cooperators.ca

This awful insurance company tried to increase my premium by 12% this year for no good reason. I ins

This awful insurance company tried to increase my premium by 12% this year for no good reason. I insure three vehicles and a home in a bundle. Got quotes from other insurance companies and found insurance for more than 50% less than Cooperators. Shop around people, I hesitate to call it a scam, but my goodness something is not right with that company. Get a quote from any of the other major insurance companies and I think you'll be pleasantly surprised. I highly recommend SGI, for me they were more than 50% less than these guys.

Date of experience: Feb 12, 2026

I am writing to file complaint about Manjushree's (Co-operators) unethical and inflexible billing pr

I am writing to file complaint about Manjushree's (Co-operators) unethical and inflexible billing practices. After being a customer for more than 2 and half years with almost perfect record and nothing, I had to sell ( Trade-in) my car because I am getting another brand new one. I believed I was doing the responsible thing by cancelling my policy, as I no longer owned the vehicle. And also get a new one for the vehicle I am going to have on Saturday. Apparently I'd been quoted by Manjushree a little higher amount of Insurance policy for the new car and I decided to change Service despite my effort to give me best offer considering my history and good will because to be completely honest I didn't want to change from Co-operators.

Instead of a simple, prorated refund, I was hit with a shocking 345 Dollars ( which is one month full Auto and Home insurance payment) policy cancellation fee. i was shocked I didn't even started the coming month and I am calling early for cancellation because I didn't technically cancel my policy, I literally sold my car.

How is that be breach a of policy agreement and get penalized for that. It make no sense. and above all she mentioned you are getting a new car and literally mentioned this call is recorded kind of picked that from my mouth. This is totally worst customer service experience I've ever had.

This fee is not just an annoyance; it's fundamentally wrong. I am being punished for a normal life event. Their logic makes no sense.
After all this occurrence i told her to pursue the penalty fee and to cancel the policy on the COMING SATURDAY 01-FEB because that is the day that i am going to receive my new car while trading this car in.

The Most Surprising and Shocking thing happened tonight when I come back from work Police stopped me and asked for my insurance and apparently my Co-operators APP says "you don't have active policy". It looks like she cancelled he policy today WEDNESDAY.

Why Why Why..... This is the worst customer service experience I've ever had in my entire life. I am writing this email because I feel frustrated, sad, so irritated and at the same time feeling sorry for having this kind of agent in your company.

Date of experience: Jan 29, 2026

Co-operators is shit

Hands-down, the worst company out there. Trying to get insurance was on hold for more than 5 1/2 hours and then disconnected. Zero customer service like I don’t have anything better to do with my day and sit on hold all day to be disconnected. This company should be brought forward to the Better Business Bureau. When I had my policy with them before I started making payments through their app they never got the money and just discontinued my policy without telling me. Bunch of donkeys there.

Date of experience: Jan 28, 2026

I am writing to file complaint about Co-operator service

I am writing to file complaint about Manjushree's (Co-operators) unethical and inflexible billing practices. After being a customer for more than 2 and half years with almost perfect record and nothing, I had to sell ( Trade-in) my car because I am getting another brand new one. I believed I was doing the responsible thing by cancelling my policy, as I no longer owned the vehicle. And also get a new one for the vehicle I am going to have on Saturday. Apparently I'd been quoted by Manjushree a little higher amount of Insurance policy for the new car and I decided to change Service despite my effort to give me best offer considering my history and good will because to be completely honest I didn't want to change from Co-operators.Instead of a simple, prorated refund, I was hit with a shocking 345 Dollars ( which is one month full Auto and Home insurance payment) policy cancellation fee. i was shocked I didn't even started the coming month and I am calling early for cancellation because I didn't technically cancel my policy, I literally sold my car. How is that be breach a of policy agreement and get penalized for that. It make no sense. and above all she mentioned you are getting a new car and literally mentioned this call is recorded kind of picked that from my mouth. This is totally worst customer service experience I've ever had.This fee is not just an annoyance; it's fundamentally wrong. I am being punished for a normal life event. Their logic makes no sense.After all this occurrence i told her to pursue the penalty fee and to cancel the policy on the COMING SATURDAY 01-FEB because that is the day that i am going to receive my new car while trading this car in.The Most Surprising and Shocking thing happened tonight when I come back from work Police stopped me and asked for my insurance and apparently my Co-operators APP says "you don't have active policy". It looks like she cancelled he policy today WEDNESDAY. Why Why Why..... This is the worst customer service experience I've ever had in my entire life. I am writing this email because I feel frustrated, sad, so irritated and at the same time feeling sorry for having this kind of agent in your company.

Date of experience: Jan 28, 2026

“Long wait times—it took hours to set…

“Long wait times—it took hours to set up the policy. You would think they would have that sorted out. I have several businesses, and this has been the most unenjoyable company I’ve worked with.”

Date of experience: Jan 28, 2026

A negative rate should be possible

A negative rate should be possible. The worst experience of my life! The greatest feeling of injustice in the world! A white Canadian man hit my stopped car; I am a brown-skinned immigrant woman. The insurance company says I am 100% at fault.I was in front of my 5-year-old son's school, taking him out of his car seat, and my other son, who is 3 years old, was in his other car seat.The school bus driver hit my car door, he didn't see what was happening, people started yelling for him to stop because my door was stuck to the bus and my child and I were trapped in the middle.When we were filling out the documents, he asked for my help, saying: I'm a little blind.Everyone around saw it; we have several witnesses. I did absolutely nothing wrong. But the insurance company that's supposed to be on my side, the insurance company that receives my money every month, says that the person who clearly shouldn't have been carrying children on a bus is innocent.We have to consider that the fleet of buses insured by the school bus insurance company pays much more than I do. The one who pays more wins!

Date of experience: Jan 23, 2026

A bunch of idiots!

A bunch of idiots!Cancelled my policy due to their stupidity but still charged my credit card, had to dispute it. Charged my card again, had to dispute it again Was reimbursed both times but who needs the hassle.

Date of experience: Jan 21, 2026

Just to reaffirm

Just to reaffirm, folks stay away from this company, unless you want terrible service and pay way too much !

Date of experience: Dec 31, 2025

Terrible company

Terrible company, I literally had to reach out every time to get my claim sorted. The staff are under experienced and there was just a lack of communication between them and the the repair store. I was very disappointed. Would not recommend

Date of experience: Dec 22, 2025

Worst experience

Date of experience: Dec 12, 2025