Home Insurance

Building and contents insurance: for whatever life brings

Protect your home and personal belongings with buildings and contents insurance. Underwritten by Fairmead Insurance Limited - renamed from Legal & General Insurance Limited.

To find out what level of coverage would be a good fit for you, get a quick, online quote in just five simple steps.

Logo for Legal & General
  • There’s no interest when you pay by monthly instalments.

  • Our UK-based call centre’s lines are open 24/7, 365 days of the year.

Receive 10% off* new policies, only from the 02/06/2021 until 28/10/21.

Discount doesn't apply on renewals. T&C's apply.

Choose a policy

Start with buildings, contents or a combined building and contents policy. Choose from Everyday Cover or Home Cover Extra and buy optional cover if you need it - like accidental damage, home emergency, family legal protection and more.

Policy features

  • Get an online quote in minutes
  • Pay monthly at no extra cost
  • Buy optional cover if you need it
  • Choose the amount you’re prepared to pay in the event of a claim
What’s insured Everyday Home Cover Home Cover Extra
Buildings Cover Up to £1,000,000 Up to £1,000,000
Quote Validity Period 90 Days 90 Days
Accidental Damage Cover Optional Covered
Home Emergency Cover Optional Covered
Loss of rent and alternative accommodation Up to £25,000 Up to £50,000
Finding and accessing water and oil leaks Not covered Up to £5,000
Loss or theft of keys Up to £500 Up to £750
Contents Cover Choice of £60,000 or £80,000 Choice of £60,000 or £80,000
Quote Validity Period 90 Days 90 Days
Alternative Accommodation Up to £10,000 Up to £15,000
Freezer contents Not covered Up to £1,000
Theft from outbuildings Up to £1,000 Up to £3,000
Contents in garden Not covered Up to £1,000
Plants in garden Not covered Up to £1,500

Get or retrieve a quote

To get a quote and apply for The Co-operative Bank Home Cover, or to retrieve a previous quote, please tick the box below and you will be transferred to Legal & General's website.

To provide you with a quote our partner will ask you to give them some personal information. Their Terms and Conditions, Privacy Notice and Cookie Policy differ from the Co-operative Bank’s.

To continue, confirm that you:

understand the above.
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You'll now leave the Co-operative Bank website and go to Legal & General's website.

Go to Legal & General

Retrieve a quote

Quotes are valid for 90 days. To retrieve your quote you’ll need:

  • Your quote reference number
  • Your postcode
  • Your date of birth

Existing home insurance customers

If you are a Co-operative Bank customer and have already purchased an Everyday Home Cover or Home Cover Extra policy, you can access all your important documents through the 'My Insurance' portal.

Go to My Insurance Portal

Contact details for any claims and policy changes

For general enquiries, call Home Insurance Telephone Support: 0800 107 1346

Lines are open Monday to Thursday 8am to 8pm, Friday 8am to 6pm, and Saturday 9am to 5pm. Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

Mid-term Adjustments

If you'd like to adjust or amend your existing policy, please call 0370 060 0014

Lines are open Monday to Thursday 8am to 8pm, Friday 8am to 6pm, and Saturday 9am to 5pm. Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

Making a Claim

If you'd like to make a claim on your policy, please call one of the 24/7 claim lines:

Home Insurance claims: 0370 900 5565

Home Emergency claims:

Everyday Home Cover 0800 197 1699

Home Cover Extra 0800 072 4789

Family Legal Protection claims: 0370 050 0962

Call charges.

Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

Before you call:

  • report the incident to the police (if applicable).
  • check whether you're covered (see the policy documents below).
  • gather information including the policy number, date and time of loss or damage, and the police loss report number or crime number (if applicable).

Policy Excess

Your chosen excess will apply on each claim (minimum £150). For escape of water claims your chosen excess plus £200 will apply. In the event of subsidence, heave or landslip, there's an excess of £1,000 under Buildings Insurance.

For more information including the exclusions and limitations that apply please read the policy documents.

Important documents

Please read your policy schedule and policy booklet carefully to make sure you understand what is covered and the limits that apply.

PDF documents

Everyday Home Cover policy booklet

Everyday Home Cover insurance product information document

Home Cover Extra policy booklet

Home Cover Extra insurance product information document

About Fairmead Insurance Limited

The Co-operative Bank acts as an intermediary to Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group for Home Insurance.

This means that:

  • We deal exclusively with Fairmead Insurance Limited for your policy.
  • By choosing to get a quote, retrieve a quote or log into your online account you’ll be redirected to the Legal & General website portal.
  • Fairmead Insurance Limited will provide The Co-operative Bank with information about the type of policy you purchase. We use this to make sure any future marketing we send to you is relevant - and only if you’ve consented to marketing.
  • The Co-operative Bank receive commission from Fairmead Insurance Limited on all home insurance policies purchased by bank customers via this website.
  • You will not receive advice or any recommendation from The Co-operative Bank or Fairmead Insurance Limited on this arrangement.

Learn more about our terms and services with Fairmead Insurance Limited.

Legal & General, L&G, L&G – EVERY DAY MATTERS and the Legal & General Logo are registered trade marks of Legal & General Group PLC and are used by Fairmead Insurance Limited under licence. Legal & General Group PLC has no responsibility for the products of Fairmead Insurance Ltd or the servicing of those products. This policy is underwritten by Fairmead Insurance Limited which is a member of the Liverpool Victoria General Insurance Group. Fairmead Insurance Limited is not a member of the Legal & General group of companies.

Fairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register number 202050. Registered in England and Wales Number 00423930. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB.

10% discount full terms and conditions

Co-operative Bank Home Insurance is provided by Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group. Exclusions and limitations apply in accordance with each insurance policy. The 10% discount offer (“the Discount”) on Co-operative Bank Home Insurance is subject to the underwriting criteria of Fairmead Insurance Limited and the following terms and conditions:

  1. The Discount is only available to customers who obtain a quote for buildings and/or contents insurance either on The Co-operative Bank’s website (www.co-operativebank.co.uk/insurance), in a Co-operative Bank branch, or over the phone.
  2. The Discount will automatically be applied to all quotes for buildings and/or contents cover provided between 2 June 2021 - 28 October 2021 when obtained either through the Co-operative Bank’s website (www.co-operativebank.co.uk/insurance), in a Co-operative Bank branch or over the phone. The Discount is non-transferable.
  3. The Discount applies for the first year of Co-operative Bank Home Insurance only and will not apply upon any subsequent renewal of this.
  4. Any existing customers or customers who have cancelled a Co-operative Bank Home Insurance policy within the last 12 months will not be eligible for this offer.
  5. The Discount is available to all Co-operative Bank Home Insurance policies including any optional extras.
  6. The Discount cannot be used in conjunction with any other offer.
  7. The Discount will apply to changes to insurance cover that has already been taken out on or after 2 June 2021 (e.g. new number of bedrooms or changing the excess). The Discount will not apply if any new sections of cover are added to existing policies e.g. adding contents cover section to a buildings only policy.
  8. No cash or other alternative available in place of the Discount.
  9. Minimum premiums apply.
  10. The minimum premium excludes the addition of Insurance Premium Tax (IPT).
  11. The Discount can only be used once.
  12. If the customer cancels their policy during the first 12 months, the refund will be calculated in accordance with the associated policy terms and conditions.
  13. To the maximum extent permitted by law, The Co-operative Bank and its affiliates shall not be liable for any claims or actions of any kind whatsoever for damages or losses to persons and property, disappointment which may be sustained in connection with the Discount, using the Discount, receiving the discounted premium or any acts or omissions of its agents.
  14. These terms and conditions are governed by English Law and are subject to the exclusive jurisdiction of the English courts.
  15. We guarantee your quote for 90 days on the understanding that all your details are correct and do not change during such period.

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