Co-Operative Eco Car Insurance Beware

thepeterleeknowledge

This is a warning for anyone thinking of taking out insurance with Co-operative ECO insurance please don't make the mistake of thinking they are the co-op when they are infact administered by BISL also known as budget insurance they peddle the brand through the comparison sites and often refuse to allow mid-term changes. I had a 2001 audi insured with them as my main car went to change to a 1999 vw golf only to be told I couldn't insure it as the u/w wouldn't accept the new car despite it having a lower sized engine and being an older vehicle - they then told me I would pay short term rates amounting to £104 for the pleasure saying that I agreed to a 12-month contract for the audi and that they aren't to know I was going to change car and it's not their fault they won't cover the new car - needless to say I'm now in the process of going through the ombudsman only after a manager called him back to tell me tough luck and to get on with it even had the cheek to say they'll wave £35 cancellation fee as it's not my fault but that it would be as a gesture of goodwill. Had a good laugh at that one. If I had known I would never have touched this lot in the first place as BISL also do Dial Direct Home Insurance who tried to charge me £20 to post my docs after they sent an email with no pdf attachement and it took me 8 phone calls and 8 weeks to get my documents sent out via post.

McKneff

In all honesty, I have been with the Coop for absolutely donkeys years, never ever had a problem.
Always changed my details free of charge with I have changed my car mid term.
Paid up any claims promptly. This is my car and my house and contents.
I honestly cannot fault them, I shop around every year they are normally maybe up to a tenner
more expensive but because I have had such good service from them I have stayed with them.

Had a no fault claim last year, no rise in premiums. Lots of companies do.
Sorry, just felt I had to redress the balance.

Can I just be sure that we are talking about the same coop.
I'm talking about CIS Ltd, Cooperative Insurance Services Ltd
I just wondered where your ECO came from.

dacouch

McKneff wrote: »

In all honesty, I have been with the Coop for absolutely donkeys years, never ever had a problem.
Always changed my details free of charge with I have changed my car mid term.
Paid up any claims promptly. This is my car and my house and contents.
I honestly cannot fault them, I shop around every year they are normally maybe up to a tenner
more expensive but because I have had such good service from them I have stayed with them.

Had a no fault claim last year, no rise in premiums. Lots of companies do.
Sorry, just felt I had to redress the balance.

Can I just be sure that we are talking about the same coop.
I'm talking about CIS Ltd, Cooperative Insurance Services Ltd
I just wondered where your ECO came from.

It's underwritten by the CIS but administered by BISL who are the Ryan Air of Insurance. It's inot shown in the quotes but is in the Terms and Conditions which I'm surprised he missed

thepeterleeknowledge

McKneff wrote: »

In all honesty, I have been with the Coop for absolutely donkeys years, never ever had a problem.
Always changed my details free of charge with I have changed my car mid term.
Paid up any claims promptly. This is my car and my house and contents.
I honestly cannot fault them, I shop around every year they are normally maybe up to a tenner
more expensive but because I have had such good service from them I have stayed with them.

Had a no fault claim last year, no rise in premiums. Lots of companies do.
Sorry, just felt I had to redress the balance.

Can I just be sure that we are talking about the same coop.
I'm talking about CIS Ltd, Cooperative Insurance Services Ltd
I just wondered where your ECO came from.

Seperate companies mate, similar to you I've had good dealings with Co-op direct which was one of the reasons I took this policy never in a million years imagined they would have contracted out a branch to BISL would rather have measels then deal with budget insurance.

adamc260

BISL (Budget Insurance) didn't come bottom of the insurers poll in Auto Express for no reason

Their slogan 'Smart people budget' makes me laugh, should be 'Smart people dont insure with us'