Cooperators Home Insurance Reviews

As if we haven't been through enough cooperators is putting Fort McMurrians through round two by being unfair to their clients to save money. Yes I know, hose the client and you save money. Thats how insurers do it.

One good thing that has come out of the natural disaster is we get to see what insurance companies shine when it comes to claims. Unfortunately my "premium" home insurance with cooperators doesn't even come close to what other insurers are doing for their clients with basic coverage.

First off, don't call us we'll call you. Terrible service. You can leave voice mail after voice mail and get no response. For 3 weeks. I know their busy but thats not my problem. They make me pay my premiums on time so they should be there for you.

When they did get back to me I was nickle and dimed so bad I feelt used and taken advantage of.

Loss of Use: I did not have $150 a night to front for a hotel so I had milk off of family and sleep on a sofa for 8 weeks. My policy will pay up to $78,000 for loss of use but since I could not afford to pay for the hotel out of my pocket I'm getting reimbursed $7 a night....yes thats right $7 a night since I stayed with family. I cant even buy them dinner as a thankyou
Smoke damage to contents: Upon returning home my house has severe smoke damage. They offered me 3,900% less than TD's standard no negotiating rate. I feel used, abused and taken advantage of.

Long story short, with 50,000 people making a claim at the same time for the same loss people talk and the truth come out about who is the best and who treats their clients like scum comes out.

TD: comes out on top. They have been more than fair with their customers. If you don't want their cleaners they will pay $82.50/hr which is the going rate for a cleaner. They were also pre-paying for hotel rooms for their clients. Emergency evacuation cheques of $3000-6000 depending on family size were handed out ASAP or as direct deposit. Smoke damaged clothing and bedding is paid out at the drycleaners rate of $400 per bag

AMA: middle of the pack. From what I hear their payouts for loss has been a bit of a struggle but if you put up a few stern fights you will get an ok settlement and have to accept some loss to damaged goods. They wont see my business from what I've heard.

Cooperators: After fighting for 5 weeks they are willing to pay you $15/hr to clean your home (I wish I had TD right about now). Emergency Evacuation cheques were $5000 for a family and it took 7 weeks and a lot of phone calls to get us the money. Apparently they dont have the technology to wire you the money like other insurers. Little late now, I could have used a place to sleep and maybe some food... Smoke damaged clothing and plush toys being paid out at $10 a bag to get drycleaned....good luck with that one. (I wish I had TD)

AVIVA: Well...... If I had aviva I would be crying myself to sleep at night. I thought Cooperators was bad....Yikes. The company is telling people to save receipts and they will decide if they will pay. There is no point in paying for insurance if when you go to make a claim the company has no money to pay. Where did their clients yearly premiums go?

A message to cooperators: I have been a client for 40 years. I pay you $8000 a year in premiums. In the 40 years I have never once made a claim. Now when I need you the most after being evacuated for 5 weeks with the clothes on my back, no shoes, no wallet, no ID, no food, $8 dollars in my pocket and this is how you treat me? Thank you..... really... thank you.

I have been with Cooperators for many years, both with contents and strata policies. The level of service I have experience resulting from a burglary last year has left me looking for another insurance company! Not returning calls/emails, insisting I use both policies and pay both deductibles for the burglary, expecting me to live upstairs in my house while they remove my kitchen and replace the damaged floors (from broken glass) and providing NO process I can follow for this claim have left me frustrated and angry. Never mind the fact that the premiums have gone up 60% in the last four years! Really Cooperators, you can do much better than that!

8 Jun asked local office in Strathroy why premium for home insurance had increased by 22 %, they would look into and contact head office. 21 Jun, they had not contacted anybody and gave lame excuses citing cut in "discount" for new policy of 5% plus increase in premiums, however when asked for figures did not know. Then promised they would contact "underwriter" and call me. Received call now ts a 30 dollar discount loss and increase in premium and I can actually talk to an agent on 24 Jun! My original premium for dwelling was 357 now increased to 411 dollars or 54 dollar increase. All I want to know is why and why does it take so long to get an answer? When I asked for tel no of district office I was refused and told company policy I must speak to agent first, pathetic service avoid Co-operators if you can, they seem to think your at their beck and call instead of remembering about customer service!

Very bad experience. Been a loyal customer for more than 10 years. Without getting correct information they just increase the rates on assumptions about additional drivers. It always depends whom you reach over the phone, some brokers are extremely good and some nasty and very rude. I cancelled my policy with them and went with a one with better service and understanding. They don't have a system to make complaints.

This company and employees only care about them, I've never had such experience my insurance has been the same since i got my car/license- it was 390 in 2019, came down to 230 per month when i change my place/address it never affected but they call me after 2 years and say your region wasn’t updated but the address is correct! And now it has been increased to 390 again in 2023. Such a bad experience.

They make it sound like they would take care of you but all they want is your money. The salesman makes it sound like Co-operators is the best in the world but do not be deceived. My townhouse was flooded twice in the same year by the people upstairs. Even though it was the tenants who lived upstair's fault, they will push the payments on you and make up a story that you have to pay first and that they don't go after the other tenant's insurance even though it was their fault. Then on top of that, they said when you renew your insurance, your insurance might just go up a bit. When it was time for renewing insurance, they dropped me and said they could no longer cover my insurance and told me to go look somewhere else. Poor customer service with a lot of attitudes. Never have I been angrier in my life. Was cheated by these joke. You will regret going with these fools.

We were customers of Co-operators for over 10 yrs. Recently, we cancelled our home and auto insurance with them. Even though they sent an email that they cancelled the policy, they kept on automatic deduction from our account. When we try to deal with it, the people there were very rude and would not admit that they have made a mistake. The Insurance Agent hung up the call when I tried to explain the error. They are nasty and just a bunch of thieves. Please think twice before dealing with the CO-OPERATORS. Don't waste your hard-earned money.

I spoke with them over the phone to cancel our insurance, 2 months later they send us a letter saying we owe them a $50 cancellation fee, saying my phone conversation with one of their reps, wasn't on file. Definitely would not recommend going with them, there are better rates out there with other insurance companies who won't gouge you when you cancel your plan.

They messed up on my Account and Changed my Address without me knowing and charged me then charged me again to change back.
Also changed policy for House that I did not have and charged me and never put it back to Apartment Insurance.
Will Cancel with them and don't ever go with them again.
Some Idiot put the wrong Credit Card Number and they charged me NSF for $25 x 2 = + = $66.84 That I now have to pay. Also they said if a problem comes up the policy is they don't contact your Branch or the Client.

I agreed to pay $29.50 for home insurance. Over the last 6 months, the company has withdrawn over $675 from my bank account and refuses to return my money. Don't use this company. They sneak in fees and services. They're crooks.