Rising licence points highlight need for careful winter driving
Prices from£220
Car insurance
Cover every adventure with Co-op Insurance
10% of new direct customers paid £220 annually for comprehensive cover between July and September 2025. Excludes add ons.
Prices from£220
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.
Supporting local causes
Members choose how we spend some of our profits in your community.
Membership discount
Co-op Members get our best prices. Discount excludes add ons. Become a member
Our car insurance policies
We offer two types of car insurance: comprehensive, and third party, fire and theft.
Comprehensive gives you the most cover, but it usually costs more. Third party, fire and theft is a simpler option and tends to be cheaper. With either type, you can choose add ons like breakdown help or legal support.
Comprehensive car insurance
This is our highest level of cover. It protects your car if it’s damaged, even if the accident is your fault. It also covers fire, theft and some injury claims. You get extra benefits too, such as 24/7 accident recovery if your car can’t be driven after a crash.
Third party, fire and theft
This covers damage to other people’s cars and injuries to other people. It also covers your car if it’s stolen or damaged by fire. It doesn’t cover damage to your own car or if you’re hurt in an accident.
Compare our car insurance cover
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 |
Personal belongings cover | ||
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
Personal belongings cover
if your things are stolen or damaged while in your car
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.
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
How your car insurance is calculated
Here are some of the things that affect the price of your car insurance:
- Insurance Premium Tax (IPT) – there’s a 12% tax set by the government that’s added to all car insurance.
- your age and driving history – older drivers and those who’ve been driving longer usually pay less.
- where you live – we look at claim levels in your area, like theft, damage, or busy roads.
- your car – some cars cost more to insure, based on their make, model, and past claims.
- how you use your car – if you drive a lot or use your car to get to work, you might pay more.
Ways to get cheaper car insurance
These tips could help lower the cost of your car insurance if it seems high:
- become a member – Co-op members get an exclusive discount on car insurance if matched with our membership database during the quote process. This discount is not available on add ons.
- build up your No Claims Discount (NCD) - if you do not make a claim this year, you can save money in the future.
- get a quote 28 days before your renewal date – prices are often cheaper if you look early.
- pick a higher voluntary excess – this is what you pay if you claim. A higher amount can lower your price, but it will mean you will get less back when you make a claim. Make sure you choose an amount that you can afford to pay if you need to make a claim
- employment status - check the occupation details you've given are correct and let us know if they change. What you do for a living can affect how much you pay for insurance.
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.