The Co-operators® Group Auto & Home Insurance

The Co-operators® Group Auto & Home Insurance

Through our partnership with the Cooperators, members have access to The Cooperators Group Auto* and Home insurance program. Experience personalized coverage, service, and advice to meet your personal auto and home insurance needs.

The Co-operators Group Auto* and Home Insurance Program has been protecting Canadians just like you for over 40 years. With over 900 Group plans, our members experience personalized coverage, service, and advice to meet their auto and home needs.

Let us help you find the right insurance coverage for your needs.

You will enjoy:

  • Exceptional coverage and service
  • Competitive, affordable rates
  • Personal coverage for your unique needs
  • Exclusive member discounts
  • 24/7 claims and emergency services

Additional protection and benefits:

  • Comprehensive Water: Our coverage offers everything you need to protect your home and belongings against the many potential causes of water damage and flooding.**
  • Online Services: Manage your active policies and billing documents from anywhere and at any time. Our mobile app also allows you to make updates and more.
  • Our claims advantage: A one-of-a-kind no-obligation, consequence-free Claims Guarantee.*** With 24/7 claims service, we’re here to answer questions and provide relevant information to help clients decide whether or not to make a claim.
  • Service Review Panel: If a claim isn’t resolved to a member’s satisfaction, the claim can be submitted to our Service Review Panel, made up of client volunteers. If they recommend a change, we make it.

Even more perks, at no additional cost!

CustomerPerks® is a program administered by Venngo, Canada’s leading provider of group discount programs. Group members with a property policy can take advantage of:

  • Exclusive access to more than 3,000 discounts from popular brand names and trusted local stores. From laptops to outdoor living entertainment to prepared meal delivery, there’s something for everyone!
  • Online, app and in-store access to perks at more than 12,000 locations.

It’s quick and easy to get started today!
To learn more or get an online quote

Call 1-800-387-1963

This group insurance program is only available through our Contact Centre and website.

The Co-operators® used under license from The Co-operators Group Limited. COSECO Insurance Company is in the process of transitioning its clients to Co-operators General Insurance Company. Existing insurance policies are underwritten by COSECO Insurance Company and administered by HB Group Insurance Management Ltd, member companies of The Co-operators Group Limited. New and renewal insurance policies are underwritten by Co-operators General Insurance Company. *Not all products are available in all provinces. Total available discounts, insurance coverage, products and eligibility may vary by province. Individual circumstances may vary. You may wish to contact the licensed insurer’s representative or a licensed insurance agent if you need advice about your insurance needs. **Some conditions may apply. ***Some claims situations may need to be reported and investigated. Claims Guarantee may not apply for claims involving potential injury, environmental losses, water damage, legal involvement or where terms of the policy have not been met. Depending on fault, your rates may be impacted. Please speak to a Co-operators Licensed Insurance Representative. HB Group Insurance Management Ltd, COSECO Insurance Company and Co-operators General Insurance Company are committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting business. For more information on privacy policies, please visit for HB Group Insurance Management Ltd., for COSECO Insurance Company and for Co-operators General Insurance Company. Not available in Manitoba. CustomerPerks® is a registered trademark of Venngo Inc. Venngo is not owned or controlled by The Co-operators Group Limited or any of its affiliates.


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10 tips for Safe Winter Driving

If you’ve driven in even one Canadian winter, you know that it takes patience, practice and mindfulness to stay safe on slick roads. Your safety is important to us. Keep these safe winter driving techniques top of mind – and share them with your family and friends.

  1. Invest in winter tires.

    Winter tires are worth the investment. Put them on before it snows, and before the temperature drops below 7°C. Also, ensure tires are inflated properly; cold weather can decrease tire pressure.
  2. Plan ahead.

    Plan for five extra minutes pre-trip to check road conditions and remove all snow and ice from your vehicle.
  3. Slow down.

    It’s common sense that’s often overlooked: adjust your speed according to road conditions.
  4. Stock up on windshield washer fluid.

    When you need it most – 50 km from home in a white-out blizzard – you'll be glad to have an extra jug.
  5. Leave the lights on.

    To increase visibility, keep your headlights on, even during the day. Not sure if you need them? Err on the side of caution.
  6. Step lightly.

    Maintain steady pressure on the gas pedal and brake gently to avoid slipping and sliding.
  7. Exercise patience.

    When you're running 10 minutes late and find yourself stuck behind a snowplow or salt truck, take a deep breath and do not pass.
  8. Look twice before reversing.

    Be aware of snow banks when backing up; not only could you hit one, but they make it hard to see oncoming traffic or pedestrians.
  9. Avoid using cruise control.

    Cruise control in wet, icy or snowy conditions isn't worth the risk.
  10. Pack an emergency kit.

    • a bag of salt or non-clumping cat litter (for digging out)
    • a blanket
    • a flashlight
    • a shovel
    • an ice scraper/snow brush
    • jumper cables
    • matches
    • non-perishable food<
  11. Don’t forget to always drive distraction-free, especially during the winter.

(PDF) Version of these tips