Cooperators Auto Insurance Reviews
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Got a good deal with other company hence, decided to end the contract with Cooperators. Got an email saying the penalty will be $136, which is fine. When the payment day came, for some reason I was charged for home insurance too with an additional penalty which I opted out of a month ago as was not applicable to my new address. After inquiring, I was told that this was for the month before I ended the home insurance contract. I checked my statement, it was charged and reversed back on the card by them for no reason. And apparently, in such cases, they make a 2nd attempt to charge the card after 3 to 4 days again to see if that goes through, if not there is a penalty however, it wasn't charged by the company on the required date and for their mistake I pay an additional penalty, which isn't fair and does not make any sense to me at all.
This is one of the worst insurance companies I have ever seen. I am a full license holder for the past 5 years without a single accident or ticket. Even though I have a clear history and I am paying $350+ as my insurance and many who are coming new to the country they are getting for a cheaper price with them. When I ask about this the person who called me is giving a blunder reason and the worst service. Friends, please do not go with the Cooperators for any of your insurance needs. Before taking the insurance they won't say about the cancellation charges also. If we ask about that they will say "we are not sure how was your conversation earlier". They all are cheaters.
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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.
Please let it be known that I was wrongly accused by Cooperators insurance company. They do not work for you. If you have a claim with them be prepared to be in not there favour. A very unworthy insurance company, not recommended
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I sued Cooperators Insurance after they refused to pay my claim to replace my car $14,000 and for medical expenses. Sent me to their doctors (4) who will say there is nothing wrong. I had to leave Canada to pay out of pocket for multiple spine surgeries. It was worth it. I can walk again. I was not at fault but was the driver only passenger in the car (ICE) on the way to work. You only have 10 days to serve the city responsible or you are no longer allowed to sue. In lawsuit number 7 now and this is back in 2011. Car Insurers only pay for 2 years and only 70% of your earnings. The medical system in Ontario is a joke 48 doctors and no help except pain management. You are only entitled to $25,000 in medical expenses by law which they will not pay unless you sue. I had to wait 3 years to get disability from the federal government I had to sue them too and you have to reapply every 10 years. Yes you win in the end but you will lose everything trying. If you are in a car accident your fault or not and can no longer work in Ontario your life is over. Your only saving grace is to get your own disability insurance to age 65 you will have to sue to get it and a large life insurance policy. Take care of yourself no one else cares. The car insurers only pay $25,000 in funeral expenses. This will not even buy a burial plot anymore. If the insurer writes off your car and says its only worth $2,000 and you still have a large loan on the car tell them to repair it that is the only right you have left unless they took that away too.
Non-trustworthy in business. Very bad customer service, Not respond to your queries. Worst insurance company in Canada
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'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!