You deserve the most from your insurance
We believe in recognizing and rewarding your trust in us. That’s why we offer even more ways to save and protect your home and vehicle.
Auto insurance discounts and benefits
Welcome and renewal discounts
Are you new to Co‑operators? Get a welcome discount of up to 10% on select coverage and vehicles. After you’ve insured an eligible vehicle with us for 5 years, you can enjoy a renewal discount on select coverage, even if you replace that vehicle.1
Multi-vehicle discount
The more vehicles you insure with us, the more you’ll save. You and your family can get up to 15% off select coverage when anyone in your household insures more than one vehicle with us, even on separate policies.2
Accident Protection
With this optional coverage on your policy, your first at-fault accident won’t increase your premiums. And when you combine your auto insurance with 2 other products, like home and life insurance, you’ll enjoy this added protection for free.3
Multi-product discount
There are benefits to bundling. Add a home, business, farm or qualifying life policy and save up to 15% on select coverage for you and your household.¹ Plus, you’ll get the added convenience and peace of mind of having everything protected in one place.
Home insurance discounts and benefits
Loyalty discount
We reward your loyalty with preferred rates on your first renewal.1
Claims-free discount
You can save up to 30% on premiums when you haven’t made any claim on your home for at least 5 years. For your first-ever home insurance policy, the discount will apply from day one.1
Disappearing deductible
If you have a deductible of $1,000 or more, it will “disappear” by $100 each year you stay claims-free, all the way down to $0.
Claim Forgiveness
With this protection, your first claim won’t affect your premiums or disappearing deductible. And it’s free when you add 2 other products, like auto and life insurance.4
On-demand legal assistance
Legal help is free and convenient when you insure your property with us.
Call our Legal Assistance Helpline at 1-855-953-1431 any time you need general legal support.
It’s available from 8 a.m. to 12 a.m., and 24/7 in emergency situations.
Want to know more?
Contact us at 1-844-899-8144 to find out how you can take advantage of these awesome extras.
In Quebec, call 1-844-536-0787.
1 Discount availability, amounts, and eligibility vary by product and province, and are based on each person's insurance profile. Conditions, limitations and exclusions may apply.
2 Discount availability, amounts, and eligibility vary by vehicle type and province, and are based on each person's insurance profile. Conditions, limitations and exclusions may apply.
3 Eligibility varies by vehicle type and is based on each person's insurance profile. Conditions, limitations and exclusions may apply.
4 Claim Forgiveness available on principal residences only after 5 years of continuous insurance. Availability and eligibility vary by product and are based on each person’s insurance profile. Conditions, limitations and exclusions may apply.
Home and auto insurance is underwritten by Co-operators General Insurance Company. Refer to your policy for applicable coverage limitations and exclusions or speak to a financial representative to see if you qualify.
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