How to buy
Sold through Co-operators financial representatives; price comes from your own quote. Your premium depends on your profile, location, and coverage, so confirm current pricing with a quote.
The Co-operators describes itself as an all-Canadian financial services co-operative. Its property and casualty company, Co-operators General Insurance Company, holds an AM Best Financial Strength Rating of A (Excellent) with a stable outlook, according to the group’s investor relations page.
The Co-operators sells home, car, recreational vehicle, life and travel insurance to individuals, and business auto, business property, liability, cyber and crime coverage to businesses, along with farm insurance. Policies are sold through its own financial representatives rather than independent brokers.
If you want one representative for home, auto and life, The Co-operators is worth a quote. Because representatives sell only Co-operators products, compare at least one broker or direct quote as well. Availability and pricing vary by province.
A carrier's marketing rarely tells you what matters. Before you buy auto coverage from The Co-operators, or anyone, weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. Ask how claims are reported and handled, and check any complaint information your provincial insurance regulator publishes.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and, most importantly, the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
AM Best ratings, pricing, and product availability change over time and vary by province, so confirm the current specifics with the carrier or in a quote.
Is The Co-operators available in my province?
Carrier availability and pricing vary by province and by line of business. The fastest way to confirm whether The Co-operators writes auto insurance where you live, and at what price, is to start a quote with your postal code.
How financially strong is The Co-operators?
The Co-operators holds an AM Best Financial Strength Rating of A (Excellent). AM Best is an independent agency that grades insurers on their ability to pay claims, and we rank carriers primarily by this third-party rating. Ratings can change, so confirm the current one before buying. See our methodology for how we compare carriers.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review complaint information from your provincial insurance regulator, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.
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