Cooperators Auto Insurance Reviews

My insurance has increased despite driving far less during the pandemic and having a good record. The deductibles are also awful. Terrible service. Terrible insurance. Avoid at all costs.

Customer loyalty and tenure mean absolutely nothing. After many years with them, we had to purchase a new vehicle, our rates were dramatically increased for no reason at all. They "create" reasons to increase your rates. I immediately shopped around after receiving their ridiculous quote, and received the exact same coverage from a major Bank, for less than 50% of their quote. Look for better options than Cooperators, and always get competitive quotes on renewals. Don't fall for insurance scams.

I've been with this company for three years. During the pandemic, I worked from home and did not use my car daily and no claims but when I asked for renewal my premium went up to $500. They say the company has merged with another. The lady I spoke with was also very rude no empathy at all. Avoid this insurance company at all costs!

The Cooperators increased my premiums after my insurance Coseco was acquired. Somewhere during this acquisition, my files were transferred from Coseco to Cooperators and my insurance premiums increased. When I spoke to the Cooperators, the agent indicated that my policy was up for renewal and due to a speeding ticket 3 years prior my rates were increased. I did not recall this infraction and questioned the agent why my rates did not increase the previous years then if that was the case. I could not get a satisfactory answer. The response I received was your policy has been renewed. When I asked for a breakdown of my policy and we started to go over my coverage it was noted that my discounts that was applied by Cooperators was not accurate. These discounts were adjusted on the fly leading to a further increase to my premiums. My insurance rates was conveniently increased on my renewal once my files were taken over by the Cooperators and has increased to over $100 per month? When I asked for a discount for not driving my vehicle during COVID, I was told that I did not qualify since my Policy was new with Cooperators. How is it fair for a company to take over my insurance without my consent and approval and have the right to increase my premiums and then refused any credits that I would be qualified for?

I received rebates for less driving as well as a rebate for being mortgage-free, which was early July. I've just got my statement for renewal jacked my insurance up to $400 for the year. GREAT savings and then I try to speak to someone, waited for 2 hours on hold and finally, gave up. Insurance is legalized extortion.

I had my first at-fault accident after 22 years of driving. By all measures, it qualified for a minor accident status, with $1200 repair cost to the other vehicle and $0 to mine. My license plate mounting bolts left an imprint in the other's bumper cover, that was it. I wanted to pay off the other driver, which the Cooperators was okay with (minor accident stipulation in Ontario insurance law). However, the other driver did not want to be paid, they wanted their insurance to handle it. So then, the Cooperators, unwilling to consider the minor nature of the accident, held it against me and jacked up my rate 50%.

They've been my auto provider for the past few years. I wanted to take a break from coverage as I was away for work for a few months. Then when I started back up they upped my rate without telling me and it was a hassle every step of the way with them. Changed providers and am paying half as much.

We had a horrible experience with this company now we pay such a high rate with zero notice that rates were going up. This should be considered criminal in Canada but it's not and they will not talk to you either they only want you talking to your broker. They are crooks and they get away with it because they can. Canada needs to help Canadians and stop robing them. We had a claim years ago not with them. After 2 years of being with them in good standing that's when they pulled the rug underneath us. The disgusting company with zero family values.

I have been with a Cooperators for 4 years. Their lack in attention to detail is terrible, I was repeatedly charged for items that I had asked to be removed from my policy (e.g. windshield protection). My recent renewal really put me over the edge. The customer service representative indicated that I had to pay an addition $1000/year for the next three years on my husbands auto insurance because my husband had received a distracted driving ticket. A ticket where he was sitting a stationary vehicle that was off!! The representative indicated that the increase to premiums as a resulting of tickets/convictions was 5 - 10% depending on what it was for. The representative couldn't provide any concrete answers or information why my premium was going up by 35%, said it was too bad for me. Too bad for the Cooperators, I will be taking my business elsewhere.