Cooperators Auto Insurance Reviews

Honestly if I could give 0 stars I would! This company lack professionalism, communication and anything positive that a business should have. I had a terrible claim experience with them and now I'm just trying to get information making sure everything was paid. And I have sent several follow ups to different parties of this company and have heard 0 replies from anyone. It takes two seconds to send a email or let someone know what process you are in. Honestly don't know how this company is still in business. STAY AWAY!!!!!!!!!!

I am with you for almost ten years with no claim. But they increase insurance prices without notice. Compare to other companies they are very expensive and unreliable. I recently missed a payment due to a bank holiday. They try to collect the pre-authorized payment on holiday.
When I ask from them they didn't talk to me in a polite way. Send me an e-mail saying that if I miss again, there will be another charge or something. It was like a threat.
I decided to drop this company from my auto and home Insurance. I can find a cheaper, better place that valued its customers. I am very disappointed with this company.

Got a good deal with other company hence, decided to end the contract with Cooperators. Got an email saying the penalty will be $136, which is fine. When the payment day came, for some reason I was charged for home insurance too with an additional penalty which I opted out of a month ago as was not applicable to my new address. After inquiring, I was told that this was for the month before I ended the home insurance contract. I checked my statement, it was charged and reversed back on the card by them for no reason. And apparently, in such cases, they make a 2nd attempt to charge the card after 3 to 4 days again to see if that goes through, if not there is a penalty however, it wasn't charged by the company on the required date and for their mistake I pay an additional penalty, which isn't fair and does not make any sense to me at all.

The horrible company cancelled my insurance TWICE and they still keep taking payments from me. I called 3 weeks before my payment date and cancelled, the lady I spoke with told me it was taken care of. Fast forward to the 25th where my payment is originally due, I checked my account and they still took payment. I emailed them and asked what happened and she told me they don’t cancel policies over the phone and of course, I’m angry: the lady who originally cancelled my insurance lied to me. So I cancelled through email and asked for reimbursement on that last payment due to the fact I lost my job from COVID 19 and needed that money for priorities. I explained that and got a refund only to find that the retook the money out of my account only 5 days later. Not very happy with this place and I will never go back or ever recommend to anyone.

I purchased insurance last year from this company. In April I was robbed and my credit cards with everything else in my purse were stolen. While I awaited replacements for my stolen cards, the time passed for payment and the payment was missed. I had trouble getting to everyone in time. However, when my new cards came I called them and gave them the new number. They got the payment two weeks late. In May, they closed my policy the day before the payment was due, instead of withdrawing the funds as per the automatic withdrawal agreement I had signed with them. They didn't let me know they cancelled my policy until I called them in the fall. They told me my insurance had been cancelled. I was at the hospital in another city with my disabled son. But we got it going again and again, in September they cancelled the policy the day it was due instead of withdrawing the funds from my credit card again. Each time the amount was increased. Now I know of at least two other people they have done this to also. Now my record is stained as a non-payer. But their negligence in not auto withdrawing the funds isn't me not paying. And they do not tell you they have cancelled the policy. I called in January and found this out. Also, I have a GIC with them, that they have no trouble withdrawing money every month. And the receptionist refuses to let me speak to the broker. I called to make changes, and now I just want my money out and have no way to access it. Also, be careful with your personal info. They contacted my estranged husband for some information.

I had a theft from my bank account. The bank, of course, takes a long time to do anything. I live paycheck to paycheck like most. I had 600 dollars go missing from my bank account and the bank can not answer to it. So, the police and the bank were investigating. I advised cooperators that this had happened and they went ahead and took money when it wasn't there. Including their NSF fee. Of course, with my accounts on hold pending an investigation. I couldn't put money in nor take it out. However, they went ahead and attempted with only 3 days notice. 10 calendar days is required by law in Ontario. That being said they wanted more NFS fees as well as I was paying the NFS fee from the bank. So, now one-month premiums ended up being 3 times the price because they did not care enough to see what their customer was living through and forced more issues that needed to be. I had a claim in December. It took 3 weeks to get a rental car. So far I'm without insurance because of reasons beyond my control. After 7 years of being a client... They don't care about the issues that are beyond your control. They expect you to live just like them or your scum. Horrible people to think their benefit should be at the cost of a child not eating.

I had a small accident while I was doing delivery for SkipThe Dishes, I didn’t know that I need to inform that I was doing SkipThe Dishes delivery and I even did it for only a few days. I told these people truly that what actually happened. I told them I didn’t know about this because I am a new driver and it’s a 2 months old brand new Hyundai Sonata. They took a statement from 3-4 times and I asked them if it's not covered, please tell me, I will fix it. They didn’t say anything, they were saying we are doing verification, it’s been 28 days, I didn’t get anything and they didn’t pay for a rental. I paid 1000$ for that, and still, my file is pending. Whenever I ask them if they would send, I need these documents and I send right away and again, they take time to reply, this is the worst service I have ever seen.

They didn't pass my claim because I was doing ridesharing at the moment. I had already informed them before one month of the accident that I was doing part-time ridesharing. They seemed fine with that at the moment and when the accident happened, they rejected the claim. I was covered by insurance, which was providing through LYFT, but they only gave me actual cash value as they didn't have OPCF 43 in their policy (car was declared as totalled). The car was brand new and was only used for two month and I had OPCF 43 and rented car policy in my Cooperators policy. They didn't cover me for Class 5 grand, therefore, I didn't get a new car and was in loss of 10 grand after everything because of all the accessories and aftermarket expense. I paid them for OPCF 43(waiver of car depreciation) but they didn't cover me for a penny and now I owe 6 grand to a bank and I got no car in my garage. I was right about everything and they didn't care about the customer who is broke.

If you have to deal with these people for any type of claim, make sure you have a lawyer involved. My experience with one of the agents was an absolute disgrace. I've been screwed around on every step of my claim. They cut the rental car off 3 days after their appraiser gave me an estimate on the value of my vehicle (cheque hadn't even arrived yet). They jerked me around on my injury claim. They don't seem to return phone calls. These people aren't there to help you through the process, they're out to nickel and dime you at every step of the way.

This is the worst company I have had an experience with. Their customer service reps are rude and have no idea what they are talking about if you call for advice. I’m a new driver and I got into an accident 6 months after I got my car, and if my accident wasn’t bad enough, the insurance company made my life much worse while dealing with them. It took me over 7 calls to finally be told that the claims department on the weekend doesn’t know the procedures and information regarding my problem, so instead of just telling me the first time, they gave me different answers and ended up costing me 200$ extra because they instructed me wrong. I’m so beyond upset because the customer service rep wouldn’t even let me finish my sentence before he interrupted me, then had the nerve to tell me not to talk over him. Sir, if you had let me finish my sentence, then I would’ve stopped talking so you could answer. Needless to say, me and my family are taking our business elsewhere.