Co-operative Insurance Society Mortgage Protection Insurance

With the Co-operative Home Insurance for over 50 years claim made following advice from local solicitor over neighbours tree causing damage to my wall, Claim was for repair to wall. stage 1 - passed to Co-op legal stage 2 passed to Colemans-ctts stage 3 9 months letter writing frenzies stage 4 Colemans fraternised with opponent stage 5 complaint to ombudsman

OUTCOME -The CIS, Colemans and Ombudman sympathised with the tearful neighbour insisting I wanted to take her to court over her tree. FACT Tearful neighbour had no home insurance had tree removed has sold the house holds 60% share of equity. Me I still have a damaged wall have to accept my neighbour punches holes in my fence have to accept foul water from her blocked drains running under my fence put up with paint splattered over my wall and everything she can propped aganst my wall plus a view from my front window of her garden continually strewn with rubbish. My daughter and I no longer have home insurance with the CIS and would never recommend them.

I'm trying to set up an expenditure protection plan (sickness). Cooperative Insurance Service insist on a face-to-face interview with one of their financial advisers (ie. salesmen) before setting up the policy - not sure why. Anyway I took time of work for the appointment but the adviser didn't show up or telephone. General admin problems when I called the office to try to re-schedule.....unclear voicemail options, endless hold music, can't find my record, wrong date of birth etc etc.

Personally I expected a lot better from the Co-op.

The Co-operative insurance society (CIS) offer a great mortgage payment protection cover. It is normally £5 per every £100 of your monthy repayment. You can arrange for it to cover you 100% or if you are a couple and both employed, you can split it into a percent that suits you.

If you arrange your mortgage through the Co-op bank, you are offered this insurance, if you agree it is taken together with your normal monthly payment (although claims are made through CIS).

The only bad point is that you have to wait 60 days before you can claim when you first take it out. Also if you claim once and are off again with a different illness you can not claim for 60 days. However if you go back to work and the same illness occurs but find you havnt recovered, you can claim without waiting 60 days.