Cooperators Auto Insurance Reviews

I had been with Co-operators since I was 18, twenty years later I move and ask to cancel my home insurance, it was agreed but apparently not noted in the call centre. I called back a couple months later when I realized payments had not stopped. Not only was I not offered my payments back I was penalized for cancelling the insurance after the said date. I argued that I had already cancelled and customer service did not oblige. I am normally very patient and loyal but I will be switching insurance companies. This does not please me by any means.

So I had been with Cooperators for some time and was considered an A-list driver (no previous records etc) and also had my home policy with them. Before I begin, I should also note that I received a call from a sales person about 6 months prior to upsell me on 'extra' accident insurance. The premium was so negligible - like 11$/year or something silly that I went for it. The context of the insurance was in the case of an accident - I would be given extra time and rental insurance. I cannot remember the numbers but it was something to the effect of - typically I would have $500 to cover the cost of a rental, and this upsell would be somewhere in the vicinity of $1200-1500. Easy I thought. Here is where it gets interesting.... fast forward 6 months or so later, and my wife and kids are struck head on by a driver who was texting on a highway. Everyone was ok, but I immediately got a call from an agent reassuring me that I could get a rental immediately and she even noted that I had the 'extra' insurance...yay for me. So we get a van, and while I am awaiting the status of my damaged van - say about 3 days, I start to get phone calls. "Has the adjuster let you know the status of the van?" ....me - "nothing yet" this goes on for 3 more consecutive days, but all the while I think - no big deal... this car is costing $35/day and I am nowhere near that, as I am only a few days in. So, my Math tells me I am not even dipping much farther than $100 of the $1200-$1500 available. By the next week, I got a call again and I began to grow concerned, so I asked what the deal was. The response was that once my damaged van was considered written off I had 24 hours to return the rental, as the company sends a settlement cheque out that day. Wait - 24 HOURS? What? I don't even have a replacement van yet? How does that even make sense? Well, apparently it does to them. Many, many phone calls to supervisors etc. etc. and I finally get to someone who is only interested in telling me the policy...to which I debate that it is impossible for me to drive to work in a cheque that is in the mail. Long story short, I was 'given' a few extra days since there were not even any vehicles to pick from in my region (car lots were out of stock on minivans if you can believe that) I was incensed, and have since taken my home and auto policies elsewhere. Not that many of the others are much better - I just could not stand the way I was treated. Hope you find this useful when making a selection.

I have had an accident with one of cooperator client, wish i was also at the time one of their client. It now has been over 6 month an had to file a claim in court. I receive a default jugement and still can't get my payment. Now i have to go thru the next step with is a cease of their bank account.
like seriously cooperator, start beeing an honest business and make up you name.
the only good thing i can say about this compagnie is that they never miss taking a payment of my bank account each month. Thank you to the finance team!!!!
Simon CLAIM #1072xxx

I was involved in an accident with a Cooperators Insurance client who was the party @ fault. From the date of the accident, it took 2 months to settle the claim. I was in a rental vehicle in the accident and the rental company was about to send a collection agency after me when Cooperators finally assumed responsibility for the accident, and agreed to pay for the repairs. After Cooperators made the payment to the rental company, nobody from Cooperators contacted me to tell me that it had in fact been paid, So I lost sleep over it thinking I was on the hook for the repair and a collection agency was after me. It was 7 days after the payment when I was finally informed of the payment. Cooperators was not very coperative.

I crashed my old car last month. Cancelled my insurance, was assured I wouldn't be charged again. Went to my bank, cancelled my plan, took all the money out.
Two weeks later these ingrates take the insurance payment for a car that no longer is insured. The next day the reimburse my bank, I get an NSF charge, that got reimbursed, then 7 days later they took it out again. Illegally. I didn't even notice because until after I made a deposit, and all my money was stolen.... Don't trust these people at all. I was a client for over 18 years and that's how they did me. Scam artists.

I was with this company for about 2 years. I was misled, lied to, overcharged, and threatened. Here we go:
I signed up using the Kanetix website, and got a good quote based on being a NAIT alumni.
About a year into the coverage, they decided to change my plan without my authorization. All of a sudden I get an email saying "here is your revised policy." I called to ask why this happened, they tell me I do not qualify for the previous rate, as I am not staff of NAIT school. I explained that I am a former student, not staff. They tell me they never had a plan for former students... I play an extensive game of phone tag to get this resolved, to no avail.
In the meantime Kanetix still quoted rates based on being a NAIT alumni, and listed Cooperators/Coseco (It has been corrected since). It was not worth my time to keep chasing them to correct their mistake, so I stayed with them. Also, in the process I was threatened to be charged back "what I should have been paying" for the erroneous coverage... Yeah, quality customer service right there.
This spring, I called to revise my policy and to ensure I had coverage for glass, as a friend had a problem with glass damage on her vehicle which her company would not cover, so I wanted to ensure I had coverage.
My policy listed "17d," which I inquired as to what that entails with Cooperators/Coseco via a phone call. The gentleman I spoke with explained that glass is covered through a comprehensive claim, except for the windshield. All was well for the time.
Recently, a rock went through my sunroof and I called to make my first claim. Replacement cost $1500+. I was told I do not have coverage!!
I provided many examples from online where I should be covered for this type of damage. Sited many resources including some from THEIR OWN WEBSITE. The lady I spoke with had the audacity to say "it's very rare anyone gets coverage for glass" Like I'm the only one out there with a glass moonroof??? They also told me that "coverage differs from each provider" umm for a specific feature on my coverage that all companies offer? That doesn't sound right.
Now I was led me on a wild goose chase to various other representatives up the chain. I spoke with someone who told me they would "review the recorded calls" of my conversation a few months ago regarding glass coverage. They come back and tell me a different situation than what I discussed with the guy. I asked to hear this recorded call, and was informed I needed a lawyer to do that!! Of course they can just cover their rear end like that.
So I made a proposal. Based on my poor experience with this company, either I pay the deductible of $250 to fix my roof plus the cost of the "correct" coverage difference over the past few months for glass (would have been about $45 give or take), AND I renew for another year,. Or, I flush them and go with someone else. They wouldn't play ball, so I canceled right then and there, and will tell everyone I know not to pick this insurance company. They even wanted to charge a cancellation fee!! No way that was happening.
Lessons learned:
- ALWAYS have a paper trail and RECORD your phone calls yourself when dealing with ANY insurance provider.
- ALWAYS get a second, third, or fourth opinion, and don't take one representatives word on what your coverage entails.
- Apparently, "17D Limited Glass" means something different depending on which provider you choose. Google various providers, and their definition of 17D, and you'll see what I mean.
- NEVER go with Cooperators/Coseco.

My spouse's truck was struck by a flying object in a wind storm. At first they said it was not covered, once I prooved it was, they then said there was no proof of a wind storm, then I prooved that as well. Then they said because there were no other claims that day, they dont believe us. I pointed out that there were a lot of down tress, and broken trampolines, but those people will not claim as not worth it compared to the deductable. They still refused. Not sure why we pay these guys for insurance if they are not going to cover anything.