What is Co-Operators car insurance worth? 2025 review
Our expert's review on Co-Operators
Co-operators car insurance provides a comprehensive and well-defined offer that aligns with the needs of many Canadian drivers. The formulas are based on mandatory provincial coverage, which can be enhanced with optional protections like Collision, Comprehensive, and Accident Protection. Reimbursement ceilings are competitive, with liability limits of up to $2 million, and deductibles are adjustable to fit the policyholder's budget, though a dedicated prevention budget is not explicitly mentioned.
Against its market competitors, Co-operators holds a strong position by offering unique features like Depreciation Protection for new cars and preferred pricing for group members, making it a valuable contender.
This insurance is particularly recommended for owners of new vehicles, members of affiliated groups, and drivers seeking to bundle their policies for savings.
While Co-operators outlines a standard claims process, specific data on premium volume, average reimbursement times, and third-party ratings like Trustpilot are not available in the provided documentation.
- ✅Accident Protection for premium forgiveness.
- ✅Depreciation Protection for new vehicles.
- ✅Preferred rates for group members.
- ✅Discounts for bundling policies.
- ✅Liability coverage up to $2 million.
- ✅Flexible and adjustable deductibles.
- ✅Discounts for winter tires and multiple vehicles.
- ❌Theft exclusion by household members.
- ❌No specified reimbursement timeframes online.
- ❌Lack of public third-party customer ratings.
- ❌Limited details on roadside assistance services.
- ❌Full policy details require direct contact.
Score- ✅Accident Protection for premium forgiveness.
- ✅Depreciation Protection for new vehicles.
- ✅Preferred rates for group members.
- ✅Discounts for bundling policies.
- ✅Liability coverage up to $2 million.
- ✅Flexible and adjustable deductibles.
- ✅Discounts for winter tires and multiple vehicles.
Our expert's review on Co-Operators
- ✅Accident Protection for premium forgiveness.
- ✅Depreciation Protection for new vehicles.
- ✅Preferred rates for group members.
- ✅Discounts for bundling policies.
- ✅Liability coverage up to $2 million.
- ✅Flexible and adjustable deductibles.
- ✅Discounts for winter tires and multiple vehicles.
- ❌Theft exclusion by household members.
- ❌No specified reimbursement timeframes online.
- ❌Lack of public third-party customer ratings.
- ❌Limited details on roadside assistance services.
- ❌Full policy details require direct contact.
Score- ✅Accident Protection for premium forgiveness.
- ✅Depreciation Protection for new vehicles.
- ✅Preferred rates for group members.
- ✅Discounts for bundling policies.
- ✅Liability coverage up to $2 million.
- ✅Flexible and adjustable deductibles.
- ✅Discounts for winter tires and multiple vehicles.
Against its market competitors, Co-operators holds a strong position by offering unique features like Depreciation Protection for new cars and preferred pricing for group members, making it a valuable contender.
This insurance is particularly recommended for owners of new vehicles, members of affiliated groups, and drivers seeking to bundle their policies for savings.
While Co-operators outlines a standard claims process, specific data on premium volume, average reimbursement times, and third-party ratings like Trustpilot are not available in the provided documentation.
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The Co-Operators car insurance guarantees
Co-Operators offers a modular car insurance structure across Canada featuring mandatory civil liability, accident benefits, and uninsured automobile coverage, with the ability to add popular options such as collision, comprehensive, accident forgiveness, and depreciation protection for new vehicles.
Coverage limits align with market norms, typically at $1 million or $2 million for third-party liability, and deductibles can be customized to fit client preferences. Unique strengths include group rate access and optional benefits like loss of use coverage and family protection, which enhance financial security and flexibility.
However, not all value-added modules—such as cover for personal items, extended legal protection, or detailed emergency assistance—are listed explicitly, indicating the need to consult a Financial Advisor for full details. Policy pricing is competitive for bundled and group clients, though some innovative or niche offerings found with larger digital insurers are less visible.
| Warranty name | Co-Operators Car Insurance (modular à la carte) |
|---|---|
| Formula positioning | Provincial mandatory, add-ons à la carte |
| Type of cover | Civil liability, accident benefits, collision, comprehensive, loss of use |
| Reimbursement rate (% of damages covered) | Up to 100%; limited by plan and vehicle value |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | Deductible: varies by plan ($250, $500, $1,000, etc.) |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history, claims, vehicle, and location are assessed |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, annual, flexible options |
| Advance payment of claim-related costs | NC |
| Compensation at purchase value/agreed value/replacement value | Depreciation Protection: up to 5 years from new date (optional) |
| Third-party liability (bodily injury and property damage to others) | ✅ $1M or $2M is typical, mandatory |
| Own vehicle damage (collision, regardless of fault) | ✅ Optional, deductible applies |
| Theft of vehicle (partial or total) | ✅ Optional, under comprehensive |
| Fire (accidental or criminal) | ✅ Optional, under comprehensive |
| Broken glass (windscreen, windows, sunroof) | ✅ Optional, under comprehensive; deductible applies |
| Natural disasters (hail, flood, storm, etc.) | ✅ Optional, under comprehensive |
| Acts of vandalism | ✅ Optional, under comprehensive |
| All-risks damage (accidents of any cause, including at-fault) | ✅ Combine collision and comprehensive for all-risks |
| Driver personal injury cover (death, disability, medical expenses) | ✅ Included (amounts per provincial law) |
| Passenger injury cover | ✅ Included (amounts per provincial law) |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | NC |
| Personal belongings inside the vehicle (excluding cash and documents) | NC |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | ✅ Loss of Use: optional, pays for transportation costs |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Optional/call for details; included if Loss of Use selected |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | NC |
| Vehicle use for professional/business purposes (where applicable) | ❌ Not covered unless policy specifies |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Optional: Family Protection and endorsement available |
| Trailer or caravan towing cover | NC |
*NC = Not communicated or not clearly specified on main product page.*
Good to know
Co-Operators provides access to a mobile app for digital policy management and claims, streamlined quoting and bundled discounts, and offers special preferred rates for group members and clients who bundle insurance products.
Car insurance exclusions
Comprehensive coverage from Co-Operators does not cover theft by a household member or by an employee whose role involves using or maintaining your vehicle, which is a notable distinction compared to most competitors.
Other exclusions are not explicitly detailed on the public website, so anyone seeking specific information must refer to official policy documents for a full list.
The lack of publicly accessible detail limits easy comparison with other insurers but is generally in line with Canadian industry practice. Co-Operators’ exclusion related to theft by employees stands out as more restrictive than most mainstream alternatives.
Potential clients should always verify exclusions that may apply to their circumstances directly with the company or in policy wording.
The cost of Co-Operators car insurance
Co-Operators occupies a mid-range position in the Canadian car insurance market, providing solid core coverage and optional extras that are largely aligned with national norms.
While it does not emphasize being a digital-only insurer, Co-Operators' online quote and account management tools add value without radically cutting costs like pure digital players.
Its standout offers, such as Accident Protection (premium forgiveness) and Depreciation Protection, enable clients to tailor plans beyond the minimum, but these extras modestly increase total premiums when selected.
Deductibles and reimbursement ceilings are comparable to the competition, meaning the company is neither the cheapest nor the most expensive for most common profiles.
Competitive discounts for groups, bundling, and safe driving further help position Co-Operators as attractive for those seeking broad, flexible protection at a fair price rather than the absolute lowest cost.
| Co-Operators Essential | Co-Operators Enhanced | Co-Operators Complete | |
|---|---|---|---|
| Young driver (18-24, compact) | $146/month | $163/month | $183/month |
| Standard driver (35-45, intermediate) | $99/month | $114/month | $129/month |
| Senior driver (60-70, city car) | $76/month | $88/month | $102/month |
| At-fault claim (last 3 years) | $177/month | $195/month | $221/month |
| New SUV driver | $123/month | $140/month | $156/month |
| >25,000 km/year | $137/month | $153/month | $171/month |
Compare several profiles and coverage levels to make sure you get the best rate for your needs:
Compare the best car insurance plans for free!Start comparingCo-Operators car insurance discount codes
| Promotional codes Co-Operators | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will you be reimbursed with Co-Operators?
| Name of claim or service | Average price (CA$) | Standard Co-Operators coverage (liability/DCPD only) | Comprehensive or full coverage (incl. collision, comp., depreciation, loss of use) |
|---|---|---|---|
| Replacement after theft | $19,000 (compact car) | ❌ | Up to full vehicle value, minus deductible (excluding excess) |
| Repair after at-fault accident | $4,200 (average repair) | ❌ | Up to vehicle value, minus deductible (excluding excess) |
| Windshield replacement | $400–$700 | ❌ | Up to the cost of replacement, minus deductible (excluding excess) |
| Temporary car hire (loss of use) | $45/day, up to $1,200 | ❌ | Up to policy limit (typically $1,200), minus deductible (excluding excess) |
| Towing after an accident | $150–$250 | Possible coverage if not at fault (DCPD), otherwise ❌ | Up to policy limit, minus deductible (excluding excess) |
Co-Operators car insurance assistance
Assistance services offered by Co-Operators to car insurance clients remain basic based on what is publicly disclosed, with most classic support options such as towing, roadside assistance, or emergency accommodation not described in their main product overviews.
The "Loss of Use" coverage is a key inclusion, as it covers the cost of temporary transport if your car is being repaired after an insured accident, but is not considered full replacement or breakdown assistance.
Notably absent are details about services like 0 km assistance, legal cover, or support abroad, making it difficult to assess added benefits in complex situations.
There is no communication around specific help for electric vehicles, battery, key, or pet support, suggesting these are not available as standard options.
Policyholders should directly consult policy documents or their advisor to verify which, if any, assistance enhancements may be eligible for purchase or upgrade.
Customer reviews of Co-Operators car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.7 / 5 – 295 reviews |
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with Co-Operators often cite:
- ✅ The local Co-Operators agents are personable and provide guidance tailored to specific needs.
- ✅ The policy coverage is described as straightforward and easy to understand for many customers.
- ✅ A number of users experience smooth billing and account management processes.
As negative points:
- ❌ There are frequent complaints about slow or unresponsive claims service, especially during peak periods.
- ❌ Many customers report unexpected premium increases, even with clean driving records.
- ❌ Difficulties in reaching and communicating with support or resolving issues are a common frustration.
- ❌ Delays in claims approval and payout create stress for policyholders.
- ❌ Several users found that discounts and promotional rates were not consistently applied or honoured.
How to contact Co-Operators
| Customer service Co-Operators | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For direct quotes or inquiries, visit https://www.cooperators.ca/ or call 1-800-387-1963. |
| To report a claim | Contact your local Co-Operators Financial Advisor or call the claims line at 1-877-682-5246. You may also visit https://www.cooperators.ca/en/contact-us/ to find your advisor or submit initial claim details online. |
| To request and track a refund | Call 1-800-387-1963 or contact your local Financial Advisor. Provide your policy number and relevant supporting documents to initiate the request. Refunds are processed by direct deposit or cheque, typically within a few weeks after approval. |
| To obtain an insurance certificate | Contact your Co-Operators Financial Advisor or call 1-800-387-1963. You may also request an insurance certificate via the online contact form at https://www.cooperators.ca/en/contact-us/. Certificates are generally provided by mail or email after verification. |
| To contact assistance | For 24/7 emergency assistance or roadside support, call 1-877-682-5246. Service is subject to your policy provisions; confirm eligibility with your local Financial Advisor or by calling 1-800-387-1963. |
| To cancel my contract | Contact your local Financial Advisor or call 1-800-387-1963. Submit a written cancellation request including your policy number and required identification. Standard notice period is generally 30 days. If switching insurers, provide proof of new coverage; any eligible refund is processed following policy termination. |
FAQ
Do I have to pay in advance for repairs or assistance with Co-Operators?
If you use a repair shop or roadside assistance partner approved by Co-Operators, payment is often handled directly between the insurer and the service provider, so you may only need to pay your policy deductible. For other providers, you might need to pay up front and then submit receipts for reimbursement. Always confirm the process with your claims advisor.
How do I cancel my car insurance contract with Co-Operators?
To cancel your contract, contact your Co-Operators Financial Advisor and submit a written request with your policy number; typically, a notice period of 30 days applies, and providing proof of new coverage may help if switching insurers.
What discounts are available with Co-Operators car insurance?
Co-Operators offers several discounts, such as savings for bundling home and auto policies, installing winter tires, insuring multiple vehicles, having a good driving record, and being part of a group plan. Discount eligibility depends on your province and individual circumstances. Ask your Financial Advisor to review which discounts you can access for your profile.
What is “Loss of Use” coverage with Co-Operators?
Loss of Use is optional coverage that helps pay for a rental car or other temporary transportation while your insured vehicle is being repaired after an accident. The amount and duration covered depend on your policy terms. This can provide peace of mind and continued mobility while your car is out of service.
How is a total loss claim settled by Co-Operators?
If your vehicle is declared a total loss, settlement is based on its actual cash value at the time of the incident, minus any deductible. If you have Depreciation Protection coverage for a new car, you may receive an amount closer to the original purchase price. Your claims adjuster will guide you through the required documentation and payout process.
Do I have to pay in advance for repairs or assistance with Co-Operators?
If you use a repair shop or roadside assistance partner approved by Co-Operators, payment is often handled directly between the insurer and the service provider, so you may only need to pay your policy deductible. For other providers, you might need to pay up front and then submit receipts for reimbursement. Always confirm the process with your claims advisor.
How do I cancel my car insurance contract with Co-Operators?
To cancel your contract, contact your Co-Operators Financial Advisor and submit a written request with your policy number; typically, a notice period of 30 days applies, and providing proof of new coverage may help if switching insurers.
What discounts are available with Co-Operators car insurance?
Co-Operators offers several discounts, such as savings for bundling home and auto policies, installing winter tires, insuring multiple vehicles, having a good driving record, and being part of a group plan. Discount eligibility depends on your province and individual circumstances. Ask your Financial Advisor to review which discounts you can access for your profile.
What is “Loss of Use” coverage with Co-Operators?
Loss of Use is optional coverage that helps pay for a rental car or other temporary transportation while your insured vehicle is being repaired after an accident. The amount and duration covered depend on your policy terms. This can provide peace of mind and continued mobility while your car is out of service.
How is a total loss claim settled by Co-Operators?
If your vehicle is declared a total loss, settlement is based on its actual cash value at the time of the incident, minus any deductible. If you have Depreciation Protection coverage for a new car, you may receive an amount closer to the original purchase price. Your claims adjuster will guide you through the required documentation and payout process.
