Cooperators Auto Insurance Reviews

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 was t-boned on the passenger side rear wheel by a distracted driver and Cooperators accused me of being at fault.

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.

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.

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.

Not only they are not aware of Western Etiquette on the phone and in person but also they are not English proficient (incomprehensible pronunciation due to a heavy Chinese accent). They are trained to talk to you over and be rude. Very slow service that will require you to call many times or wait on the phone forever to get them to provide information. They play dumb all the time to waste your time.

Very expensive, poor service, when I changed my address from Windsor, Ontario to Montreal, Quebec they almost doubled my auto insurance like $450. Even Montreal has the lowest auto insurance (in fact whole Quebec region).