Cancellation Co-Operators: Easy Method

What is Co-Operators

Overview

Co-Operators (The Co-operators Group Limited and its insurance subsidiaries) is a Canadian insurance co-operative offering home, auto, travel, life and group benefits through licensed agents and brokers across Canada. Policies are underwritten by Co-Operators General Insurance Company and related entities and are subject to provincial statutory conditions and the terms of the policy contract.

Coverage, pricing and servicing are provided through local advisors, a national call centre and online services; specific cancellation and refund practices are governed by the insured contract and applicable provincial law.

How to cancel Co-Operators

• Gather your policy number, personal ID, vehicle VIN or home address, and any new insurer information (if you are replacing coverage).
• Call a licensed insurance representative at 1-800-387-1963 to request cancellation and confirm the termination date and refund calculation; ask for a written confirmation or reference number.
• If advised by your agent or for legal proof, send a signed written cancellation request by registered mail (recommended) to the company head office: Co-operators General Insurance Company, 101 Cooper Drive, Guelph, ON N1C 0A4. Keep proof of delivery.
• If you use Online Services, note that cancelling the digital account does not necessarily cancel the insurance policy - confirm with an agent or in writing that your policy has been terminated.
• Request details of the refund method (cheque, account credit, or direct deposit), timing, any minimum retained premium, and the short‑rate calculation (if applicable); follow up in writing if you do not receive confirmation.

What happens when you cancel

Coverage ends on the termination date specified in the insurer’s confirmation. Any claims arising after that date are normally not covered, though claims in progress should be disclosed and resolved according to the terms of the policy and claims process. Renewals stop for the cancelled policy; if you later obtain new coverage you will receive a separate contract and renewal schedule.

Your insurer will retain records as required by law and company policy; your Online Services account (digital portal) is separate from the insurance contract and must be cancelled or retained independently if you wish. Always keep the written cancellation acknowledgement for your records to prove the effective date of termination.

Will I get a refund?

In most cases you will receive a refund of unused premium when you cancel. Co-Operators typically calculates refunds on a short‑rate basis, which deducts a handling charge and may retain a contractual minimum premium. Refund timing is "as soon as possible" per company practice, but check the confirmation for specific timing and method. See Co-Operators’ consumer information for refund wording: Co-operators FAQ.

There are important exceptions: for travel insurance, single‑trip medical coverage can be refundable if cancelled before the policy effective date or if you return before the policy expiry; multi‑trip plans are generally not refundable after the effective date; claims usually void refund eligibility and very small refunds (e.g., under C$20) may not be issued. If a premium was overpaid due to misclassification, overpayments are typically refunded with interest as per policy terms. If the insurer terminates the policy, provincial law may require a proportionate refund instead of short‑rate - refer to provincial statutory conditions for the exact treatment.

Co-Operators plans and pricing

Note: Prices above are illustrative examples and may vary based on profile, location, driving history, and plan options.

Your consumer rights in Canada

Provincial insurance statutes and statutory conditions (for example, Ontario’s Insurance Act and associated statutory conditions) provide that an insured may terminate a contract at any time and are entitled to a refund calculated on the applicable basis stated by law and in the policy. When the insurer cancels, different rules (often proportionate basis) and notice/return requirements apply. These statutory protections limit how an insurer may calculate refunds and the obligations to include refund with a termination notice; refer to your province’s Insurance Act and the statutory conditions that apply to your contract. For Ontario see: Insurance Act (Ontario).

Customer experiences

Customer feedback is mixed. Positive reports commonly praise local Co-operators agents for being personable, helpful and able to explain policy details clearly, and some customers find billing and account management straightforward. See a representative positive review summary: HelloSafe: Co-operators.

Negative feedback focuses on long hold times and difficulty reaching customer service (some reports of multi‑hour waits), unexpected premium increases without clear explanation, isolated reports of cancellations without adequate notice, and complaints about claims handling (delays or denials). For broader consumer comments see: Trustpilot reviews.

Documentation checklist

• Policy number and policyholder full name
• Vehicle VIN(s) or home address and property details where applicable
• Driver’s licence or other personal identification
• Desired cancellation effective date and reason (e.g., sold vehicle, new insurer)
• Proof of new insurance (if required to avoid lapse) or transfer documents
• Banking details or mailing address for refund, and contact phone/email
• Copies of recent invoices, payment receipts, and any claim reference numbers
• A signed written cancellation request (for mailed submissions) and proof of delivery

Common mistakes

Common errors include relying on an Online Services logout or portal action to cancel the actual insurance policy (the portal may only control your digital account), failing to obtain written confirmation of the termination date, and not checking whether the refund will be calculated on a short‑rate basis or whether a minimum premium will be retained. Other frequent mistakes are sending cancellation to the wrong address, not keeping proof of delivery, and not arranging replacement coverage promptly (creating an unintended lapse in protection).

Comparative recap

After cancelling

Keep the cancellation confirmation and any refund statement; verify your financial account or mailing address for receipt of funds. If you replaced coverage, confirm the new insurer’s effective date to avoid gaps. If you have an active or potential claim that spans the cancellation date, advise the adjuster and keep records; unresolved claims may affect refunds or coverage obligations. For further information and to access company resources, visit Co‑operators’ website or consumer pages: Co-operators legal and Online Services, and consult provincial resources such as the Ontario regulatory pages: Ontario statutory conditions (examples).

Address

Co-operators General Insurance Company
101 Cooper Drive
Guelph, ON N1C 0A4
Canada