My Daughter and her husband have been clients of Co-operators Insurance for over 10 years and they recommended we give them a try again. We had been clients with Co-op many years ago with an agent but something happened to the agency and we ended up moving to a broker. Our broker has been very good to us but our Daughter thought we should shop around last fall so we called a Co-operators agent close to our home.
The agent was not in but we talked to his secretary and she asked quite a few questions. One of the questions was whether we would consent to having our credit checked? We said no and she told us our quote might be higher as a result but we took our chances and she called us back the following day with a quote. The quote was almost twice what we pay now through our broker? It concerned us that they asked about our credit and we did not understand why?
When our Daughter asked us if we had become Co-op customers again, we told her the story and she was unaware that they used credit to set premiums. She said they were going to shop for insurance elsewhere later this year to see if they could get better rates with a broker. Since then, they have now had a claim.
My Daughter and her husband had property that was damaged in a recent storm in the area and the claim is being partly denied. They were told that certain things are not covered if they have not been maintained?
Our family does not understand this company and the way they serve customers?