Cooperators Auto Insurance Reviews

You apply to insurance to follow the laws of your province.
Though, you pick the insurance that you think will fit your needs best.
Especially when accidents happen, whether at fault or not.
You pay money into their program, hopefully for the coverage that aids you best.
This company doesn't care you pay them for their coverage.
They dropped our coverage because we are “high Risk” even though we also paid a fee for the coverage. Plus, we paid minimum rates they don't cover.
Then they tried to sell us to a sister company and then in a year we could go back like we'd want to go back to a company that doesn't want to cover us when we pay for their coverage.
Don't go with cooperators unless your car only sits in your driveway.

I am writing to express my deep dissatisfaction and frustration regarding my recent experience with your insurance company.

To my surprise, I discovered a cancellation fee of $224.27, which I find excessive given the short duration of coverage. What adds to my dismay is the deduction of the down payment of $397.92 for just 9 days of coverage from December 22 to December 31. I believe it is only fair to consider one month as 30 days, not 8 days, making the charge seem exorbitant for the period in question.

Subsequent to the cancellation by the co-operator, I promptly secured alternative car insurance, which I am now paying approximately $230 per month. However, your expectation that I pay $622 for a mere 19 days of coverage is both unreasonable and disappointing. It is disheartening to be charged such an amount when I am now paying significantly less for a month of coverage with another provider.

I'm having a difficult time with this insurance company. I was misquoted TWICE by agents. First agent told me a price monthly only to receive a request for 4 times the amount in April. I canceled and went with the basic however I needed my car on the road for a few day in September. Spoke with this lady, confirm the price over 3 times with this agent due to previous experience. After using the service for a month this company is trying to charge me 3 times more the amount than quoted. Had my calls escalated, it was reviewed and the manager confirms the agent told me a particular price but still requesting for me to pay the overcharged amount. I need this issue to be escalated again however they're demanding I pay the extra money. I wouldn't recommend this company to anyone!!! They always try to overcharged their customers

Be cautious with this company! After I was promised their premiums were competitive I was tired of all the increases (I had been a customer for 15+ years).
I contacted a broker and discovered another company offered a 25% decrease compared to the premiums I was currently paying for 2 autos and a home policy.
Cooperators could not match the offer I received from another company.
I cancelled my two auto policies in December 2021 and just this month discovered the premiums were never properly cancelled and I was billed over $1500 worth of premiums. I requested a 5% interest payment ($75) but was told this is something that Cooperators does not do. Ironically if you are late on a payment they will charge you interest.
I wouldn't recommend this company to my worst enemy. Be very careful of their tactics.

I had my insurance cancelled after 10+ years. Received a letter stating I have 1 or more major criminal driving convictions when I don't have anything on my record.
Was spoken down to by Ryan, the insurance broker.
After insurance moved elsewhere a past was taken for 13/4 of the monthly payment from my bank with no explanation. I inquired and I don't get a response. Thus is how Hanover Cooperators treat their long-time customers. Brutal company and insurance broker.
They don't stand behind their policies. Do yourself a favour and insurance elsewhere. I did and found a better price.

Stay away from this company they don’t honour their own policies, they don’t answer questions, they are flat out rude and organized, I was with them 5 years had two very minor incidents they told me my accident forgiveness no longer applies and tripped my rates after the second one. When I asked questions they asked me for proof of registration and cancelled my policy before getting written notice in the mail blocking my access to my online services account and demanded that I still owed money. When I placed a stop payment on my account my bank informed me they had been taking money out under two different names so I had to place two stop payments. When I finally got my cancellation notice they cancelled it because they didn’t get proof of registration and one of the forms I signed 6 weeks before cancellation apparently wasn’t dated. This company has been caught lying to me on more than one occasion and has the worst customer service I have ever encountered.

They stole my money.
I cancelled early 15 days and they don't pay me back also they make a 115$ extra for my monthly payment for no reason ...

I was faced with a compulsory auto insurance charge to appear before a prosecutor because Cooperators cancelled my policy in Oct 2020 with no form of notification during a global pandemic over 1 payment declined. After tireless conversion with the Cooperators mo willing to issue me a letter stating I wasn't notified before they cancelled my policy. I have it on record, that there're no proofs that Cooperators contacted me. Cooperators intentions were premeditated and have no plans of taking responsibility to issue an apology, letter after all indications, you failed to follow due procedures even though I had updated my online account preferred contact method as specifically by phone in Sept 2020

Cancelled my auto policy due to 1 single missed payment. Never informed me of this (claimed a letter had been sent to my house) also allowed me to set up house insurance shortly after, and neglected to inform me that my auto policy had been cancelled on me. Then set up a new auto policy a month later and apologized, then revoked it a day later. Have put me in a bad situation, extended family moving all insurance to another brokerage. Had been with Kingston Ontario for over 20 years. Stay away from Cooperators. Save yourself...

A totally bad experience, if there is a negative rating I'll definitely give them, completely unreliable company, high insurance value, rude customer service. They are happy to extract money from you but give you hard time the other way round. Once my payment didn't go through for some unknown reason instead of contacting me they discontinued the insurance plus charged a penalty on it, and when I called back to check they are not ready to co-operate. Just their name is co-operators but they have totally zero co-operation. Never going to recommend anyone instead will forward this to all my contacts.