Disclosed are conditioning compositions comprising by weight: (a) from about 0.1% to about 10% of a surfactant system comprising at least one cationic surfactant; (b) from about 0.05% to about 10% of a polymer selected from the group consisting of an anionic polymer, an amphoteric polymer, and mixtures thereof; (c) from about 0.1% to about 20% of a conditioning agent; and (d) an aqueous carrier; wherein the surfactant system and the polymer from a water-insoluble complex. The compositions are especially suitable for hair care products such as hair conditioning products for rinse-off use.