Make a home insurance claim online and one of our colleagues will be in touch.
If it's an emergency claim such as your home being unsafe, unsecure, uninhabitable, or you've lost essential amenities such as gas or electric, please call us.
To make a claim call Co-op Legal Services on 0330 606 9504^.
To make a claim call AXA Assistance (UK) Ltd on 0345 607 6472^.
All lines are open 24 hours a day, 7 days a week.
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This is the number of floors. Do not include:
Usually have a ground floor used for the living space and kitchen. Examples of these kind of houses include:
Usually have the living space, kitchen, bedrooms and bathroom on the same floor. Examples of single-storey properties include:
If you live in a block of flats, count the number of floors within your own flat.
If you are still not sure how many storeys you have, get in touch on 03457 46 46 46^ and our advisors will help you to decide.
We’ll insure your hearing aids under our standard contents insurance. We cover them against loss or damage caused by:
You’ll need to add optional personal possessions cover. This will cover you for up to £2000 against:
We’ll send you a renewal invitation at least three weeks before your renewal date.
Your policy will renew automatically.
If any details have changed please call us on 0345 600 2918^.
If we’re unable to take the first direct debit payment we’ll cancel your policy on your renewal date.
Please get in touch on or before your renewal date on 0345 600 2918^ to:
Co-op Legal Expenses cover offers up to £50,000 in costs to pursue your legal rights. Common uses of legal expenses cover include:
You’ll also get access to a 24/7 legal advice helpline for you and your family on any personal legal matter.
This cover comes as part of your home insurance policy as standard.
We will not cover any legal costs incurred before we have accepted your claim in writing.
Your no claim discount (NCD) will go up each time you renew if you have not made a claim in the last 12 months.
When you reach 40% NCD you can protect your discount for an extra premium.
Your discount stays the same, but not the cost of your premium.
Our contents insurance will cover your bike against:
A limit of £2000 applies if your bike is stolen from outbuildings. A limit of £500 applies for loss or damage that happens in the garden.
We will not accept claims for bikes left in a public space and not locked to a fixed point.
To add cover for your bike away from home, get in touch on 03457 46 46 46^ or add the extra cover when you buy your policy.
You’ll need to add personal possessions cover.
You’ll need to add your bike as a specified personal possession.
We’ll refund the premium for the time on cover you have not used.
You’ll need to get in touch within 14 days of receiving your policy documents to do this.
We’ll refund the premium for the time on cover you’ve not used at our short-period rates.
Call us on 03457 46 46 46^
Write to us at:
General Insurance Operations Processing
PO Box 67
Get in touch on 03457 46 46 46^ to make a change to your policy cover.
We will not charge you a fee for making the change.
Your premium may increase or decrease as a result of the change you have made.
Our contents insurance covers accidental damage to some items as standard.
For example, accidental damage caused to:
Portable items such as:
You can add personal possessions cover to your insurance to cover portable items against loss or accidental damage.
We define accidental damage as:
physical damage caused suddenly by an external event that's unexpected and not deliberate.
Optional accidental damage cover insures you against, for example:
We can only give you a quote if your home's built with:
and has a roof mainly made of:
We cannot provide a quote online if you or anyone living with you has:
To get a quote for home insurance get in touch on 03457 46 46 46^
If you have optional personal possessions cover we'll cover you for up to 60 days in any one period of insurance.
High-risk items include :
You need to arrange specific cover for high risk items or personal belongings worth over £2,000.
You can add these items to your policy by calling 03457 46 46 46^.
The law considers grey squirrels as vermin so HomeRescue Plus will cover you for their removal.
Red squirrels are protected by law and may not be removed.
We can only cover existing customers where subsidence is a known problem.
Insurers will not generally insure buildings that suffer from existing subsidence.
If your home has suffered from subsidence, your current buildings insurer is your best option.
Our home insurance excludes damage to your home caused by your pets:
We’ll provide third-party liability cover for damage or loss caused by your pets. This is only available if your pet is not insured elsewhere, for example as part of dog insurance.
This cover only applies to the following domestic animals:
Our contents insurance will cover your instrument against:
This cover is useful if you take your instrument to music lessons or band practice, or even on the road gigging.
To add this cover, get in touch on 03457 46 46 46^ or add the extra cover when you buy your policy.
You’ll need to add your instrument as a specified personal possession.
You must report any circumstances which may result in a claim to us as soon as possible.
You must call the police immediately if there’s any damage or loss caused by:
We’ll cover your child’s possessions for up to £5,000 as long as:
You may need to add optional personal possessions if they have:
We won’t cover your child at university for:
They will need their own contents insurance policy if they need this sort of cover.
You can take in up to 2 lodgers or paying guests.
Both buildings and contents insurance are available, including optional accidental damage cover.
Theft and malicious damage to buildings and contents will only be covered when:
If you want to rent out your home, or any part of it, you need to get landlord’s insurance. Our home insurance will not cover you.
You should take all the necessary precautions to protect your home to prevent any loss or damage.
We assess your security when you apply for our home insurance. We may specify that you have to add locks or other security to be covered by our insurance.
If so, we’ll let you know about these when you apply for cover.
Our contents insurance will cover your mobility scooter against:
We’ll also cover you for legal liability, as long as your scooter is not one designed to be used on the road.
You’ll need to add personal possessions cover to your contents insurance. We’ll cover each mobility scooter for up to £1,000.
If your laptop is worth less than £2,000, you need to add personal possessions cover to your contents policy.
If you need more cover than this you'll need to add it as a specified personal possession.
To add this cover, get in touch on 03457 46 46 46^.
No. We only cover buildings and contents at the address covered by your policy.
If your garage is on the same site as your home, it's covered by your home insurance policy.
Find out more.
We’ll send a renewal notice out to you 3 weeks before your renewal date.
If you do not want your policy to renew please get in touch on 0345 600 2918^. If you do not do this, your policy will renew automatically.
You don’t need to do anything. The policy will expire at midnight on your renewal date.
Your chosen excess of £50, £100, £150 or £300 applies. This is the level of excess you chose when you bought your policy.
Extra excesses may also apply:
The following excesses apply:
There’s no excess to pay for HomeRescue Plus claims.
If you leave your home unoccupied for more than 60 consecutive days then we reduce your level of cover.
Some of the main exclusions are against loss or damage caused by:
You will still be covered against loss or damage caused by:
We’ll cover loss or damage to food caused by:
There is a limit of £1000 for each time this happens.
Our buildings and contents insurance covers:
The outbuildings must be at the address of the home you’re insuring.
If the claim is for theft, there's a limit of £2,000 in total for contents.
Our buildings insurance covers flat roofs as long as they consist of any of these materials:
Carpets are covered under contents insurance.
Yes, we give a no claim discount (NCD) on both our buildings and contents insurance policies.
Buildings and contents have their own NCD, so a claim on one will not affect the NCD of the other.
If you have 40% NCD, you can protect your NCD for an extra premium
Yes, except for clothing and linen.
Your policy will not cover wear and tear to contents not caused by an insured event.
For example, the policy does not cover a carpet that has worn through due to use. We would replace the carpet new for old if your home was flooded, whatever its condition.
Our buildings insurance covers you as standard against accidental damage to:
We define accidental damage as: physical damage caused suddenly by an external event that's unexpected and not deliberate.
We’ll insure your false teeth under our standard contents insurance. We cover them against loss or damage caused by:
Optional buildings accidental damage protects your buildings against certain types of accidental damage.
This gives broader accidental damage cover than you get as standard with our buildings insurance.
For example, it covers damage caused by:
Our standard buildings insurance covers accidental damage and breakage of:
Find out more