Know the most Important Part about your Car Insurance

What types of cover do you will get in Car Insurance?

Comprehensive Third Party Fire & Theft
Liability for death of or injury to third parties
(including passengers).
Liability for damage to property
(limit £20,000,000 any one accident).
Liability of passengers
to other parties.
Legal costs
incurred with our consent. (limit £5,000,000 any one accident for loss or damage to property)
Loss of or damage to the car
as a result of fire or theft.
Accidental damage to the car
(including its accessories).
Replacement of locks following theft of keys
(limit £750 any one claim)
Personal accident benefit
of £5000 for you and / or your spouse for death or certain medical conditions.
Foreign use - up to 30 days cover in any EU and certain other associated countries during the policy year.
Medical expenses
up to £250 for each person in the car.
Replacement of child car seats following their loss or damage or impact damage to the car
Personal effects
up to £250 for any one occurrence.
Accident Recovery Service
Motor Legal Expenses & Legal Helpline. optional optional
Enhanced Courtesy Car Cover optional optional
UK & European Breakdown Cover. (Subject to certain limitations) optional optional
Extended Foreign Use optional optional

Am I insured to drive someone else's car?

No, Third Party Liability whilst you are driving another vehicle is not generally available except when

the vehicle does not belong to you and is not hired to you under a hire purchase agreement
there is no other insurance policy which insures you
the vehicle is not being driven to secure its release following seizure by, or on behalf of, any government or public authority.

Is young drivers under 25 years of age are Insured?

Yes. However, for comprehensive cover, in addition to the standard excess of £100, a further young drivers excess applies. For further details see the Frequently Asked Questions on excess.


What is the maximum age to get insurance?

Normally offer a quote for a new customer up to the age of 75, depending on the insurance history.

What are my cancellation rights?

When you receive your policy documents you will have 14 days in which to cancel the policy if you no longer require the insurance. If you wish to cancel the policy please contact us on 08457 464646 or write to The Co-operative Insurance, General Insurance Customer Support Centre, 2nd Floor, Miller Street, Manchester M60 0AL and return your Certificate of Motor Insurance.

If you cancel the policy within 14 days of receipt of the cancellation notice the premium you have paid will be returned to you less a pro-rata charge for any time on cover.

To be entitled to a pro-rata refund of the premium paid, you must telephone or write to us on or before the 14th day of receipt of the policy booklet and the cancellation effective date requested must be within this period.

If you cancel your policy after this time any refund of premium will be the premium paid less a pro rata charge for the period the policy has been in force and may be subject to a cancellation fee.

Does my policy cover me to drive abroad?

Yes. In addition to providing the minimum compulsory liability insurance required in any country which is a member of the EU, the policy provides the same cover throughout the EU and certain other associated countries as in the UK, for up to 30 days per insurance term.

Extended Foreign Use is available as an optional extra and extends the cover provided in the UK to all member states of the EU and the associated countries for the entire policy year, subject to a limit of 90 days per trip.

Cover for Electronic Equipment

There is no limit on loss of or damage to electronic equipment (e.g. audio or satellite navigation equipment) permanently fitted to the vehicle as standard by the vehicle manufacturer.

There is a limit of £500 on loss of or damage to electronic equipment permanently fitted to the vehicle post-manufacture.

There is a limit of £250 on loss of or damage to personal effects, which includes electronic equipment not permanently fitted to the vehicle, provided the cover is Comprehensive.

What is Personal Effects Cover?

Personal effects cover is available where cover is Comprehensive.

There is a limit of £250 on loss of or damage to personal effects (e.g. coats, bags and CDs) whilst in or on the vehicle. This includes electronic equipment not permanently fitted to the vehicle.

There is no limit on loss of or damage to child car seats, which we will replace following an accident resulting in impact damage to the vehicle even where there is no apparent damage to the child car seat.

What is Enhanced Courtesy Car Cover?

Enhanced Courtesy Car cover is an optional extra which supplements our standard courtesy car cover by providing access to a similar replacement car to your own (subject to certain limitations) for up to 14 days if your car is stolen and not recovered, immobilised as the result of an accident or written off.

Know Courtesy rules more

UK and European Breakdown Cover

UK and European Breakdown Cover is a comprehensive and reliable breakdown service available as an optional extra, which provides peace of mind that you are fully covered for any repair or recovery costs associated with a breakdown.

UK and European Breakdown Cover will offer the following benefits:

Europe-wide rescue and recovery service
Up to 1 hours labour to repair your car at the scene
Recovery of your car to a suitable repairer or to your home
Transport of the driver and up to six passengers home or an intended destination;
Or one night’s bed and breakfast accommodation; or
Replacement hire vehicle for up to 24 hours
Repatriation of the driver, vehicle and up to six passengers to the UK

What is Extended Foreign Use?

Extended Foreign Use is available as an optional extra and extends the cover provided in the UK to all member states of the EU and the associated countries for the entire policy year, subject to a limit of 90 days per trip.

for Full details on this get here

What is a Carbon Offset?

A carbon offset is a way of reducing carbon dioxide in the atmosphere by funding renewable energy or reforestation projects. The projects offset an equivalent amount of emissions to that produced by driving. This is a way of compensating for the contribution from driving to climate change.

What if I want to make a change on my policy?

What if I want to make a change on my policy?

It’s important that all the details in your policy are accurate and that you are happy with the cover provided, so it makes good sense to check that everything is in order now.


Please contact us on 08457 46 46 46 if:
• Any of the information contained in the Policy Details or Certificate of Motor Insurance is incorrect
• You change your name, your address or your vehicle
• You wish to amend the cover provided by your policy (for example, you may want to increase your level of cover from ‘third party fire and theft’ to ‘comprehensive’, or make changes to the driving restrictions, or increase the amount of voluntary excess you pay)
• You wish to change driver details on your vehicle.


Remember that if you change your vehicle you must obtain a new Certificate of Motor Insurance before you use the replacement vehicle.


If you make any further changes to your policy cover other than at renewal, or if you request duplicate documents, we may charge you an administration fee of £12.50. The administration fee will be in addition to any increase in premium that may occur.

Cancelling the policy may incur a separate cancellation fee.

What is No Claim Discount?

For every year of claim-free driving you will earn a discount towards the cost of renewing your motor insurance, up to a maximum of 9 years. This is subject to you providing documentary evidence from your previous insurer.

The No Claim Discount can only be used on one policy at a time so the other policy has to be lapsed or cancelled before you can use it on this one. You cannot share it across two policies.

Scale of No Claim Discount (available to new customers)

Varies from 25 % to 75 % depends on the Claim FREE years