How to maintain your car
Car insurance
Cover every adventure with Co-op Insurance
Car insurance is offered through Co-op Insurance Services and provided by a select panel of insurers. 10% of new direct customers paid £230 annually for comprehensive cover between April and June 2025. Excludes add-ons.
Prices from£230
Prices from£230
Reasons to choose Co-op Car Insurance
When you get a quote, we check prices from a range of car insurance partners to find our best price. Plus, Co-op Members get our cheapest prices.
No claims discount
If you have been insured for more than a year and have not made a claim
Manage your policy online
Make changes, check your renewal and access your documents, simply and quickly.
Over 150 years experience
Put your trust in a brand who have provided insurance since 1867.
Add up to 4 drivers
Flexibility for households so everyone can be covered.
Membership discount
Co-op Members get our best insurance prices, as well as offers and discounts across Co-op Food, Funeralcare and Legal Services.
Supporting local causes
Members choose how we spend some of our profits in your community.
Our types of policies
We offer two different types of cover, comprehensive and third party, fire and theft. Both types of policy cover social, domestic and pleasure journeys as standard.
You can also add commuting and business use when you get your quote.
Comprehensive vs third party, fire and theft
Comprehensive and third party, fire and theft policies offer different levels of cover.
|
Comprehensive |
Third party, fire and theft | |
|---|---|---|
Accident cover | Accident cover included | Accident cover excluded |
24/7 accident recovery | 24/7 accident recovery included | 24/7 accident recovery excluded |
Windscreen repair or replacement | Windscreen repair or replacement included | Windscreen repair or replacement excluded |
Fire cover | Fire cover included | Fire cover included |
Theft cover | Theft cover included | Theft cover included |
Costs for damage you cause | Costs for damage you cause included | Costs for damage you cause included |
Comprehensive
Accident cover
loss or damage to your car
24/7 accident recovery
if you are involved in an accident and your car cannot be safely driven
Windscreen repair or replacement
Fire cover
loss or damage to your car
Theft cover
loss or damage to your car
Costs for damage you cause
to people, their car or property
Third party, fire and theft
Fire cover
loss or damage to your car
Theft cover
loss or damage to your car
Costs for damage you cause
to people, their car or property
Co-op Member Prices
As well as an exclusive price on car insurance, members also get:
- lower prices in our food stores and online
- personalised offers every week
- access to presale tickets for Co-op Live, the UK's biggest arena
- a say in how Co-op is run
If you’re not yet a Co-op Member, you can sign up using the ‘Become a member’ button. This will include a one-off £1 joining fee.
Co-op Members get an exclusive car insurance price. Your discount is applied if you are matched with our membership database during the quote process. This discount is not available on add ons.
Co-op Members can win
to Co-op Live when they buy a new policy
What if your insurance came with tickets to the gig of your dreams? Co-op Members who buy a new insurance policy direct from us by 31 October 2025 can win one of 100 pairs of Dreamseats to Co-op Live.
Add ons
You can add extra cover when you buy your car insurance. These include:
What is car insurance?
Car insurance helps pay if something goes wrong when you’re driving. Some types help pay to fix your car if it’s damaged or stolen. Others only help pay if you damage someone else’s car or property. What’s covered depends on the type you choose. If you make a claim, you’ll usually need to pay an excess – this is the amount you pay yourself before the insurance helps with the rest.
Why do I need car insurance?
You must have car insurance by law, unless your car is registered as off the road. Without insurance, you could incur a fixed penalty and penalty points. Also in some cases you could get an unlimited fine and disqualified from driving if the case went to court.
What Co-op Car Insurance does not cover
There are certain things our insurance does not cover, these include:
- professional driving instruction
- any journeys made as part of motor trade operations
- hiring your car to someone else
- motor racing
- track days
Working with Brake for safer roads
We work with Brake, the road safety charity, because we support their vision of a world with zero road deaths and serious injuries where everyone can move in a safe and healthy way. We take part in several fundraising events each year to help raise awareness and funds for this incredible charity.
Policy documents
- If you are a new customer your policy documents will be shown when you get a quote
- If you are an existing customers you can see your policy documents by logging into your account.
Existing customers
If you're one of our existing customers we're here to help.
Frequently asked questions
Loans
Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.
As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents for further details.
Applicants for insurance are subject to normal underwriting criteria.
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments and from any add ons.