Cooperators Auto Insurance Reviews

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.

We are new immigrants. Approximately two months ago we asked for a quote for car insurance and we received a fair price from Co-operators insurance. Two agents from the company gave as the same price according to the documents that we provided (driving licenses from abroad, clear accident records and driving experience).
We were asked to provide them with Canadian driving license as soon as we receive one.
Once we did, we came to the office, BUT...this time the agent said that a mistake was made by both of the agents (!), and the price should be twice higher because, they do not accept experience from out of the country!!! This is a total breach of a contract.
I have never saw a company this unprofessional .
Why do we have to pay a double price if it was not the price we agreed on? Can they change the price in the middle of a contract???
We will never do business with them again. That is for sure!

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.

Summary: Poor service, tactless adjusters only interested in finding ways to deny the claim at any cost.
a. Called in a claim on April 18, 2016 for flooding of vehicle on my way home from the airport. Report recorded end of conversation.
b. Claims adjuster calls she insists I had a collision with water on the roadway and the roadway was in fact a body of water. Asked that I have the owner of the vehicle file a claim with his insurance company. Although I explained that he lent me the vehicle on good faith, damage to the vehicle was caused while it was in my use and possession therefore I shall indemnify him against the loss. Lender of the vehicle had asked me to purchase insurance for just such circumstances. I had bought insurance for non-owned vehicles, clearly stated in plain English from my insurance company cooperators.
c. Since there were several inaccuracies in Adjusters description I requested that a transcript of initial and subsequent calls be supplied for review.
d. No transcripts supplied and update of status of the claim.
e. Called to ascertain status of claim and repeated request for a transcript. She said "in my 28 years we have never supplied any body a copy of their claim". When I said I shall be writing to the provincial superintendent of insurance about this and other related matters, she promised to look into it.
f. Conclusion: I don't give tinker's damn whether the claim is accepted and what I gain or lose, I shall teach cooperators to deal with their customers TRUTHFULLY and treat them them with RESPECT.
g. Recommendation: Do yourself a favor stay away from cooperators.

Who takes a three week lunch break? Wtf. I called them and they said that buddy will call me back when he comes back from lunch. Three weeks later I am still waiting. Probably a great place to work if you have a three week lunch break, but as a customer, garbage service. There are lots of insurance companies out there. Avoid this one.

they are a bunch of crooks! I asked for a quote for my husband and they wouldn't insure him. Then they discovered that he wasn't insured on my van and conveniently took money out of my account "because he lives at the same address." He is insured by another company. Needless to say that I am cancelling all my insurance including my home insurance. They are ruthless, aggressive, lack compassion and understanding. I'm looking into the legalities around withdrawing money from my account without my permission. DO NOT GO WITH CO-OPERATORS! If I can give them a zero rating I would.

Cooperators was so nice and professional until I argued back about the horrible service my car received by “ their top - recommended shop” Took my Audi to a Chevy shop to have body work. I questioned as to why I would HAVE TO take it to them, was told they are extremely reputable and would stand behind their work 100% - My car was returned with missing parts, lose shields, one major damage was not even looked into. Had to leave my car for 2 weeks to have it finished and still once returned it was not finished. I took it to Audi who was able to reset the sensor lights. I demanded that a Co operator representative take a look at my a car at Audi.. After they did they told me they deemed that the additional scratches to the under shield were not caused the loss, it was caused by me .. driving the vehicle!!! Well the entire argument is that they did not fix the car properly. Its been 7 weeks since the claim was opened and obviously I have driven the car with a lose shield !!!!!.. I have written emails and made phone calls.. I have been very courteous and patient .. and today I was told that the same specialist who said would have called me back 5 days ago.. would definitely call me in 2 hrs. This is the first time I have ever had to use my insurance company and based on their actions I cannot give any positive feedback. If my experience helps anyone… please don’t sign up with them.. they are inadequate and lack the basic wiliness to want to service their customers. Bad bad service… they do not care about customer satisfaction … they don’t follow up and clearly they don’t care if the serviced car has pending work!!! T E R R I B L E SERVICE.

We had an accident with our truck where someone t-boned us. Everything was set up. Truck to be repaired & a rental. Our claim rep told us where to pick up the rental. Well after dropping the truck off at the body shop & going to pick up our rental. The rental company informs us that we can not pick it up due to being under the age of 25. Under standing. But our Rep should have been aware of the guide lines, Try the next rental place in our town & they can not give us a rental due to being on a GDL. (Which our rep didn't even know what a GDL was) She tried a place in the city (1.5hrs away) They need a deposit of $150 paid but us. Not taken care of by insurance. Not to mention it was a small car (We live down a long gravel road in the country, a car will not due)
I was very disappointed in the rep due to not being able to check out with rental company's to see what their policy's were when renting. So because we are still young & haven't been in to the city to get off the GDL we are totally screwed out of a vehicle till ours is down. Not knowing how I will be getting home tonight. & Not like she cared about the situation she left us in either.