COSECO Insurance

• User Rating
• Rated 1.7 stars
  1.7 / 5 (9 Reviewers)
• Read reviews | Leave review

---

As a subsidiary of The Co-Operators since 1987, COSECO Insurance keeps it simple, with three types of insurance, auto, home, and travel, and offers group coverage options and various discounts.

Why COSECO Insurance Might Be For You:

• COSECO Customer Service: OneStep™ 24/7 Claims Service whenever you need it for more than just filing a claim. Help contacting emergency services, tow trucks, arranging transportation like a taxi or rental, and contacting your family is available to guarantee you access to the coverage you pay for.
• Client Volunteer Panel for Disputed Claims: In the event of a disputed claim, COSECO relies on a panel of volunteer clients to determine if your settlement needs adjustment – a one-of-its-kind service in Canadian insurance.
• A Variety of Discounts: Discounts for multi-line, multi-vehicle, new homes, student drivers, and more.

COSECO Insurance Products

COSECO Home Insurance

In addition to standard home coverage, COSECO offers convenient insurance packages as well as a variety of optional coverage for customized policies, such as:

• Identity fraud protection – A new standard for the electronic age, protect your identity and your personal information
• Move with your insurance – an automatic new policy at the same rates if you move while your policy is active
• Glass deductible buy-down – Reduce your deductible so you don’t have to pay more just to repair glass
• Multi-line – Save up to 15% on Home & Auto packages
• And more – Including additional water damage, loss of rental income, earthquake, and jewellery protection

COSECO Auto Insurance

Beyond basic auto insurance coverage, COSECO offers extra protection, such as:

• Family Protection – Additional benefits if a family member is involved in an auto accident
• Accident Forgiveness – With COSECO Accident Protector coverage, your first at-fault accident is covered without an increase in premiums
• Depreciation Waiver – If your vehicle is replaced due to an accident, protect it against loss of value so you are covered for every penny you paid for it
• Vehicle Replacement – If your car is stolen, damaged, or destroyed, COSECO provides an option to cover your costs for temporary transportation

COSECO Auto Insurance Discounts

• Multi-Vehicle – Save up to 15% when you insure multiple vehicles with COSECO
• Driver Training and Student Driver Discounts – Save 20% to 40% for new drivers and training bonuses
• Multi-line – Save up to 15% on Home & Auto packages

COSECO Travel Insurance

Available to COSECO home, auto, and group customers:

• Emergency hospital and medical coverage – Health coverage for you should you fall ill or be injured while travelling

  Multi-trip plans available – If you are a frequent traveller, choose a travel insurance plan that covers every leg of your trips and insure multiple travel itineraries at once.

• Trip Cancellation & Interruption – COSECO Travel Insurance includes coverage to refund you if your trip is cancelled or interrupted
• Baggage Insurance – Coverage to protect your luggage and other travel supplies along with your trip itself
• Flight Accident & Other Coverage – In the event of a flight accident, accidental death, or accidental dismemberment, COSECO insures your loss.

COSECO Group Insurance

COSECO offers groups insurance with special benefits, easy enrolment, and help for employers finding the right coverage for their employees, with:

• Savings on premiums for group members
• Easy, fast enrolment for new members so they can get access to coverage without problems
• No cost to businesses for setting up group insurance coverage for their employees

COSECO Insurance Reviews

Rating: 1
1 /5 stars

• Savings
  User: 0%
• Application Process
  User: 0%
• Claims Process
  User: 0%
• Rate stability
  User: 0%
• Document delivery
  User: 0%

I regret switching to Coseco

Aliya on 2020-05-01 12:06:00

I switched to Coseco for the lower rates and I regretted it as soon as I got into my first accident ever. The customer service by the adjuster was absolutely horrible. A previous review said "Their customer service stinks! They work against you not with you... I feel that Coseco and the Cooperators did not investigate properly." This basically sums up this company in a nutshell. Communication was just awful, I would barely hear from them and when I did it such rude service I felt like garbage even in the very initial phone call. With my previous insurance company when my brother had an accident each representative he spoke with gave such a great service. Wished I never switched. I would never recommend anyone to switch to this company.

---

Rating: 5
5 /5 stars

• Savings
  User: 0%
• Application Process
  User: 0%
• Claims Process
  User: 0%
• Rate stability
  User: 0%
• Document delivery
  User: 0%

Pandemic DISCOUNT.

David Shearer on 2020-04-12 20:06:55

What is the going DISCOUNT 4 stay home during this PANDEMIC. I have driven 2 times in the past 5 weeks. 38 km total distance. What is my discount?

---

Rating: 1
1 /5 stars

• Savings
  User: 0%
• Application Process
  User: 0%
• Claims Process
  User: 0%
• Rate stability
  User: 0%
• Document delivery
  User: 0%

Coseco - AVOID like Plague

syed on 2019-11-05 13:05:26

Buyer beware. Do not get trapped by this company. Worst in Canada. They jack up prices once you become their customer.

---

Rating: 2
2 /5 stars

• Savings
  User: 0%
• Application Process
  User: 0%
• Claims Process
  User: 0%
• Rate stability
  User: 0%
• Document delivery
  User: 0%

Complaint for overpaid auto premium ignored by the investigating section of the section.

William Wong on 2019-10-16 10:39:06

Was insured with the Coseco Insurance Company before I became a retiree since 2013, but was unaware of the availability of a retiree discount until this year. Asked refund of the overpaid premium but only received a refund cheque of $15.47 without any explanation or apology in which I find insulting. Raised complaint through phone conversation with customer service but complaint was not answered and request for further information was completely ignored.

---

Rating: 1
1 /5 stars

• Savings
  User: 0%
• Application Process
  User: 0%
• Claims Process
  User: 0%
• Rate stability
  User: 0%
• Document delivery
  User: 0%

DON'T GET INSURANCED BY COSECO/THE COOPERATORS

Janice White on 2019-08-29 15:05:50

I am very disappointed with Coseco and The Cooperators. I would never recommend these two insurance companies with anyone family, friends, coworkers, business professionals no one. They may be low in rates. Now I Know why! There customer service stinks! They work against you not with you. Even though I am the one suffering, paying the price for someone's stupidity I feel that Coseco and the Cooperators did not investigate properly. I am even working with the City of Ottawa Traffic Operations and we will see what that shows. But trust my word NEVER TRUST COSECO OR THE COOPERATORS as they work against you.

---

Rating: 1
1 /5 stars

• Savings
  User: 0%
• Application Process
  User: 10%
• Claims Process
  User: 10%
• Rate stability
  User: 30%
• Document delivery
  User: 50%

Worse insurance

Nicole Poitras on 2019-06-20 15:10:18

Our car was stolen its been 2 since April my car was just authorize to be fix 7 weeks later the Agent Apryl no professional at all ask 1/queation a week

---

Rating: 1.5
1.5 /5 stars

• Savings
  User: 10%
• Application Process
  User: 40%
• Claims Process
  User: 10%
• Rate stability
  User: 20%
• Document delivery
  User: 60%

No!!

Joann on 2019-03-24 14:37:17

Poor service !! Am now dealing with superintendent of insurance for Alberta to solve this problem

---

Rating: 1
1 /5 stars

• Savings
  User: 10%
• Application Process
  User: 10%
• Claims Process
  User: 10%
• Rate stability
  User: 10%
• Document delivery
  User: 70%

Bad service

Olga on 2019-02-19 12:41:47

I honestly would not recommend this company you don't speak to one person its,ALL different people giving me different answers

---

Rating: 1.5
1.5 /5 stars

• Savings
  User: 10%
• Application Process
  User: 20%
• Claims Process
  User: 10%
• Rate stability
  User: 10%
• Document delivery
  User: 100%

Ridiculous

Go Away on 2018-08-22 07:54:22

I've been ticket free for 22 years, and I run into a year of bad luck and I'm cancelled? My new prescription caused me problems, so as far as I'm concerned I'm 100% in the clear. Thanks for no loyalty

---