now 180 days in and received an email asking us to check the dashboard. There is only one message there dated "10 05 20", relating to the February letter/penalty!!! This message was not in the inbox in February. My step-daughter has improved all her scores, but from reading all the other reviews, looks like another penalty for us! She has many friends (young) and they do not get penalized like this. The dashboard gives conflicting scores from graphs showing a good score of 77 to a "gauge" showing a score of 45. I have driven in the car with her on many occasions and her driving is very good and responsible and does not warrant these penalties. She is a home carer and her car is essential. She has schedules to meet from her employer and it would appear now she is set up to fail. After this year is over we will NEVER insure with the Coop again!! Shocking. The black box is not about safe driving, its about bumping up the premium. Massive lesson learnt. Like a previous mum commented, my step daughter is now more nervous driving because she is so paranoid about her scores!!!! One thing I learned today, I ll be checking TrustPilot for all future insurance purchases. If CooP really wanted to help young drivers, the dashboard would be set up to encourage them by "setting an actual target to avoid a £'s fine." The dashboard is vague, vague, vague.”

Posted 3 years ago

“Damaged my vehicle and had me sign a form with out telling me what it was. They provided no way for me to view any of the documentation I was signing for. they also over charged me on a change of vehicle by £300 and then refused to accept this was their mistake. After about 5 hours of phone calls an a refundbwas appointed. DO NOT PURCHASED! AVOID AT ALL COSTES”

Posted 3 years ago

“I'm a new driver, been driving about 2 months now with a black box. My driving score is 90/100... so I don't know why people are complaining about the black box if they're driving safely? Also, just changed my address from a high risk area to a 'normal' one and my insurance premium dropped by hundreds of £s. If you're a good young driver (I can be overly cautious at times but clearly helps with score and it's only for 1 year until it's cheaper to renew without a black box). Would recommend.”

Posted 4 years ago

“I would not recommend using this insurance company. I took out car insurance for my son, who had recently passed his driving test. Because our circumstances changed, we had to cancel the insurance policy half way through the year. As well as having to pay a £120 cancellation fee, the Co-op added another £53 on top of the original cost of the insuranc, in relation to his black box driving scores. His scores have never fallen below 'good' and so I expected the cost of the insurance to remain the same. When I questioned how they work out their costs in comparison to the driving scores they were unable to provide me with this information, making the whole process very ambiguous. It seems to me like a licence to print money ie. the price of the policy will vary depending on your scores but we're not going to tell you how we work this information out, we'll just charge you.”

Posted 4 years ago

“I have tried to contact them today to cancel my policy but unfortunately can not do it on line or on my portal which I am not happy about at all . I have to now wait until Monday to contact them by phone to cancel my policy . I will have to pay for two additional days insurance for no reason when I want to cancel my policy today .”

Posted 4 years ago

“They never showed up to fit the black box. The black box company are impossible to get hold of. Avoid this company for your insurance needs.”

Posted 4 years ago

“If I could give this company a zero I would,paid 1200 upfront for insurance with black box,score started at 87 why not 100 they now claim she speeds constantly so I asked for a spreadsheet of all the data,what I saw shocked me,motorway is obviously 70 the spreadsheet was in KM so I used the AA and police websites to convert so 70mph is 112.654 they recorded her doing 113 yes people will argue but its still speeding even the police would only caution at 79,secondly cornering its a well known fact an old 2007 fiestas suspension is not going to be as good as a brand new car ,they have recorded one road as 40mph and again we have checked añd its 50 she was doing 46,I am taking this all the way,first discount was 204 which we have never received,the next one the penalised us 79 the other 2 nothing as her score stayed the same,please avoid this company as it stands we have till April so let's see what happens between now and then but its now got my daughter so anxious she rarely now drives,lots of paperwork to sort out for the complaint but I know it's going to be worth it”

Posted 4 years ago

“Insured my daughter in August 2019 , she’s always had a driving score of 81 which is excellent and after 3 month we were rewarded with money back off our premium which we had paid in full, recently her driving score fell 3 points to 78 which is in the dashboard still very good, however after the next 3 month review the co op took £91 back out of our account as her score had fell slightly, the fact they can take this amount of money with only a very small change in score and still been classed as very good on the dashboard is quite distressing, my point being her driving is still very good and yet we are still being penalised, there was also very poor communication as on the dashboard inbox there were no messages or any flags to say there was new correspondence , overall very disappointed, we will not be using the co op young drivers insurance again, also we are going to look into this matter further by contacting a financial ombudsman”

Posted 4 years ago

“I will never use coop for insurance again. Insurance was cancelled due to v5 document being in the wrong name, I offered to get this corrected but wasn’t accepted. Trying to get a senior person to talk to was impossible when I called them, and promised calls were not received with excuses they had the wrong number. Still waiting to be refunded after 2 weeks and no money to buy a new policy !”

Posted 4 years ago

“was insured for a year and a half and I do not recommend. I completely understand the idea of a black box and safe driving, but co op increased my monthly payments because my score went down literally a couple points but was still well in the ‘good’ bracket. I found it incredibly stressful that a separate finance company managed the payments instead of co op itself and I was constantly receiving confusing emails that made me unclear of what was happening. Getting through to anyone on the phone takes forever and is also very stressful, and I often got charged extra just for the phonecall. A curfew on a black box is also something that needs to be a thing of the past as it’s ridiculous to assume someone old enough to drive a car doesn’t have responsibilities that require driving late sometimes. I really do not recommend this insurance - especially as a student as my time with co op only made me frustrated and stressed”

Posted 4 years ago

“Just bought our daughter new number plate they have just changed £15 to change over 10 seconds work for £15 and on phone for 10 minutes which they charge you for a joke”

Posted 4 years ago

“Insured my car with young drivers so my son could drive it as well, the box was fitted and since then the blow heater keeps switching off!! Cancelled insurance after 3 weeks as the wanted to increase by £1300 because no claims can only be used on one vehicle? Switched and went to get the smart box taken out by local garage to find out they had hard wired the box and tracker to the egnition and wiring of the car so if it comes out the car won’t start, they’ve damaged the wiring of my car, everything keeps shutting down, I’m soooooo angry!! DO NOT USE THIS INSURANCE ITS A RIP OFF SCAM, wish I’d taken note of reviews before I signed up, I’ve lost my £500 upfront cost as installation of box, cancellation fee etc taken out! Will be sending them a bill for damage to wiring if car though!!!”

Posted 4 years ago

“I took this policy out at the test centre so my son could drive straight away. Everything seemed ok, blackbox got installed etc. Then my son began getting issues with his "scores". He would be penalised for things such as having to do an emergency brake if a police car needed to pass in a compromising situation etc so they started charging him fees of £85. I regularly drive with my son and he drives so carefully and with a lot of attention, he used to be so confident but now all of this from CO-Operative has left him feeling like he doesn't want to use the car anymore. I think it's a disgrace, my son has dashcam evidence of his driving which also shows his driving. DO NOT BUY INSURANCE FROM THIS COMPANY!!!!!!!!”

Posted 4 years ago

“Very good, haven’t drove that sensible when I first passed and my score stayed above 90 and I got £215 back in the first 3 months and I am about to get my 2nd discount , very good , not strict and they are 100% worth it”

Posted 4 years ago

“So I'm 18 now renewing my policy for 2nd year and in all fairness they've been absolutely spot on I've had a 400 pound refund after 90 days and since has stayed the same even tho I've drop from a score of 90 to 70 never had any phone calls and the box doesnt seem to be strict in any way”

Posted 4 years ago

“I uploaded my NCB in time, but four days later we received a letter telling me it hadn't been accepted as. the letter head wasn't showing on the screen shot - you'd think all I had to do was re-send it - a simple mistake, but instead they told me I now had to pay £800 extra for the insurance, on top of the £1,400 we were already paying. When I called them up, I was told their internal comms had now told them they could only accept NCB certificates that were uploaded within 7 days , even though our letter said we had 14 days. It went from bad to worse - we cancelled the insurance after repeated miscommunications from their side. You just don't want to be dealing with this sort of set up if you did have an accident.”

Posted 4 years ago

“Son is currently insured with Co-op since he passes his test. In his first 90 days he made it into the Good area of the dashboard with a score of 63 and was rewarded with a slight refund. Great, we thought! However, in his second 90 days he has dropped 3 points to 60 which is the threshold for standard. Fine we thought, until a penalty of £76 for dropping a category!!! Yes, reward above average drivers, but being penalised for being standard!! Fine if he went into poor or very poor, phoned to be given no definitive explanation as to why you get a penalty for being standard, considering thats what you start at?? You would be as well not trying to better your driving score as if it falls for any reason you will be penalised.”

Posted 4 years ago

“Don’t bother young insurance it says 17 -21 put all my details in and comes back so you are under 21 can’t give you a quote why out 17-21”

Posted 4 years ago

“Very very bad insurance”

Posted 4 years ago

“Hi bought this for myself I am 41 and male. Been driving with it for a few months. It's made me a much better driver. Tried the app first, great to see where you are going wrong. Knowing someone is checking really does change your behaviour. I will be getting it again next year. 😀”

Posted 4 years ago

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The Co-operative Young Driver is rated 1.7 based on 132 reviews