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What our users say:

Excellent
Based on 322 reviews
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
dl
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 20
Imad Harrouk helped us with getting a…
Imad Harrouk helped us with getting a car insurance quote. He was very friendly ...
Barry
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 17
Highly Recommended !
I spoke with Mr. Imad Harrouk of DirectRate for quotes on my car and condo insur...
HL
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 13
Amazing service
Amazing service, Sonia is patient and helpful. Can not complain. I am happy with...
Miroslav Adalbert Elias
May 12
Meghan Ford helped me and she was…
Meghan Ford helped me and she was amazing. I saved $160/month between home and a...
Bruce
May 11
Easy
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
P COSTANTINI
April 16
Chelsea was very helpful and a pleasant…
Chelsea was very helpful and a pleasant person to deal with.
Keith Tarala
April 16
simple quick and easy
simple, quick and easy
tony palumbo

Learn more about The Co-operators Canada car insurance.

The Co-operators’ corporate philosophy puts fairness first. The brand’s reputation is based on this philosophy.

The Co-operative Life Insurance Company was founded by farmers from Saskatchewan, Quebec, Ontario and the Atlantic provinces in 1945. The company’s founders were disillusioned by big business after surviving the Great Depression. The hardships they experienced motivated them to found a new kind of insurance company, one based on a co-operative model. Headquartered in Guelph, Ont., The Co-operators is fully Canadian-owned.

The Co-operators’ auto insurance business structure differs from a for-profit insurance company in a few key ways. Policyholders are co-op members and can vote on the company’s direction at its annual general meeting, among other privileges. “Every member has an equal voice,” is a company motto. 

Most importantly, when a profit is made, it’s distributed to the co-op’s members. The Member Loyalty Program pays members out in a way that’s proportionate to the amount of business they do with them. For example, for someone who has a home and auto insurance policy with The Co-operators, the payout could come in the form of fees being waived.

Want to see how other car insurance companies compare against The Co-operators for car insurance? Get quotes online from 75+ Canadian insurance providers on LowestRates.ca today. 

Consumer reviews for The Co-operators.

ProvinceUser satisfaction rating
Alberta

 

 

 

 

 

Atlantic

 

 

 

 

 

Ontario

 

 

 

 

 

Quebec

What other insurance products does The Co-operators offer?

Along with insurance for most types of vehicles (motorcycles, mopeds, ATVs, motorhomes, snowmobiles, trailers, some unmodified antique autos and commercial and farm vehicles and fleets), The Co-operators offers several other kinds of coverage for individuals and businesses.

Home and property insurance: Policies for your home, condo, seasonal home (including cottages and mobile homes) or rental unit, plus boats and trailers. Coverage includes property, liability and personal belongings, with optional add-ons available. Renters can choose from “Classic” insurance or “Prestige,” if they want a higher coverage level for their belongings.

All standard home insurance policies with The Co-operators include some “extras” such as unauthorized credit and debit card use, expenses related to identity fraud and your personal property during a move.

Travel insurance: There are packages tailored to the needs of Canadians travelling or living abroad, and even to cover any gaps in provincial health insurance coverage for expats returning to Canada. There are also plans for visitors to Canada, including special packages for international students and long-term “Super Visa” stays that require proof of health coverage from a Canadian insurer. Plans covering business travel are also available.

Life insurance: A variety of different term and permanent life insurance options, plus disability, critical illness and mortgage insurance.

Business insurance: Coverage for a range of different business operations, including farms, cooperatives and nonprofits. Coverage for home-based businesses is offered as an extension of your home insurance policy. The Co-operators also offers group auto and home insurance plans and group benefits and retirement packages for organizations.

The Co-operators car insurance advantage.

Discounts

The Co-operators Insurance Canada provides its members with a number of ways to save on auto insurance.

  • Get a discount when you bundle two or more insurance policies with The Co-operators (home and auto is a common combo).
  • In standing with its socially-conscious ethos, The Co-operators offers automatic discounts to policyholders seeking to insure hybrid cars.
  • If you belong to a professional, business or alumni organization, you may be eligible for even more discounts with The Co-operators. You might also qualify if your employer offers group insurance.
  • If your driving record has been free from accident and traffic violations for a certain number of years, The Co-operators will offer you a lower premium compared to a driver with a patchier one.

There are even more ways to save on insurance: install an anti-theft device in your car; insure more than one vehicle with The Co-operators; have more vehicles and fewer drivers; renew your insurance with The Co-operators, and lastly, use winter tires during the winter months.

Special programs

En-route Auto Program:  The Co-operators’ telematics program is called the en-route Auto Program. Telematics is also known as usage-based auto insurance, and it’s offered by most insurers. The en-route Auto Program uses a wireless device to collect information about your driving, like your braking and acceleration and the distance you travel (among other factors). This is a voluntary add-on. By signing up, you’ll immediately save 5% off your annual premium. If you demonstrate good driving habits for an entire year, you could qualify for a discount of up to 25%. The discount will be applied to your account when you’re up for renewal. One downside is that the device is not compatible with vehicle models made before 1997, or certain vehicle makes and models.

Is there an app?

Yes, there is. The Co-operators’ app is available for Android or iOS. It allows you to file a claim, view your policy and billing documents, get a quote and find an advisor, all from within the app. Once you purchase a policy with The Co-operators, you will get login credentials that will allow you to access the app.

How to submit a claim with The Co-operators

If you’re considering making a claim, but you’re not sure you really need to, The Co-operators guarantees access to a claims agent who can answer your questions and help you decide. Your premium will not increase, nor will your inquiry impact your policy in the future.

There are several ways to start a claim with The Co-operators, but the first step is contacting your Co-operators financial advisor. You can do this by phone or through the app. Below are the numbers to file an insurance claim with The Co-operators. 

 

Phone number for The Co-operators car insurance claims line:
1-877-682-5246
 
To contact The Co-operators insurance claims line in Quebec:
1-877-594-2667
 
File through the app:
The Co-operators' app, available for iOS and Android, allows you to file claims on your smartphone.
Hours of availability:
The above phone numbers for The Co-operators insurance claims line are staffed 24-7, all year-round.
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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