Independent guide — VIP Claims is not affiliated with Co-op Insurance.
How to Make a Co-op Insurance Claim
Co-op Insurance Services Limited (trading name of Co-op Insurance Services Limited) arranges the policy, which is administered by Insurance Factory Limited; some elements, such as breakdown cover, are administered on behalf of Co-op Insurance by Markerstudy Limited
The short answer
Call Co-op's dedicated car claims line, which is open 24 hours a day, and have your policy and incident details ready. If you already have an ongoing claim, use the reference and contact details you were sent rather than starting again.
Official Co-op Insurance claim contacts
These are Co-op Insurance's own contact details, published on Co-op Insurance's website. They are not VIP Claims numbers.
- New claim0345 999 8888
Official Co-op Insurance contact number · 24 hours a day
Also reachable via Relay UK (18001 0345 999 8888) or BSL video relay through InterpretersLive!
- General customer service / quotes03457 46 46 46
Official Co-op Insurance contact number · Mon-Fri 8am-8pm, Sat 8am-5pm, Sun 9am-4pm (hours may vary on bank holidays)
Also reachable via Relay UK
Policy types: Co-op's car insurance claims process and contact details apply to both Co-op Car Insurance and Co-op Essentials Car Insurance, but the policy is administered by Insurance Factory Limited, and add-ons like breakdown cover are handled separately by Markerstudy — check your policy schedule for which administrator applies to a specific benefit.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Co-op Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Co-op Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Co-op Insurance.
Step by step
How to start a Co-op Insurance claim
- 1Call the claims line on 0345 999 8888, open 24 hours a day.
- 2Have your name, address and policy number ready.
- 3Be ready to describe any damage caused, property lost, or injuries.
- 4If another vehicle was involved, note its registration number and the other driver's name, address, phone number and insurance details.
- 5Get a police crime reference number if your car was stolen, maliciously damaged, or the other driver failed to stop and give details.
Before you call
Information to have ready
- Your name, address and policy number
- Details of any damage caused or property lost
- Whether anyone was injured
- Where and when the incident happened
- The other vehicle's registration and the other driver's details, if applicable
- A police crime reference number for theft, malicious damage or a driver failing to stop
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- If you already have an ongoing claim, use the contact details you were previously sent.
- If you've lost those details, ring the 'Make a claim' number to retrieve them.
- Related benefits such as breakdown, Keycare, legal advice or windscreen cover are claimed through their own dedicated pages.
Costs
Excess and your no-claims discount
Not detailed with specific figures on Co-op's public claims page; excess and no claims discount terms are set out in your individual policy schedule and documents.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Not detailed on the claims contact pages reviewed; courtesy car entitlement depends on your specific policy, so check your schedule.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Not specified publicly on the general claims page which repairer network is used; this may depend on the type of claim and policy.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through Co-op Insurance
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Co-op Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Co-op Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Co-op Insurance.
Existing claims
Tracking an existing Co-op Insurance claim
If you have an ongoing claim, use the contact details you've already been sent; if you've lost them, call the 'Make a claim' number, 0345 999 8888, to retrieve them.
If something goes wrong
Complaining about a Co-op Insurance claim
Co-op provides a dedicated 'Make a complaint' page for car insurance at coop.co.uk/insurance/car-insurance/car-complaints; specific phone numbers were not confirmed on the pages reviewed.
Questions
Co-op Insurance claims: frequently asked questions
Is the Co-op claims line open at night or on weekends?+
Do I need a crime reference number to claim?+
How do I check on a claim I've already started?+
Can I contact Co-op about a claim using British Sign Language?+
Where this came from
Sources
The Co-op Insurance details on this page were taken from Co-op Insurance's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Co-op – Car insurance claims — checked 19 August 2026
- Co-op – Car insurance contact us — checked 19 August 2026
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by Co-op Insurance, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.