Co op Home Insurance Review and Quotes

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if Co op is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on Co op home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Co op the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Co op's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,6 Safe overall rating for Co op

	Safe rating	Our opinion
Customer service & satisfaction and claims		Manu helplines for customers Only one level of cover rated 3 stars by Defaqto Poor customers reviews
Cover provided for your home		Average contents insurance compensation limits Standard excess of £50 (but possibility to pay higher excess) Only £500 000 maximum sum insured limit for building insurance
Value for money		20% discount when buying online No adjustments, cancellation fees Guarantee of 30% NCD if no claim within the last 12 months Very affordable rates: 10% of customers paid £78 or less in 2017 Charges on monthly payments
Financial strength		Underwritten by Co-op insurance, trading name of CIS General Insurance Limited, regulated by FCA
Technology		Customer portal available Claim form online Customer service email for claims available No livechat option No quotes online for houses with more than 5 bedrooms, or higher than 3 storeys

Expert and customer satisfaction reviews for Co op home insurance

Review organisation	Co op home insurance reviews
Defaqto expert
Reviews	3,7/5 based on 280 customers reviews
Overall Which? Score	69%

Our general opinion on Co op home insurance

Co-op insurance provides one level of cover for home, rated 3 stars by Defaqto, which means that the company's plan rank among policies providing average features and benefits. It also explains why Co-op home insurance rates are very affordable. You can also choose to pay a higher excess which will make your premium even lower.
The offer is clearly stated on the website.

You can insure up to £500K for building insurance, and £80K for contents insurance.
Co-op will provide up to £50K alternative accommodation compensation in case your home is damaged.
Home emergency and accidental damage are available as optional extras. Legal expense cover is included as standard.

The Co-op home insurance will suit people with no particular needs for insuring high value home and contents.

What does Co op home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at Co op will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at Co op covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Co op buildings and contents insurance

Co op provides three main types of household insurance:

• Buildings insurance
• Contents and personal possessions insurance
• Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Co op building insurance	Limits
Maximum sum insured	£500 000
Owner liability	£2 000 000
Alternative emergency accomodation	£50 000
Period of home's unoccupancy cover	60 days
Repairs guarantee period	1 year
Trace and access	£5 000
Burst pipe	As standard
Blockage of sewer pipe	As standard
Gradual build-up of groundwater	Not covered
Subsidence	As standard
Underground services	As standard
Keys cover	£500 theft - £200 loss
Flood and storm damage (except for fences)	As standard

Let’s have a look now at Esure contents insurance limits:

Contents insurance	Limits
Maximum sum insured	£80 000
Owner liability	£2 000 000
Alternative emergency accomodation	£16 000
Period of home's unoccupancy cover	60 days
Damage made by pets	Not covered
Contents kept in garden	£500
Contents kept in outbuildings (garage included)	£80 000
Thefts from outbuildings	£2 000
Single item limit for valuables	£2 000
Items temporarily removed from home	£16 000
Money in and outside the home	Inside: £500 Outside: £500 (under personal possessions cover - optional extra)
Credit cards in and outside the home	Inside: £500 Outside: £500 (under personal possessions cover - optional extra)
Business equipment kept at home	£5 000
Student equipment	£5 000
Keys cover	£500 theft - £200 loss

Co op home insurance additional cover

On top of your Co op buildings and contents insurance, you can find additional cover such as:

	Home insurance additional cover
Accidental damage cover	Optional extra
Home emergency	Optional extra Up to £250 limit per call out Up to £100 limit for emergency accommodation
Boiler cover	Part of the home emergency optional extra Up to £250 for boiler repair Boiler replacement not covered
Legal protection	Included as standard Up to £50 000 for expert lawyers fees
Personal possessions	Optional extra Up to £17 500 for personal possessions cover at home Up to £5 000 for single item limit away from home Up to £17 500 limit for personal possessions kept in a car
Mobile cover	Part of the personal possessions cover Up to £250 limit
Bicycle cover	Part of the personal possessions cover Up to £2 500 limit

Co op home insurance excess

The deductible you'll have to pay in case of claims are as described below:

	For both building and contents insurance
Excess for standard claims	£50
Excess for escape water claims	£250
Excess for subsidence claims	£1 000
Excess for personal possessions	£50
Excess for keys	£50

Co op home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Co op fees are as follows:

	Fees applied to manage your Co ophouse policy
Interests on payment installments	15,40%
To renew my policy	£0
To adjust my policy	£0
To duplicate documents	£0
To cancel my policy during cooling-off period	£0
To cancel my policy outside cooling-off period	£0
For payment default	£0
To switch from one insurer to Co op	Not covered

How much does Co op home insurance cost?

You will below indicative quotes for building and contents insurance at Co op:

	Building insurance	Contents insurance
Excess	£50	£50
Home cover	Building: £250 000 Contents: £20 000 Personal items: £4 000	Building: £500 000 Contents: £50 000 Personal items: £8 000
Premium	£177,17	£347,64

It is very difficult to give a precise range of how much exactly will your home insurance cost at Co op as it will mainly depend on:

• The insurance you apply for (building, contents, combined insurance, extras)
• Your address
• Your claim record
• The insured value of your home and of your personal belongings, etc.

Co op will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Co op home insurance discounts available

• No discounts for buying combined policy
• 20% discount on your home insurance premiums when buying online.

How do I a claim on Co op home insurance?

At Co-op insurance, you can make a claim, either by calling the claim management team, by email, or by clicking the claim online form as mentioned below.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

	How to claim on Co op home insurance?
Claim by email	[email protected]
Claim online	Claim form
Claim by phone	0345 999 8888 Mon - Fri: 9am - 5pm

How can I cancel Co op house insurance?

To cancel your Co op house insurance, here is what you need to know:

	Cancelling your home insurance at Co op
Cancellation notice if Co op cancel your policy	7 days
Cancellation fees	Fees during cooling-off period: £0 Fees outside cooling-off period: £0
Cancel by mail	Co-op Insurance, PO Box 67, Mitcheldean, Gloucestershire, GL17 0ZA
Cancel by phone	0345 999 8888 Monday 9am - 5pm

How to contact Co op home insurance?

Services	Phone numbers	Opening hours
Claims	0345 999 8888	Mon - Fri: 9am – 5pm
Quote	03457 46 46 46	Mon - Fri: 9am – 6pm Sat: 9am - 4pm Sun: 10am - 2pm
Policy cancellation	03457 46 46 46	Mon - Fri: 9am – 6pm Sat: 9am – 4pm Sun: 10am – 2pm
Policy renewal	0345 600 2918	Mon - Fri: 9am – 6pm Sat: 9am – 4pm Sun: 10am – 2pm
Complaints	03457 46 46 46	Mon - Fri: 9am – 6pm Sat: 9am – 4pm Sun: 10am – 2pm

Co op home insurance contact details

	Co op contact details
Co op address	Co-op Insurance, PO Box 67, Mitcheldean, Gloucestershire, GL17 0ZA
Customer service email	[email protected]
Chatbot available	Not available

How do I get Co op home insurance quotes?

To get a quote online at Co op, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Co op is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Co op home insurance quotes, you will need to provide:

• Your personal information: ID, age, phone number and job
• Your address and postcode
• Your homeowner record (claims included)
• Your home description (type of property, the date it was built, how many square metres inside and outside)
• Your property related status: do you own it, rent it, have a mortgage on it, etc.
• Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

• Are you a first-time buyer?
• Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
• Has the property ever been damaged by flood?
• Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Co op house insurance quote

• Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
• Increase the excess amount you are willing to pay in case you make a claim.
• Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
• Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
• Consider index-linked cover for building insurance to follow prices of building materials.