Car insurance

Good for you...

We offer more cover as standard with our affordable car insurance. Click text below to expand on the benefits

• Up to 10% discount if you apply online
  you are guaranteed a cheaper premium if you apply online, depending on your circumstances this could be as much as a 10% saving. The level of discount you are entitled to will depend on risk features such as your age, the age of any additional drivers and the type of car you drive.
• Up to 70% No Claim Discount available
  with the option to protect your hard earned No Claim Discount for an additional premium thereby ensuring that future quotes remain affordable. Terms and Conditions apply.
• Comprehensive or third party fire and theft
  Select whichever quote best suits your needs and budget.
• Named drivers earn No Claim Discount
  named drivers on your policy can earn No Claim Discount so that when they take out their own Co-operative Car Insurance policy they don't have to build it up from scratch. Terms and Conditions apply.
• Courtesy car, as standard
  whilst your car is being repaired at one of our approved repairers, we'll provide a courtesy car to keep you on the road. Subject to availability.
• Child car seat replacement cover
  our claims department ensure they follow ROSPA recommendations to replace car seats even when no visible damage is apparent following an accident. Comprehensive policies only.
• Theft of keys cover
  Co-operative car insurance provides you with up to £750 of cover to replace locks if your car keys are stolen.
• Free accident recovery service
  if your car is immobile or unsafe to drive due to an accident, call our Helpline and we'll arrange for your car to be taken to a suitable repairer. From then on you can trust our UK-based claims handlers to provide a friendly and experienced service to get you back on the road as soon as possible.
• 30 days EU cover at no extra cost
  so when you go on holiday you'll enjoy a similar level of car insurance cover as you do in the UK.

Good for the environment...

• We'll offset 20% of your car's CO2 emissions
  by investing in projects like rainforest reforestation, renewable energy sources and energy efficiency. The offset is based on an average passenger car, with average annual mileage.
• Responsible repair network
  we make sure that repairers reuse and recycle materials like old body panels and plastic parts wherever possible.
• Our Ethical Engagement Policy
  In June 2005, The Co-operative Insurance became the world's first insurance company to launch a customer-led ethical policy to guide the ethical performance of its investments. Developed with the support of customers, our Ethical Engagement Policy reflects our customers' views on a range of ethical issues: from human rights to the transfer of arms to oppressive regimes; and from the environment to animal welfare: Find out more.

Optional extras...

• Motor Legal Expenses Insurance
  did you realise that in the event of an accident that isn’t your fault you would still be liable for paying your excess? Our legal expenses cover will help in claiming back this cost and other costs you may incur. Such as hiring a car whilst yours is off the road, loss of earnings, medical and travel expenses. Find out more.
• Enhanced Courtesy Car
  Our standard cover provides a 1 litre car (subject to availability) whilst your vehicle is in for repairs. But had you thought about how you would keep you and your family on the road if your car gets stolen, written off or left immobile following an accident? For a small additional premium you can keep on moving with a saloon or hatchback car with a similar engine size to your own (upto a maximum of 1800cc) provided through our Enhanced Courtesy Car cover. Find out more.
• The Co-operative Car Insurance Breakdown Cover
  with an average response time of 40 minutes, our breakdown service will aim to get your car moving again as quickly as possible. You will find our roadside rescue and assistance package difficult to beat on either cover or price – and it even covers your car on your trips to Europe too! Find out more.
• Extended foreign use
  take your car on regular holidays to Europe? Then consider taking out our extended foreign use cover. It will provide you with 365 days EU car insurance cover at a similar level to that you enjoy in the UK. Find out more