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.
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The Co-operators Group Limited, founded in 1945, is a Canadian insurance co-operative owned by 44 members including co-ops, credit union centrals and representative farm organizations.