Membership terms and conditions

  1. About these terms and conditions
  2. Words with particular meanings
  3. Becoming a Member
  4. Your Membership card
  5. Temporary cards
  6. Managing your account and changing your details
  7. Earning 5% for you and 1% for your community
  8. Spending your 5%
  9. Giving 1% to your community
  10. Earning points (for a share of our profits) and having a say in how we run our business
  11. Co-op partners
  12. Independent co-operative businesses
  13. Receiving a share of our profits (dividends)
  14. Spending your dividend vouchers
  15. Other things you should know
  16. Appendix 1
  17. Appendix 2
  1. About these terms and conditions
    1. Any use of your Co-op Membership card is considered as acceptance of these terms and conditions.
    2. You need to read these terms and conditions alongside our Rules and Regulations.
    3. Where there’s a conflict or discrepancy between these terms and conditions and our Rules and Regulations, our Rules and Regulations come first.
    4. The current versions of our Rules and Regulations are available online at www.coop.co.uk/corporate/investors/governance . If you require a copy of our Rules or Regulations in any other format or if you have trouble accessing the documents online, please phone us on 0800 023 4708 or contact us at:
      • Online: www.coop.co.uk/membership
      • Call: 0800 023 4708
      • In writing: Co-op Member Services, The Co-op, c/o Swiss Post Solutions Ltd, Unit 550, Metroplex Business Park Manchester, M50 2UE
  2. Words with particular meanings
    1. Some of the words we’ve used in these terms and conditions have a particular meaning. We've highlighted these words in bold throughout these terms and conditions and defined them below.
    2. We've also capitalised some other words with particular meanings which are defined in our Rules.

      community

      an area where there’s one or more of our food stores or funeral homes. See section 9 for more details.

      Co-op

      Co-operative Group Limited and where the context requires its subsidiaries from time to time.

      Co-op partners

      other businesses and organisations where you can earn points with us.

      discretionary rewards

      additional rewards on your 5%, 1% and/or points or other benefits which may be awarded from time to time on purchases and/or membership participation or other activity.

      eligible purchases

      purchases that earn 5% and 1% rewards as set out in Appendix 1.

      local cause

      a UK registered charity (or other organisation) which benefits a community and is looking to raise money to buy something, do something or fund a particular project. See section 9 for more details.

      Qualifying Purchases

      purchases that earn points and other rights as set out in the Rules and Appendix 2.

      Regulations

      Purchases Regulations of the Co-op (which may change from time to time) and any other relevant regulations referred to in the Rules.

      Rules

      the Rules of the Co-op (which may change from time to time).

      scheme

      the Co-op Membership scheme which includes the rights you have as a Member under our Rules and the additional benefits you're entitled to under these terms and conditions.

      temporary card

      a way of joining Co-op Membership which enables you to start earning your 5%, 1% and other relevant spend right away (but you won’t be able to spend your 5% or give your 1% or exercise any other rights until you register). See section 5 for more details.

      We, us and our

      Co-operative Group Limited and where the context requires its subsidiaries from time to time.

      You and your

      the person whose name is on the front of the card (or if it’s a temporary card, the person who picked it up and paid for it).

  3. Becoming a Member
    1. Anyone who shares our Values and Principles and wants to do business with us is welcome to join.
    2. To become a Member you have to pay £1 in line with our Rules. That £1 buys you one share in the Co-op.
    3. You can apply to become a Member:
      1. online, by visiting www.coop.co.uk/membership
      2. by calling 0800 023 4708
    4. When you apply to become a Member we'll ask you for some personal details – including your full name, date of birth, home address, email address and how you’d like us to stay in touch. We'll also ask you to set up a secure password for your online account to help protect you against fraud. We will never ask you for your password.
    5. We'll ask for your permission to contact you by email for marketing purposes, however, by giving us your email address we will use this to contact you for matters regarding your service unless you tell us otherwise. We'll keep all your personal details safe in line with our privacy policy: www.co-operative.coop/terms/privacy-policy
    6. Once you've registered, you can start spending your 5% and giving your 1% to a local cause in your community or to our national charity partner. (You can start earning your 5%, 1% and points on a temporary card but you can’t use them until you’ve registered).
    7. If you’re younger than 16 you can only become a Member if your parent or guardian applies for you. You’ll then become a junior Member, which means you can earn and spend your 5%, give your 1% and build up points (and receive a share of our profits, if there are any). But you won’t be able to have a say in how our business is run (for example, voting at Co-op general meetings) or stand for election until you turn 16 (as set out in our Rules), however you will be able to provide feedback and participate in opportunities that can help shape the products and services that we provide from time to time.
  4. Your Membership card
    1. Once you’ve registered as a Member we'll give you a Membership card. You can only have one Membership account at a time.
    2. Your Membership card proves that you’re a Member – so we may ask to see it when you do things like attend general meetings.
    3. Your Membership card (or temporary card) and any 5% or 1% rewards you’ve built up on it belong to us. We have the right to take them back or change these terms and conditions at any time (as section 15.5 explains).
    4. Your Membership card:
      1. isn’t a credit card, cheque guarantee card, debit card or savings account card
      2. must be signed by you (the person whose name is on the front of it)
      3. can only be used by you, for you
      4. can’t be used by a club, charity, trust, sole trader, partnership, company or any other kind of organisation or business.
    5. You can’t give or transfer your rights or duties as a Member to anyone else (for example, you can’t give your card to someone to earn your 5% or 1% reward).
    6. You’re responsible for keeping your Membership card safe. If you lose it or someone steals it and uses it, we’re not responsible for any losses or damages that happen as a result.
  5. Temporary cards
    1. If you’re not already a Member you can buy a temporary card at any of our Food stores if you:
      1. agree to these terms and conditions
      2. share our Values and Principles (see our Rules)
    2. Your temporary card costs £1. You’ll need to know your temporary card number to keep the rewards you have earned on your temporary card when applying to be a Member. If and when you register as a Member with your temporary card the £1 you paid for the temporary card will be used to pay for your one share in the Co-op. If you decide not to apply to be a Member you can’t get your £1 back.
    3. By using your temporary card, you’re agreeing to these terms and conditions.
    4. Sections 3.6 and 4.4 to 4.6 of these terms and conditions also apply to temporary cards.
    5. You can only have one temporary card at a time. If you lose your temporary card or someone steals it, we cancel it provided you know the temporary card number and you can get a new one by paying another £1. But you won’t get back any of the rewards or other rights you earnt on the missing card or the £1 you paid for it. We may, if we choose to, donate your £1 to a registered charity if your temporary card is cancelled.
    6. We may cancel your temporary card at any time where we have any reasonable belief of:
      1. your death
      2. any breach or attempted breach of these terms and conditions
      3. if you behave in a way that is in any way detrimental to the Co-op, or
      4. you not having bought anything from us for 12 months or more with your temporary card
    7. If you have a temporary card you’ll start earning rewards (your 5% and 1%) every time you make eligible purchases from the moment you get it. You’ll also start building up points if you make Qualifying Purchases. But you won’t be able to spend your 5% or give your 1% or make the most of any other Membership rights until you’ve registered as a Member.
    8. Once we have registered you as a Member we'll send you a new Membership card with the same number as your temporary card.
  6. Managing your account and changing your details
    1. You can manage your Membership account online at www.coop.co.uk/membership. You’ll have to set up a secure password before you can start using it.
    2. If someone uses your password or personal details to access your Membership account because you haven’t kept them safe we’re not responsible for anything that happens as a result.
    3. You can access your Membership account online or by calling or writing to us to check how many rewards (your 5% and 1%) and/or other rights you’ve built up, to change your personal details or to change your preferences. Your 5% balance is also available on your Food store receipt.
    4. If your name or address changes you can update your details online at www.coop.co.uk/membership, or call or write to us. You’ll need to give us your Membership card number or your name and postcode so we can find your account. We’ll need to check your identity by asking you for some personal information. In some cases we may also ask you for proof of your new name or address.
  7. Earning 5% for you and 1% for your community
    1. When you make eligible purchases:
      1. we'll put 5% of what you spend on them into your Membership account. You can spend this the next time you buy from us or save it up to spend whenever you want (subject to exclusions in Appendix 1).
      2. we'll also put 1% into your Membership account which you can then choose to give to a local cause in your community or to our national charity partner
    2. We can change the percentage you get back (your 5% and 1%) at any time.
    3. To make sure your 5% and 1% rewards go into your Membership account you must either present your Membership card or key fob or give us your Membership card number whenever you make eligible purchases. In Co-op Funeralcare you will be required to present your Membership card at the point of purchase or during the arrangement process to earn your 5% and 1%.
    4. When we’re working out how much to add to your account (your 5% and 1%) we use the total value of all your eligible purchases including VAT minus any other discounts, coupons, vouchers, money-off offers and promotions and rounded down to the nearest penny (unless we’ve said otherwise).
    5. Your 5% and 1% rewards have no cash value and you can’t swap them for money.
    6. If you stop being a Member for any reason (see section 15.4):
      1. we'll cancel any rewards you’ve earned for yourself (your 5%)
      2. we'll share out any rewards you’ve earned for your community (your 1%) equally between all the local causes in your community. If there are no local causes in your community then we’ll give your 1% to our national charity partner.
    7. How long it takes us to add your 5% and 1% to your Membership account after an eligible purchase depends on what it is and where you bought it. See Appendix 1 for more details.
    8. If you pay for an eligible purchase in monthly instalments we'll add your 5% and 1% to your Membership account in monthly instalments too.
    9. You may also be able to earn discretionary rewards from us or Co-op Partners for taking part in certain activities and events that we run from time to time. We'll tell you about these as and when they happen.
      1. if you earn any discretionary rewards from Co-op businesses they will be paid in accordance with the timescales for that Co-op business as set out in Appendix 1
      2. any discretionary rewards you get from Co-op partners are paid for by them. If their business fails we don’t have to cover any unpaid rewards they owe you Discretionary rewards you get from Co-op partners don’t count towards a share of our profits or as Qualifying Purchases
  8. Spending your 5%
    1. As a registered Member, to spend your 5% you must present your Membership card or key fob or give us your Membership number when you pay (depending on which Co-op business you’re dealing with).
    2. You can spend some or all of your 5% in any of these Co-op businesses (subject to the exclusions set out in Appendix 1):
      1. Co-op Food
      2. Co-op Legal Services
      3. Co-op Funeralcare – in any of our funeral homes, online or through our contact centre

      We may change participating Co-op businesses from time to time.

    3. For as long as you remain a Member your 5% never expires.
  9. Giving 1% to your community
    1. You can choose where your 1% will go from a number of local causes in your community or to our national charity partner.
    2. When we first register you as a Member we’ll automatically assign you to a community based on your postcode.
    3. Once we know what community you’re in we’ll give you a list of local causes in your area to choose from.
    4. You can choose which local cause (or our national charity partner) you want your 1% to go to either online or by calling us. You can only choose one cause at a time.
    5. You can change which cause you want your 1% to go to at any point in time. The 1% that you have built up at the time of changing your local cause will still go to the previous selected cause. Going forward, the 1% will go to your most recent selected cause.
    6. At the end of the giving period we pay (or arrange for a third party to pay) all of the 1% rewards that our Members have given to each local cause during that time. A giving period is currently a period of six months, but the Co-op reserves the right to change the length of any giving period in its sole discretion.
    7. Generally, we only support local causes for one giving period. At the end of each giving period we'll let you know what new causes you can choose to give your 1% to. If you don’t choose one by the end of the giving period we’ll share it out equally between all the local causes in your community. We may also change our national charity partner from time to time.
    8. If you stop being a Member for any reason and you haven’t chosen a local cause to give your 1% to we’ll share it out equally between all the local causes in your community. If there aren’t any local causes in your community then we will give it to our national charity partner.
  10. Earning points (for a share of our profits) and having a say in how we run our business
    1. As a Co-op Member you're entitled to a range of rights under our Rules in addition to the 5% and 1% rewards that you're entitled to under these terms and conditions.
    2. In order to qualify for certain constitutional rights (including the right to attend our general meetings and vote) you need to make Qualifying Purchases.
    3. To make sure your Qualifying Purchases are registered in your Membership account you must either present your Membership card, key fob or temporary card or give us your Membership number whenever you make purchases from the relevant Co-op businesses.
    4. When you present your Membership card, key fob or temporary card or give us your Membership number you will also earn points. In some cases your points count as Qualifying Purchases. Points don’t have any cash value and you can’t cash them in.
    5. At the end of each Financial Year your points go back to zero and you start building up points for the next Financial Year. Our Financial Year ends on the first Saturday in January each year.
    6. Section 11 and Appendix 2 of these terms and conditions provide details of products and services that don’t earn you points.
    7. When there are Profits Available for Distribution we may decide to pay a dividend (share of profit) to Members in line with our Rules. Dividends awarded are calculated based on the points you have earned in line with the Regulations. The number of points you have determines how big your dividend payment will be (if there is one). For further details see our Rules and Regulations. You will only receive a dividend if you are a registered Member.
    8. If you live outside of the UK, the Isle of Man and the Channel Islands you can still make Qualifying Purchases.
  11. Co-op partners
    1. You can earn points on purchases from Co-op partners too, not just at our Co-op.
    2. The Co-operative Bank
      You can earn points at The Co-operative Bank and Smile – even though The Co-operative Bank isn’t wholly owned by the Co-op any more. But the points you get for banking with them may be worth less than the ones you get for shopping with us. We'll work out exactly how much to add to your Membership account once we’ve received the actual cash value of your business from The Co-operative Bank. This payment will show up in your Membership account as ‘The Co-operative Bank’.
    3. Co-operative Travel
      You can earn points at Co-operative Travel branches (except The Midcounties Co-operative Travel branches).
    4. You won't earn points at:
      1. The Midcounties Co-operative Travel branches
      2. Co-op cash machines
      3. any of our other subsidiaries that we haven’t mentioned in these terms and conditions.
  12. Independent co-operative societies
    1. You can use your Membership card at some independent co-operative societies even though they aren’t part of the Co-op. At the moment, these are:
      • Central England Co-operative Limited
      • Chelmsford Star Co-operative Society Limited
      • The Southern Co-operative Limited
      • The Midcounties Co-operative Limited

      But this list may change, from time to time.

    2. When you spend with an independent co-operative, you won’t earn your 5%, 1% or any points with us but you may get a reward from that independent co-operative. This is because the amount you spend with the other co-operative is recorded against your Membership account with us. If the independent co-operative makes a dividend payment (which depends on the amount of profit they make), the dividend which is allocated to all our Co-op members is paid to us. We will then pay out the right amount to you depending on the amount you have spent. This payment will show on your Membership account statement as ‘Independent Co-operative Societies’.
    3. Any points you get from independent co-operative societies don’t count towards a share of our profits or other rights.
  13. Receiving a share of our profits (dividends)
    1. If you’re due a dividend (please see section 10.7) we can pay it directly into your bank account as long as you give us your bank details – or if you prefer we can send you vouchers instead. You can update your preferences by going online or by calling us. But once you’ve switched to vouchers you can’t switch back again. If you stop being a Member for any reason before receiving your dividend you won’t get it.
    2. If you ticked the box on the Membership application form to donate any dividend (share of profits) to a charitable cause we'll do this and keep on doing it until you tell us otherwise. You need to tick the Gift Aid box on the application for your donation to be treated as Gift Aid. This means that for every £1 you give, the charity will be able to reclaim a certain amount from HM Revenue & Customs, helping your donation go further. For your donation to qualify for Gift Aid you must be a UK taxpayer and pay enough UK Income tax and/or Capital Gains Tax to cover all your charitable donations in that tax year. If you pay less Income Tax and/or Capital Gains Tax in a tax year than the amount of Gift Aid claimed on all your donations it is your responsibility to pay any difference.
    3. If your dividend works out to be less than £2 we'll store up the balance in your Membership account until the next time you’re due a dividend. We won’t pay it out until it’s worth at least £2 (or such other amount as we decide from time to time).
    4. We don’t have to accept that anyone apart from you has any right or interest in your dividend.
  14. Spending your dividend vouchers
    1. You can spend your dividend vouchers at the following businesses:
      1. Co-op Food
      2. Co-operative Travel branches run by the Co-op
      3. Co-op Funeralcare
      4. The Co-operative Bank
      5. Co-op Legal Services
      6. Co-op Electrical

      But these may change, from time to time.

    2. You must show us your Membership card or key fob when you spend your vouchers – and the number on the voucher must match the number on your card or fob. We may also ask to see your ID.
    3. we'll give you change when you use your vouchers with us (except if with Co-op Electrical).
    4. Subject to any terms and conditions that they set from time to time you can also spend your dividend vouchers in certain independent co-operative businesses. The following independent co-operative societies won’t give you change if your vouchers are worth more than whatever you’re buying:
      1. Central England Co-operative Limited
      2. Chelmsford Star Co-operative Society Limited
      3. The Southern Co-operative Limited
    5. You can only swap your vouchers for cash at Co-op food stores or at branches of The Co-operative Bank.
    6. You must use your vouchers before they expire. Or you can send them back to us before they’ve expired and we'll renew them for you (send them to Co-op Member Services, The Co-op, c/o Swiss Post Solutions Ltd, Unit 550, Metroplex Business Park Manchester, M50 2UE). Once they’ve expired we won’t accept or renew them.
  15. Other things you should know
    1. Refunds or returns

      If you buy goods or services from us and then return them for a refund (or cancel or change them in some way) we may take back some or all of the points and rewards you earned on them (if any).

    2. Registering points and rewards for things you’ve already bought

      If you don’t have your Membership card or key fob with you when you buy them you can still get your points and rewards if you register your purchases with us within a certain number of days:

      1. Co-op Food – you need to request a ‘forgotten card receipt’ at the checkout, before you pay (you won’t be able to claim your points or rewards without it). Then register your shop online at www.coop.co.uk/membership within 14 days.
      2. Co-operative Travel – you can register your purchases within 7 days after you make your final payment at the same branch you booked with.
      3. Co-op Funeralcare – you cannot add points at a later date. You must show your full Membership card when you purchase a funeral plan or when arranging a funeral.
      4. Other Co-op businesses – please call Member Services.
    3. Lost or stolen cards: if your Membership card or key fob goes missing you must tell us right away. This section doesn’t apply to temporary cards (see section 5).
      1. You can do this online (through your Membership account) or by phone.
      2. If we ask you for evidence you need to send it to: Co-op Member Services Department 10703, Angel Square, Manchester, M60 0AG.
      3. We may pass on any useful or important information to the relevant authorities (e.g. the police) if we think it’s appropriate.
    4. Cancelling your Membership: You can cancel your Membership at any time by telling us. We can also remove or expel you from Membership in accordance with our Rules. The procedure for cancelling your Membership is set out in our Rules. This section doesn’t apply to temporary cards (see section 5).
    5. Changes to terms and conditions: We have the right to change these terms and conditions by giving you reasonable notice – for legal, regulatory, business or policy reasons. If you continue to use your Membership card after any change you will be considered to have accepted the new terms and conditions.
    6. Your rights: The constitutional rights you have as a Member are governed by our Rules and Regulations which can be amended in accordance with our governance arrangements.
    7. Third party rights: Only you and we have the right to enforce any of these terms and conditions under the Contract (Rights of Third Parties) Act 1999.
    8. Co-op Legal Services need to inform Co-op that you have become a client of Co-op Legal Services and the service you have bought to enable any 5% and 1%, points or discretionary rewards to be granted under these terms and conditions. This information would normally be treated as confidential. You will be asked whether providing this information is acceptable every time you purchase a legal service from Co-op Legal Services that is part of this scheme. If you aren’t happy for this information to be shared at the time that you buy one of the services then please inform Co-op Legal Services and they won’t notify Co-op that you are a client and you will not benefit from the 5% and 1%, points or any discretionary rewards you may be eligible for by buying the services. This is a regulatory condition which Co-op Legal Services must comply with.
    9. These terms and conditions (and any non-contractual obligations arising out of or in connection with them) are governed by English law.
    10. English courts have non-exclusive jurisdiction to settle any dispute arising out of or in connection with these terms and conditions (including disputes around any non-contractual obligations arising out of or in connection with these terms and conditions).

Appendix 1

Eligible purchases: your 5% and 1% rewards

Have a look at sections 7 to 9 of the long version that explain how to earn and spend your 5% and 1%

What you will & won’t earn 5% and 1% on

Co-op Food

You will earn 5% and 1% on:

  • Our Co-op branded products and services excluding home delivery
  • On selected products and services, from time to time

You won’t earn 5% and 1% on:

  • Fuel
  • First stage baby milk
  • Postage stamps
  • Saving schemes
  • Lottery purchases
  • Gift cards and vouchers
  • Phone cards
  • In-store concessions
  • PayPoint
  • Newspaper deliveries
  • Cigarettes and tobacco
  • All carrier bags including single use and reusable bags

Co-op Funeralcare

You will earn 5% and 1% on:

  • Our funeral services (as long as whoever’s paying for the funeral was a Member when the person whose funeral it is died)
  • Pre-paid funeral plans
  • Some products and services including memorial masonry. You will be advised if your purchase is eligible before purchase. You will need to show your Membership card at the time of purchase

You won’t earn 5% and 1% on:

  • Any fees we pay to other people for you (for example: cemetery fees, church fees, cremation fees, doctors fees and so on)
  • Any funeral plans you’re paying for on fixed monthly payments underwritten by a third Party

Co-op Legal Services

You will earn 5% and 1% on:

  • Wills, Trust Wills and Lasting Power of Attorney (LPAs)
  • Fixed price family services (Pre-nuptial, co-habitation & separation agreements)

You won’t earn 5% and 1% on:

  • Employment Law services
  • Litigation family services
  • Probate and estate administration services
  • Conveyancing
  • Personal Injury

How long will your 5% and 1% take to show up in your account?

Co-op Food

  • 5% - normally straightaway
  • 1% - normally within 24 hours

Co-op Funeralcare

  • On Funeral Plans when paying in full, your 5% and 1% will be allocated after the 30 day cooling off period
  • On Funeral Plans when paying in instalments, your 5% and 1% will be allocated in line with your instalment payments
  • On funeral services and products and services including memorial masonry your 5% and 1% will be allocated when you have paid the final invoice, providing this is prior to the 28 days due date

Co-op Legal Services

Within 15 days of the date of purchase


What you can & can’t spend your 5% on

Co-op Legal Services

You can spend your 5% on:

  • Wills, Trust Wills and Lasting Power of Attorney (LPAs)
  • Fixed price family services (Pre-nuptial, co-habitation & separation agreements)

You can’t spend your 5% on:

  • Employment Law services
  • Litigation family services
  • Probate and estate administration services
  • Conveyancing
  • Personal Injury

Appendix 2

Qualifying Purchases: Points

Have a look at sections 10 to 15 of the long version that summarise your membership rights under our Rules

What you will & won’t earn points on

  1. Co-op Funeralcare

    You will earn points on:

    • Funerals
    • Pre-paid funeral plans
    • Memorial masonry (headstones, for example)

    You won’t earn points on:

    • Any discounts
    • Any fees we pay to other people for you (for example: cemetery fees, church fees, newspaper notices and so on)
    • Any funeral, non-funeral or masonry sales you pay for with a funeral plan or bond (even if it only pays for part of the cost)
    • Retail funerals (for example: hospital or local authority, contract funerals, other funeral directors) and non funeral products and services
    • If you buy a funeral plan, you’ll earn your points once you’ve finished paying for it. To get your points, you must buy and pay for the funeral plan yourself direct from Co-op Funeralcare, not through a solicitor or a bank, for example.
  2. Co-op Food

    You won’t earn points on:

    • Fuel
    • First stage baby milk
    • Postage stamps
    • Saving schemes
    • Lottery purchases
    • Gift cards and vouchers
    • Phone cards
    • In-store concessions
    • PayPoint
    • Newspaper deliveries
    • Cigarettes and tobacco
    • All carrier bags including single use and reusable bags
  3. Co-op Insurance

    You will earn points on:

    • Any Co-op Insurance policies you buy directly from us (not through a broker, price comparison or cash back website, for example).

    You won’t earn points on:

    • Co-op Investments policies (pensions, savings and life & health insurance)
    • Any policies purchased from an Insurance Broker
    • Any policies after you die
    • Any policies for businesses
    • Any breakdown cover you buy as an add-on with your car insurance

    If there’s more than one Co-op Member on your policy, we’ll split the points equally between you.

    If you only become a Member or take out your policy part-way through the year, you’ll only get points for the number of full months you’ve been a Member and had your policy.

    If you break the terms of your policy, you may not get your points. That includes (among other things):

    • If you’re behind on your payments
    • If you’ve made a false claim
    How many points you’ll get:

    You’ll start earning points from the first day of the first month after you take out your policy or become a Member. (For example, if you take your policy or become a Member on 15 June, you’ll start to earn points on 1 July.)

    Insurance policy Points earned over six months Points earned over 12 months
    Buildings and contents insurance
    If you have more than one insurance policy with us, you’ll only get points at the renewal rate for one of those policies. For any other policies, you’ll get 100 points a year
    375 renewal 50 new policy 750 renewal 100 new policy
    Car insurance (excluding Young Driver Insurance) If you have more than one insurance policy with us, you’ll only get points at the renewal rate for one of those policies. For any other policies, you’ll get 100 points a year 375 renewal 50 new policy 750 renewal 100 new policy
    Breakdown Cover – Roadside 25 50
    Breakdown Cover – Recovery 75 150
    Breakdown Cover – Recovery & Home Start 100 200
    Breakdown Cover – European 100 200
    Pet insurance – Classic Cover 50 100
    Pet insurance - Select Plus 50 100

    Motor Breakdown cover is provided on behalf of Co-op Insurance by AXA Assistance (UK) Ltd.

    Pet Insurance from Co-op Insurance is provided, underwritten and administered by Allianz Insurance plc. Co-op Insurance is a brand used by CIS General Insurance Limited. CIS General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. FCA/PRA registration No. 435022. Registered Office: Miller Street, Manchester M60 0AL. Registered in England No. 29999R.

    Allianz Insurance plc. Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB. Email: cooperativepet.info@allianz.co.uk Allianz Insurance plc is authorised by the Financial Conduct Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FCA/PRA Register No. 121849.

    This can be checked by visiting the FCA website www.fca.gov.uk/register or by contacting the FCA on 0845 606 1234. CIS General Insurance Limited is not part of the Allianz (UK) Group.

  4. Co-op Electrical
    You won’t earn points on:
    • Delivery charges
    • Extended warranty insurance
  5. Co-op Legal Services
    You will earn points on:
    • Wills and conveyancing only

    For wills, you’ll get your points once you’ve paid for your will in full. For mirror wills, we’ll only give points to one Member.

    For conveyancing, you’ll get your points once we’ve finished the work. (If you sell or buy another property using our conveyancing service, you’ll get points for each transaction.)

    If you’re buying jointly with another Member, only one of you will get points.

    You won’t earn points on:
    • Personal injury
    • Probate & Estate Administration
    • Employment Law Services
    • Family Legal Services (including any fixed price family services)
    • Any legal services obtained via an insurance policy
  6. Co-operative Travel
    You can earn points when you book:
    • at any Co-operative Travel branch where you see the Co-op Membership sticker
    • through the Co-operative Travel Direct call centre
    • through our website (www.co-operativetravel.co.uk ) or at Future Travel Ltd.

    You’ll earn your points after you travel.

    You will earn points on:
    • The holiday itself (based on the standard brochure price, or the price when you book)
    • Car hire
    • Airport parking and lounge
    • Attraction tickets
    • Fully priced travel insurance products
    • Scheduled flights
    You won’t earn points on:
    • Some tour operators (see below)
    • Anything you book through a Co-operative Travel outlet that isn’t run by the Co-op or doesn’t show the Membership sticker
    • Any discounts
    • Co-operative Travel gift vouchers.
    • Surcharges or supplements including (among other things):
      • Fuel surcharges
      • Flight supplements
      • Single occupancy supplements
      • Under occupancy supplements
      • Foreign exchange products
      • Cancellation charges
    Tour operators

    From time to time, we may not award points for certain tour operators.

    We decide how many points you’ll get for which tour operator, which can also change from time to time.

    You can ask for a list of which tour operators you will or won’t get points for (and how many) in any Co-operative Travel branch.

    You must be Member at the time you book your travel to get your points.

    If you become a Member after you’ve paid for it in full, you won’t get your points (including anything you pay for in instalments). But if you become a Member after you’ve booked but before you’ve paid the full balance, you’ll get the points.

  7. The Co-operative Bank

    If you have an account in more than one name and more than one of you are Members, you’ll share the points equally. If you’ve been a Member for less than a year, you’ll get points for any full months you’ve been a Member.

    If you don’t keep your accounts up to date for the whole Financial Year, we reserve the right not to award points on those accounts or policies. This includes (but isn’t limited to):

    • Mortgages, credit cards and personal loans which are in arrears
    • Bank accounts where you have an unarranged overdraft

    You’ll only earn points for the time you held your account. If you open or close an account part way through a Financial Year, we'll only award you points for any full months that your account was open during that year.

    You will earn points on:

    • Accounts with The Co-operative Bank and Smile

    You won’t earn points on:

    • Co-op investments (pensions, savings, life and health insurance)
    • Any accounts where you die on or before the closing date
    • Fixed term deposits
    • Any bonds that are still in force (if it’s matured or you’ve converted it, you’ll get points for the time since it matured)
    • Business accounts

    How many points you’ll get

    The points you get from The Co-operative Bank may be worth less than a point you get directly from us.

    Credit cards and personal loans

    100 points a year – 50 points in November, 50 in June

    Current account (if you pay in more than £800 on average a month in a trading period)

    1200 points a year – 600 points in November, 600 points in June

    Current account (if you pay in over £100 but less than £800 a month)

    100 points a year – 50 points in November, 50 points in June

    *If your account is overdrawn for more than 90 days within a financial year, you won’t get any points.

    Mortgages (if you owe more than £500 on the last day of the trading period)

    750 points a year – 375 points in November, 375 points in June

    If you owe less than £500, you won’t get any points.

    Cash ISAs (if you have an average savings balance of more than £100 in the trading period)

    300 points a year – 150 points in November, 150 points in June

    Cash ISAs (if you have an average savings balance of less than £100 or any other qualifying savings account in the trading period)

    100 points a year – 50 points in November, 50 points in June

    If you have an average balance of less than £50 over the financial year, you won’t get any points.

    Type of product Account name Can I earn points on it?
    Mortgages Standard residential mortgages Yes
    Residential let mortgages Yes
    Shared equity/ownership mortgages Yes
    Buy to let mortgages No
    Mortgages provided by, through or with our partner organisations (for example: football clubs and trade unions) Yes
    Savings in conjunction with an offset mortgage Yes
    Savings and investments Easy Monthly Saver Yes
    EasySaver Yes
    DirectSaver Yes
    DirectSaver Reserve Yes
    Flexible Savings Yes
    Premium Saver Yes
    HomeSaver Yes
    Gross Interest Deposit Account Yes
    Maturity Saver Yes
    Clubs and Charities Account No
    FirstSaver Yes
    Cash Child Trust Fund Yes
    Stakeholder Child Trust Fund Yes
    Savings accounts provided by, through or with our partner organisations (for example: football clubs and trade unions) Yes
    Limited Access Cash ISA Yes
    Easy Monthly Saver Cash ISA Yes
    Cash ISA Yes
    Fixed Rate Cash ISA Yes
    Stocks and Shares ISA Yes
    ISAs provided by, through or with our partner organisations (for example: football clubs and trade unions) Yes
    Bonds including fixed rate bonds and Capital Bonds No
    Other products Products provided by, through or with our partner organisations (for example: AXA & Legal and General) including: No
    Investment products No
    Insurance No
    Life protection and pensions No
    Personal loans No
    Legal services No
    Credit cards No

    If you hold an offset mortgage, you’ll earn points at the prevailing rate for your savings and mortgage balances.

Co-operative Group Limited is a registered society under the Co-operative and Community Benefit Societies Act 2014. Registered No 525R.