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Co-operative Insurance Society

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    9 Reviews
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      09.03.2014 13:45

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      Good value for money.

      My wife and I have insured our cars with CIS for a few years now. The company was recommended to us by a relative who had previously had to make a claim and had found the company to be very helpful and efficient. The premiums are not the cheapest available if you look on price comparison websites, although neither are they horribly extortionate. For example my own car - a Toyota Rav 4 - is currently just over £400 with six years' no claims (I am a 30 year old man).

      I have however found the extra cost over my previous car insurance provider to be worthwhile, partly as the customer service is very good. You speak to a British call centre (I have no issues with overseas call centres per se but sometimes they can be hard to understand and don't understand you), whose staff I have always found to be pleasant and polite.

      But more importantly, last November I found myself in the unfortunate position of writing my wife's car off after hitting a stretch of black ice. I was lucky to walk away uninjured, but what could have been a very stressful situation was eased greatly by the ease of making the insurance claim, and the speed at which it was processed. In fact, we received a cheque before I had even sent all of my documents to them.

      So I have been pleased with the service we have received so far from CIS, and would happily recommend them to others.

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      11.06.2011 09:49
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      The cheapest available every year but still expensive

      I am now in my fifth year with Co-Operative car insurance. However my premium was originally £340. That was for a Renault 21 TS. Now the premium is £600 five years later even though I have four years with no claims.

      Although I now drive a Saab 900 isn't the no claims bonus supposed to be worth some kind of discount? This price is still the cheapest on the comparision web sites I tried.

      In early January I was quoted £250 on one of the conparision web sites. When I went to get the policy six weeks later it had gone. That was with Saga they now wanted £800 as they requoted me.

      The CO-OP quoted me £280 at the same time in early January and £600 six weeks later although for a different car.

      At this rate it is my last year of driving. The cost of insurance makes it just to expensive to travel 3000 miles a year by car. That is 20p a mile for insurance add to that the 30p a mile petrol now costs a that is 50p a mile. There is then maintenance, road tax on top of that. The milege you do has no influence of the cost of the insurance policy. They refused me insurance as I wanted to park my car on the public road after five year I have given up driving my own car and now rent them when needed it is much cheaper.

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        28.01.2009 23:21
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        A great company offering a good service, expicially for younger drivers.

        I am writing as a customer of CIS insurance from the motor side of the company as I am really impressed with their services.

        I am a 21 year old guy who has a normal car, a 1.1 Peugeot 205, and had been insured with a company called Quinn Direct fot the past 2 years. After returning from Australia I needed insurance again, and with 3 years no claims, I thought that I would be able to find it reasonably cheap. This was not the case. The average price I was facing was around £400-450 which was more than I had been paying the previous year!

        After shopping around I found CIS, who quoted me only £330. I needed a few specific details, and I think that this one is key for younger drivers. They allow you to drive any other car third party, providing you dont own the vehicle, which for me is fantastic. Quinn allowed me to do this but I had not found another company who would, but CIS were by far the cheapest and also allowed this, which was great! Not only did they give me this, I am also allowed to drive abroad for 3 months during the annual policy, which I will certainly find useful as I am planning a trip to Europe over the summer.

        After being impressed with their quote and policy details, I gave them a ring to find that the lady on the other end was extremely helpful, confirming that everything was correct with what I had been quoted and I proceeded to buy the insurance.

        I have not had a problem with them at all during the policy, and recently I had somebody pull out infront of me, which resulted in me making a claim on their insurance.

        I phoned up CIS who helped me through the situation. Organising me a courtesy car, and talking with the other guys insurance company until an agreement was made. They made me a very acceptable offer on the value of my car which I accpeted, although I may have been able to get more, I believed that what they offered was fair.

        So overall, I have found them to be by far the cheapest company for me, giving extra features that other companies just dont offer for younger drivers. They also deal with home and business insurance, but as I am not a home owner, I have not had any dealings with this side of the insurance, although I will definatly look to them when I am.

        I think that this is a very good company for young drivers to be insured with, and im sure older, more experienced drivers will find the same too!

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          20.01.2009 18:11
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          An easy to deal with Insruance company who have a sense of humour!

          My Grandad used to collect premiums for the Coop in the 1950's so my association with them goes back a long long time.

          When I came to renew my car insurance 3 years ago I needed to add my 17 year old son on !!!! Shock horror - a teenage tearaway - except he isn't, although most insurance companies treat youngsters as if they are. The coop where the cheapest by nearly £500 and at the time I had a 1.9l diesel Citreon.

          The gentleman I dealt with was helpful, understanding and we had a good laugh about teenager drivers and the drain on a parents finances!

          I changed my car very soon after to a 1.4l C3 and changing the insurance was a doddle. I rang and got another very helpful gentleman who made the process as painless as possible.

          Move on to darling son passing his driving test and again I rang to inform the coop, expecting to have my premium hiked up straight away - but no it just needed to be noted that he was now a full driver - the sting did come when I renewed and despite the coop still being the cheapest the premium went up by £200 - obviously an accompanied teenage boy is more of a risk than an accompanied one.

          We've been through the process again last June when darling daughter turned 17. Not only do I have my husband and I on the insurance but also a 19yr old male and a 17yr old female!!!! Once again the coop couldn;t have been more helpful - I feel I know them personally.

          Of course I get a dividend on the premiums as I am a member of the Cooperative Society. My children will build a No-claim bonus for when they are in the position to run their own cars - which is likely to be a few years as they are at University and cant afford one.

          One bug bear is that despite having done pass plus for thier driving this is only recognised if the insurance policy is in their own name.

          The claims procedure was straightforward - despite me complicating it as I wanted to use my local garage not the garage the coop wanted to which was 30 miles away. However it didn;t cause a problem as the assessor came out noted the damage to the car and gave the go ahead the next day for the repairs to be carried out at the garage of my choice. the downside was that i didn;t get a courtsey car but as I have used this garage for the last 25 years that let me have one anyway !!!

          I would definatley recommend the Cooperative Insurance Society for car insurance but would go directly to their own web site or telephone them direct

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            28.01.2008 01:25

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            Good value and good service

            I first took out my policy with CIS several years ago. The only downside to the policy was that to set it up initially they sent an agent to my house. I know some people would prefer the personal service, and I remember the coop man used to come round to my house growing up every week to collect various insurances, but I found it a bit inconvenient and would have prefered to do it all over the phone. I found the agent to be friendly but a bit overbearing but he did print out my policy on the spot making it possible to tax my car straight away.
            I was lucky to never had to make a claim but I know friends who have. They dealt with the claim really quickly, and with no hassles. I have claimed on other insurance policies and it wasnt nearly so easy.
            I would recomend this product to people. The phone service is also good if you ever need to change some aspect of your policy.

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            05.03.2006 14:38
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            Very good when making a claim, good legal cover

            I first heard of CIS insurance through my parents. My Father was looking for insurance for my mum and stumbled across CIS in the pursuit of the cheapest quote. This was around 10 years ago now but the company at the time was the cheapest.

            I followed suit when I passed my test - although to keep the cost lower I insured the car in my mum's name (as she was older)…. However the downside to this through insuring with CIS is that the car needs to be registered in the policyholder's name. So my car is now registered under my mum's name!

            The quote was reasonable, bearing in mind that the policy covered any driver of any age. In addition my partner had 3 speeding points on his license - CIS stated that they ignore the first speeding offence so this did not affect the quote price - BONUS!

            However, within 3 weeks of changing my car I had a close encounter with a Taxi - he drove straight into my rear end!!! 

            So my very first claim procedure began - I called CIS and they promptly sent out the claim form. On completion of this there was a delay but not due to the insurance company but due to the taxi driver not reporting the accident to his insurance company. On hounding the taxi firm they finally reported it and CIS went into action on the compensation claim.

            The damage to my car was completed within a week and I received a courtesy car for the time I was without mine (as I have fully comprehensive insurance). I only had to pay an excess of £50 which was fabulous, not sure of many companies that offer this any more!

            Once they receive all the details from the other insurer, and a solicitor was assigned the claim began. I received my compensation a year later.

            This was a little claim; my partner has had cause to claim via CIS on numerous occasions (One ongoing at the moment). His previous one was for a motorbike accident where he was hit by a lorry. CIS sent a representative to us to look at the damage on the bike and to assess the likelihood of a repair - which was a relief as the bike was not drivable and we did not have the means to get the bike to the garage.

            Within a week we had received the report that the bike was a total write off. We were concerned as the bike was less than a year old and was on finance so we though we would be left with interest payments…. But NO - CIS paid the whole lot off so they actually paid out more than the market value for the bike.

            They assigned a solicitor for the compensation claim which proved as efficient and friendly as the solicitor I dealt with.

            Now my partner is going through another claim, bigger than the last but they are still as efficient as ever. This is another solicitor, but all have been or are competent. There is the usual paperwork that goes with solicitors - for those of you that have not experienced it - that's LOTS… but the paperwork to CIS is minimal… they simply need to know a small amount of information to get your claim dealt with.

            Personally now when my policy comes up for renewal I don't even consider looking else where. The only fault I would say there is with CIS is trying to contact the general admin office in Gloucester - they never seem to answer the phone! The claims centre in Bristol is great; they are friendly and always answer the phone.

            This to me is a little blip in the service and will not affect my opinion of them.

            Indeed my partner did look around when his policy came up for renewal and found cheaper quotes. On thinking about it he decided to pay the extra and stay with CIS as we know that upon a claim the company is fantastic and cannot be faulted. They are speedy, efficient and have very good solicitors working for them.

            This side of the insurance should not be under-estimated, an accident is bad enough to cope with, and the last thing you want to find out is that your insurance company is inefficient when you need to make a claim! Therefore I would recommend CIS, even if the quote is a little more expensive!

            I only hope that you never need to see this side of the insurance company - I wish you all SAFE JOURNEYS!

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            04.06.2004 23:25
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            MY EXPERIENCE. My experience of this company is a very good one, ive been with this company for about 6 or 7 years now and never had any problems, theyve always been courteous, fast and efficient. When i first started out with this company, i called and asked for a quote, which they couldnt give me immediately due to computer problems (the wonders of modern technology), instead of keeping me hanging on the phone for ages, the operator said they would call me back with the details. This happened about 30 minutes later, with an apology for not being able to give me my quote there and then. To my amazement the quote was the cheapest id had by over £100, i said i was happy with the quote, and the woman said an agent needed to call at my house to fill in the forms and for me to sign the documentation. The agent called at my house on time as arranged, he was fast and efficient, but most of all courteous and polite. We had abit of a laugh to pass the time as we filled in all the boring forms which made the time pass quicker. Added bonuses of going with this company, were that i got my dad as a named driver on my policy for no extra cost, windscreen cover was included (all i had to pay was the 1st £50) windscreens can easily be £200 or £300 depending on the type of vehicle. When i had an accident it was even better service, all i had to do was take my car to the sandicliffe garage for the repairs to be done (it was the nearest recommended repairer), i took the car in explained what happened and what i wanted, i didnt have to fill in much documentation, and i got a courtesy car immediately. Then when the car was ready i paid my excess to the garage, and then away i went. In conclusion, this company has very competative rates without lowering the quality of service provided. Its nice to have a specific agent to call on if you have any problems, its always nicer to deal with a friendly face rather than having to
            deal with a recorded messsage

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              21.08.2001 04:48
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              I have recently been shopping for Car Insurance both on the Internet and on the telephone. I spent all day Friday on the Internet just looking at 5 sites and then I telephoned 2 insurance places as well. When I say all day I mean from 9.30am to 4pm with a break only for lunch! Then Sunday I spent a hour looking for the company I used to work for the CIS Ltd (which stands for Co-operative Insurance Society) I worked for them for 9 years, since I left school but I left them when I pregnant, 3 years ago and never returned. I used to insure everything through them just because it was easy for me to get quotes and immediate cover, and to deal with people I knew. Now most of the people I used to work with have left so I thought I would look on the Internet to get a quote that way. This was the fastest and easiest site, out of the six I tried, to use. It was simple and straightforward and even if you didn't know anything about car insurance I think you wouldn't be able to go wrong with this site. The only thing wrong with this website is that you cannot obtain cover straight away but as I don't require my cover until at least the end of the month this was all right. The CIS deal through local agents and they have many district offices scattered around the country, which these agents work through. The agents are supposed to come to see you but you can deal with the company direct at the district office, which is where I used to work. Back to the website, well they even make a helpful suggestion at the start by asking you to have certain documents at hand, like your driving licence, latest insurance certificate and the car log book. These are quite handy to have with you when you phone for quotes too! You are then asked for certain details like name, date of birth, post code, car make and model, year and engine size and whether you and any other drivers have had any claims or convictions in the las
              t 5 years. Then you are given the quote subject to terms and conditions of course and the validity of the information given and then you have a choice of payment methods. If paying by monthly direct debit you will be charged a credit charge of 13.7% APR my quote was as follows and the e-mail was sent immediately afterwards confirming the details Then they stated that they had passed these details to my local office, who will arrange for a representative to call in the next few days to organize my motor cover. And then gave me a telephone no in case of queries which is 08000 28 29 29, this is the same telephone number that you should phone if you want a direct quote from them too. All in all I think this is a marvellous service and website, you can get a quote without having to speak to anybody and then only speak to someone if you want to. I do like dealing with people on a one to one basis and the CIS do offer that special home service and to someone like me without the use of a car at the moment this is invaluable. The Head Office is Miller Street, Manchester M60 0AL Telephone 0161-832-8686. The don't only deal with car insurance they deal with life, pensions, household and others too. They were slightly more expensive than the other companies but at least I know that I can trust these people and the claims service is second to none. All the customers that I used to deal with would say that their claims were dealt with extremely quickly. Of course the level of service depends on the agent and I was always fortunate enough to pick great agents. I would really recommend the CIS company and website to anyone and I am not just saying that because I used to work there, if anything that should put me off! LOL

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                18.04.2001 22:00
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                Whether it is time to renew an existing policy or thew purchase of a new vehicle requires a new policy, in the very competitive insurance market it is always a good idea to do a fair bit of shopping around. In the past year I had three opportunities to shop around for motor insurance. On all occasions I started by looking up websites of the vrious companies and filling online forms to get quotes both from individual companies and from services that request quotes with a number of insurers. The questions on those forms are more or less standard, with minor variations, but the quotes that came back ranged from £300 to over a £1000! Bcause of this huge variation and as we have our home contents insurance with CIS I also wanted a quote from them, but unfortunately they do not have an online quote service. However, they do have an 0800 number with immediate quote. On all three occasions, their quotes were far better than anyone elses, and this includes the various "direct" and "online only" companies who are supposed to have low overheads and cheap premuims. Last September we had the misfortune of having our beloved Vauxhall Astra stolen. After going to the police, we rang the claims office at CIS. The service was quick and efficient and we only needed to give some details by phone and send back the relevant documentation. Our car was found in a bad condition and CIS had it towed to our mechanic, then sent their people to have a look at it and when we all agreed it was not worth repairing, we filled out the necessary form and ogt the insurance money withing a couple of weeks. All with as little hassle as possible and quite quickly. CIS are not perfect of course. Some things cannot be done over thep hone or by post but the agent will come to your house and our agent is very flexible with his hours and is always willing to try and fit in ur crazy schedules. On a couple of occasions we had to visit their offices but
                even there the service is friendly and fre of hassle. CIS offer a grange of services including insurance, savings and now they also had roadside rescue.

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