CIS (Cooperative Insurance Society) Home Insurance

This is a terrible company its taken nearly 3 yrs and still not complete. They owed me thousands of pounds for hotel money that took ages to get back that nearly bankrupted me . The works they did have been disgusting and I have had an independent surveyor in who gave a bad report and recommended that the work be redone and they have ignored it so I'm now in the process of complaining to the Ombudsman and taking them to court for the costs of redoing the works up to standard and finishing the half completed works.

If I could give minus stars I would.

Plumber installing bath and shower caused malicious damage. Bath and shower unstable. Loss adjuster came following week, had to call coop who advised not paying. I am disabled with PTSD saved my benefits to pay for shower and shower bath, as gave spinal problem, no sympathy, not interested. Had to pay emergency plumber £85 as bath leaking, advised if continue using my bath I am liable for any damage. Loss adjuster Cunninghams, we aware and very afraid of the coop.!!

To anyone who has or is considering a Co-operative building insurance policy, be warned ...

I’ve had building insurance (no contents) with the Co-operative for 29 years. I made two small claims - both totalled much less than my total annual payments. I haven’t made a claim for 16 years (£2362.80 total in premiums paid over the last 16 years.) I received my annual renewal notice to cover next 12 months from April 01 2016 - new premium, total payable £233.00 - this includes a "No Claim Discount of 10% and a 5% Renewal Discount."

I decided the ongoing annual upgrading charge for my insurance to be too much. I applied via the Co-operative website for an insurance quote and entered my personal and building details exactly as those for which I am being charged £233.00. The insurance quote I received from Co-op was a single annual payment of £169.18 (this figure included contents which I do not currently have.) Also, the £169.18 quote covered "£200,000 sum insured" as against present "£119,000 sum insured" for which I am being charged £233.00 - £63.82 less for a higher level of cover!

It would appear those of us who are long-standing Co-op insurance customers are being overpriced for our insurance cover to enable Co-op to enlist new customers at much cheaper premiums.

In passing, I contacted Co-op insurance with my above overcharging - the reply I received ignored my questions and merely stated my high premium to be mainly due to my postcode and "the risk of a catastrophic event such as flooding." My postcode is as that which Co-op has been quoting on since taking out insurance with them and flooding as I have previously informed them is impossible to my area. Also in passing, I find contact with Co-op to be extremely hard - no email connection, they don’t supply a contact reply address on their letters. Co-op main route of contact would appear to be via telephone (call charges apply) - not suitable for myself, as opposed to Co-op, I have no record of conversation.

So beware, Co-operative’s continual adding cost to premiums with their pretence of "No Claim Discount of 10% and a 5% Renewal Discount" is merely an obscene lure to lead their loyal customers into funding their new customers.

Advertised a free karcher window vac to take out policy, but never received as email from 3rd party company running the promotion went into spam folder. Basically told tough luck for not checking your junk email or reading the small print. Customer service when dealing with a complaint is shocking. Obviously they didn't arrange to buy enough karcher window vacs so have tried to get out of supplying the free product. Please avoid this bunch.

After taking out home insurance with the co op for 4 years the price for my renewal increased every year. This week my new renewal quote was £585. As I was one day late to pay for my renewal I had to start a new policy again with the co op. I set up the policy again with all the same information and they gave me a new quote of £285.

After arranging insurance cover for a house move money was taken out of our bank account which shouldn't have been CIS told us the only way to get the money back is to send a copy of our deeds an they will refund the money!

I made a claim in December 2013 for storm damage, a ridge tile came off the roof and few were dislodged. Co-op advised they were extremely busy and a loss adjustor would take 2 weeks to visit the property. I explained the roof was in a dangerous state and required immediate repair, however this fell on deaf ears. I managed to get a roofer from rated people.com to repair the roof and withdrew the claim thinking that would be the end of that matter.

I subsequently found out that co-op has left a open claim on my file if even though they undertook no work or money was claimed from them.

We have been with the Co-Op for several years and never made a claim.

During the bad weather in February a boundary wall collapsed which was after a night of heavy gales and storms. The Co-Op refused to pay out and we are taking it to the Ombudsman. The Co-Op said that it was owing to wear and tear of the wall. However the boundary wall also belongs to another property and their insurer agreed it was storm damage and have paid out on our neighbours claim. The Co-oP have been very unfair and despite writing in again about this have now been told that the letter was attached to a claim for a closed case. So apart from being unfair they are also being uncourteous and taking no notice whatsoever of the contents of the letter that disputes their findings. If you are considering home insurance don't bother they will find any excuse to wriggle out of payment.

I have now dealt with co-op 2-3 times, firstly for a claim which went very smoothly and then to change details and add some items. They answer immediately and I am not left on hold then take the time to find me the best deal - highly recommended for service and efficiency. While they are not the cheapest I am really pleased that I am not left on hold for hours and that when I ask questions the staff know what they are talking about. Very helpful!

Very poor and ineffective service, dependant on dodgy solicitors for their 'legal expenses' section. If you have a problem they will make it worse, when complaining (which is very difficult as they ignore all emails) their eventual response was that the legal expenses was a free part of the insurance so didn't have to adhere to any laws! complete chancers who seem to have total contempt for customers