The Co-operators® Group Auto & Home Insurance

Switch to Co-operators and save up to 40%* on home and auto insurance

Why choose Co-operators?

Along with savings, Co-operators offers reliable protection for all Canadians.

Home insurance

Simplified comprehensive water coverage: protects your home and belongings against sudden and accidental water damage
Claims forgiveness: your first claim has no impact on your policy or premiums
Disappearing deductible: if your deductible is $1,000 or more, it will shrink by $100 each year you stay claims-free
Claims-free rate: a reduced price when you are claims-free for five years
Identity theft protection: any expenses you incur to recover your identity are covered—with no deductible and no impact to your claims-free discount
On-demand legal assistance: 24/7 guidance from qualified Canadian lawyers on almost any legal topic

Auto insurance

Accident forgiveness: excuses your first at-fault accident to protect your driving record and keep your premium low
Claims-free rate: a reduced price when you are claims-free for three years
Additional bundling options: more savings and more coverage, including rental-vehicle liability and emergency roadside assistance, when you ensure multiple vehicles or bundle with home insurance

For more than 75 years, Canadians have trusted Co-operators to protect what matters most. Here’s what sets them apart:

The claims guarantee

Review your options before you make a claim, with no impact to your premium if you choose not to proceed. You’ll also have access to a one-of-a-kind service review panel, which ensures fair solutions to disputed claims and other complaints.

Manage your insurance with online services

Get instant online access to your home or auto insurance information any time, anywhere to make a claim, track a claim’s progress, make a payment and more. It’s convenient and secure.