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Car Insurance

We’ll offset 10% of your car’s CO2 emissions

For the first year of your policy. Calculated from the average UK passenger car emitting 2.4 tonnes of CO2 and travelling an average 7,800 miles per year, based on 2016 DEFRA and DfT figures.

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Why choose us?

We understand that being without your car can be inconvenient. From school runs to commutes and even weekly shops, we rely on our beloved motors to get us from A to B.

We’re dedicated to ensuring that our car insurance will have you back on the road as soon as possible. With a range of insurance options on offer, you can choose the right cover for you.

No Claim Discount 

70% No Claim Discount for 5 or more claim free years, plus find out how you can protect your No Claim Discount.

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Courtesy car provided as standard 

Whilst yours is being repaired by a Co-op approved repairer following an insured incident.

24 hour accident recovery service 

We’ll arrange for your car to be recovered if you can’t safely drive it after an insured accident.

Replacement of keys 

If your car keys are stolen, we will arrange and pay for locks to be replaced up to a maximum of £750, unless the keys are left in or on the vehicle whilst it is unoccupied.

Optional Extras 

On top of our comprehensive cover, you can add optional extras to tailor your coverage to your needs.


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 online for further details.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Breakdown offer only applies when purchased with Co-op Car Insurance. Not available on Co-op Ecoinsurance.
Motor Breakdown Cover and Accident Recovery Service are provided on behalf of Co-op Insurance by AXA Assistance (U.K.) Ltd; Registered in England and Wales under company number 02638890. Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (U.K.) Ltd is authorised and regulated by the Financial Conduct Authority under register number 439069.

Motor Legal Expenses cover is underwritten by CIS General Insurance Limited, with the legal services provided by Co-op Legal Services, a trading name of Co-operative Legal Services Limited; registered in England and Wales under company number 05671209. Registered office: 1 Angel Square, Manchester M60 0AG. Co-op Legal Services is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. Co-op Legal Services' professional rules are set out in the SRA Code of Conduct. The SRA Handbook, which includes the SRA Code of Conduct, is available online at www.sra.org.uk/handbook.

Applicants for insurance are subject to normal underwriting criteria.

A new customer is someone who has not had a car policy with Co‑op Insurance in the last 12 months for the same vehicle.

Are you a Young Driver?

On average our customers get back £120 in their first year*

Are you aged 17-24? You could benefit from our Young Driver Insurance. With Smartbox technology and a free smartphone app, you could earn Safer Driving Discounts every 3 months and save on your insurance premium.

*Average customer discount given in year one Mar 2011 - Jun 2017. Maximum discount available is 22.5% off your premium; your actual discount is dependent on your driving score over the year. Your premium may go up as well as down dependent on your driving score throughout the year - but never by more than 20% over the course of the year.