Cooperators Auto Insurance Reviews

Extremely difficult to deal with. Will give you all sort of run around. Will promise you a ton and will never keep their promises.
Stay away if you can.

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%.

All they do is collecting money. When I called for a flooded basement they said I am not covered. Called to rent a van from the discount they claimed I am not insured to drive a van. If I die they will say you are not covered.

I advise anyone to never use this company for anything. I had a car with them and they did have good coverage and got me what I needed for the cheapest I could find to insure my car, which is the only reason they have above zero stars from me. All customer service representatives are undereducated and quite frankly rude. I was hung up on, yelled at, and aggressively spoken to when trying to make my claim. They were unreasonable and when I tried getting a new car, I decided to give them another chance because they were cheap. And they put me through this big unneeded process just to have me transferred 3 times and after talking to one lady for no more than 2 minutes, she said even though my accident was resolved and my court case went in my favour that none of it mattered and they wouldn’t take me on as a client anymore. Terrible. Terrible company. No one use them.

When I moved from Ontario, I was devestated that they were charging so much.

Their rates seem to be on par with other companies. No claims, so I have no complaints their. Their staff always seem confused by simple requests such as asking for a copy of my policy. Very high turnover with their staff so no "personal touch".

I was not contacted or advised regarding my claim, when I had an accident and only found out that the claim had been paid I phoned to see what the state of the claim was.