Cooperators Home Insurance Reviews

Had a claim for smoke and appliance damage in the Fort McMurray fire and they said my insurance wouldn't go up much but it nearly doubled from 3000 to 5700, what a joke of a company

I insured my home with Cooperators for 13 years because I had my auto insurance with them. Twice I had damage to my home that was caused by extreme weather, it should have been covered by my policy, but both times an adjuster was sent, my premises evaluated and photographed and then my claims denied. I then had to pay out of pocket for serious repairs, not knowing where to go I asked the Cooperators adjuster for a recommendation. I contacted the recommended contractor and ended up with poor workmanship, unresolved problem and a large bill. If you enjoy paying inflated rates and receiving no claims support, this is the company for you! Just be aware that when you find a better price elsewhere that gives better coverage, Cooperators will penalize you heavily financially for leaving anytime that is not in your renewal month. I recommend you go anywhere else.

Legitimate claim denied right away, rude customer service, didn't pick up a phone after claim denied. Rates are higher than average. In general - awful, stay away!

I am extremely unhappy with The Cooperators' terrible customer service & failure to pay claim. They were supposed to cover my Additional Living Expenses while I was unable to live in my condo for over 5 1/2 months. They paid for less than 2 weeks, & have refused to pay for the rest. It has been over a year since the claim was made, with no resolution. When they are not busy ignoring my claim, they have been fighting me tooth and nail. To get this claim resolved, I will now have to file a lawsuit against them, further increasing my out of pocket costs. They also have significantly raised my rates with a "claims surcharge" for a claim that was never paid in full.

After 25 years using Co-Operators as our home insurer, our premiums doubled because they decided to add mandatory coverage that we did not need. When we called to ask why and indicated that we were thinking of cancelling, we were not told that we would be charged a cancellation premium if we didn't cancel by a certain date. It took about 4 phone calls, always with different people, to finally get a complete explanation for why we were being charged a penalty to cancel. I expect better service after 25 claims free years. We've moved on to a new insurer that does not lump all home owners into the same risk category, even when it is not appropriate.

Very very high premium with very minimal coverage. The cost went from $1350.00 in 2018 to $2020.00 in 2019 with no claims, I dropped them, and they had no problem with that, I was with them for 46 years. I had to fight with them every year over the last 5 years, enough is enough!

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!

I was away for four months and I had the impression that my home insurance was to be renewed in February, but I was wrong. I got this renewal letter that threatens to contact my bank (where I had my mortgage)!!! WTF????

Anyhow, I went to the Cooperators' new office at Station Square (Burnaby) and this Asian guy couldn't speak English. I was supposed to guess what he was saying! I am Chinese, but I expect the insurance person to be proficient in English, somewhat.

Then the guy said in broken English, asking for my banking info. I refused to give it, as I would use my credit card to pay for the insurance charge. He said he couldn't proceed with the application - I WALKED AWAY.

Well, after I did my errands, I got home and looked around for another insurance company. Square One has a good reputation - in comparison to reviews for RBC, Canadian Direct AND Cooperators.

And the online home insurance application was so much easier!!! It asks for relevant insurance questions and provides me with the various option - for all relevant coverages.

Also, for what I had covered with Cooperators, Square One charges me at least $100 cheaper!

Perhaps I should thank the annoying, rude, slow speaking Asian guy at Cooperators - so I could get on with Square One.

I would never recommend Travel insurance or any other insurance with TIC/ Co-operators because they rip off people
My mom came to Canada and we applied for supervisa for her and i talked to the agent from PUNJAB INSURANCE, he said if the visa gets refused they will refund us the premium so i purchased the insurance But my mom didnt get the visa and she had to return after 4 months and when i called TIC/Co-operators for refund, they refused to return almost $ 1,000 because we claimed for two doctor's visit while my mom was staying for four months.
TIC/CO-OPERATORS INSURANCE RIP YOU OFF.
Never go with them.

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.