The Co-operative Young Driver Reviews

Name: The Co-operative Young Driver
Rating: 1.67

1.7 Rating 132 Reviews

15 %

of reviewers recommend The Co-operative Young Driver

Company Reviews

Questions

Metrics

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

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

“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.”

Helpful Report

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”

Helpful Report

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”

Helpful Report

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 !”

Helpful Report

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”

Helpful Report

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”

Helpful Report

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!!!”

Helpful Report

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!!!!!!!!”

Helpful Report

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.”

Helpful Report

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”

Helpful Report

Posted 4 years ago

“Very very bad insurance”

Helpful Report

Posted 4 years ago

“One of the most expensive (over 47% increase in the policy cost) when any information needs amending or adjusting and one of the most expensive for cancelling the policy (the cost became so prohibitive that had to be cancelled) £120 for cancelling within the first 14 days plus administration cost plus the cost of the insurance days used.”

Helpful Report

Posted 4 years ago

“wish I'd read these reviews before starting the policy, cancelling after just six days, annoying they'll be charging cancelling fees for the privilege of experiencing such a sloppy business. Co-Op - please read and address these issues, you're embarrassing the brand. Your contractor installing dashboard boxes is useless - sends emails asking to confirm installation date, but despite sending 3 confirmations to supplied email address as request kept coming, installation was cancelled. Why not just email a link that can be clicked to confirm like every other website does ? And don't ask to call your number, only to be told "we're really busy, call back later" as the default message... Then all the requirements to send documents - been insuring cars for 30 years, no other company requires this. There are now online databases to get licence and insurance details, you don't need the rigmarole of 'log in to gov.uk, request, code, print pdf, send image'. Copy of statements to confirm address ? what's that all about, even banks have stopped that. Feels like this operation has been set up by amatuers, wanting a piece of the lucrative young persons car insurance pie. Be careful...”

Helpful Report

Posted 4 years ago

“I insured my car with this company for three years. Not once had a reduction in cost, fitted a smart box tracker to my near new car purchased last year and damaged the fuse board on the car beyond repair. Left me with no heating in the middle of winter, unable to drive car and a £2000 bill from the garage to fix all of the damage caused by the engineer sent to fit the box by the co-operative. Nothing done to rectify this and constantly contradicted and questioned on information i was given by the garage, then refused to speak to them full stop. Ended the saga with a condescending phone call from the rudest woman i have ever encountered telling me that despite the thousands of pounds that i paid them in the past to ensure with them "there is nothing further we can do and you will just have to deal with the cost yourself as it is not our problem" DO NOT INSURE WITH THE CO-OPERATIVE!!”

Helpful Report

Posted 4 years ago

“the Customer service was awful I tried calling them and it took me ages to get through the menu when I called up and then when I finally got to the stage where it would connect me they hung up and said they were closed”

Helpful Report

Posted 4 years ago

“The staff taking my insurance information clearly didn't know what they were doing. I was on the phone for nearly an hour trying to sort insurance out. After speaking to a second member of staff it was apparent they knew less than the first person. I ended the call. phoned another company and was sorted in under 15 minutes. Very poor service.”

Helpful Report

Posted 4 years ago

“I was told that I urgently had to get a smartbox installed even before the documents were uploaded. I did so and a month later they cancelled my insurance with one letter arriving two days before and was told that I had a speeding ticket which I had genuinely forgotten about. I thought fair enough and was prepared to pay more but was told no and they then said that they would charge 120 for cancellation and 90 for removal of smart box. I tried to complain but got nowhere. I also tried to change it to my husband's name as his name on log book but this was unacceptable and was told that I would need to pay all the money regardless of whether he took out policy or not. Funny thing is that took like an hour to get an email to complain - they didn't want me to complain - wanted their own procedures - when I finally did I was told that if I send an email I have to also let them know. Worse car insurance experience - overcomplicated, money grabby and unhelpful.”

Helpful Report

Posted 5 years ago

“Constantly threatening to cancel policy if correct documents are not uploaded. I'm sorry but I've got better things to do than an insurance company's legwork. If it wasn't for the cost implications I would cancel the policy. Do not touch them it's more hassle than it's worth. My 17 yr old daughter does not have household bills as proof of address as I imagine most teenagers don't, I scanned her passport in to prove she's a real person but this is not good enough, really! Also not fussed on learner drivers having a black box, they're are learning and are prone to mistakes and shouldn't be penalised for them, surely the box should be fitted when they're set free and responsible for their own driving standards. Rant over, I'm off to talk to Aviva!”

Helpful Report

Posted 5 years ago

“The lack of communication has been absolutely atrocious. I made a claim and pretty much from day one was having to chase up the company that hit my car myself. The incident happened in November and it has been resolved in the last week or so, in that time period co-op have made ONE call to the company that hit my car to try and chase a response and sent several letters. I have called the company on numerous occasions chasing insurance details, only in the last couple of weeks having any luck in them admitting liability for the accident. I called co-op to inform them of this only to be told they were already aware of this a number of weeks ago, but no one bothered to inform me, so essentially I’ve wasted my own time chasing for something that had already been communicated to my insurer. On that same phone that I had been informed that the company had admitted liability, I was then told that the garage would now be informed that I did not need to pay the excess, and essentially if I hadn’t have called them I still would’ve liable for the excess (my phone call prompted the garage to be informed). Then as the cherry on top of the cake, I was provided with a courtesy car whilst my car was being repaired, but when the courtesy car was collected it was noted that there was a chip in the windscreen, I was then on the spot told to call co-op who then put me through to a company they refer to for windscreen repairs and I booked an appointment that was supposed to be carried out today. I have in the last two hours received a call from the company carrying out the windscreen repairs saying they can not locate the vehicle at the address that was provided (the garage the car was going back to). So I then had to contact the garage only to be told that the car had been given to someone else for a further week as a courtesy car therefore risking the chip to crack, implicating further costs for me; what an absolute joke. There is no way on earth I will be continuing my insurance with this diabolical company and the lack of communication they provide. I am hugely annoyed and frustrated at the lack of communication going on here and that I have had to chase up repairs for a car that I do not own (in regard to the courtesy car)... NOT HAPPY.”

Helpful Report

Posted 5 years ago

“Be very carefull if you insure with Coop young driver. Ive just had my policy cancelled after being charged for a black box being fitted. there is virtually no discrepancies allowed when you provide your driver information. simply not worth the hassle and will cost you more in the long run”

Helpful Report

Posted 5 years ago

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