Auto Insurance: Protect your ride
Cover your vehicle from the unexpected with auto insurance from Duuo by Co-operators. Get a free quote now.
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Looking to save? Bundle on home and auto!
Save up to 15% on your insurance when you bundle your home and auto policies with Duuo by Co-operators*.
*Savings vary by province and by individual insurance profileand may be greater or less than the advertised rate. Advertised bundle includes a welcome discount for new customers purchasing homeowners insurance. Conditionslimitationsand exclusions apply.
Why Duuo by Co-operators?
Underwritten by Co-operatorswe offer drivers a range of unique benefits.
Terms and conditions apply.
Accident protection
If you qualifyyour premiums won’t increase if you have your first collision. Review your policy or contact our licensed reps for details.
Reliable customer support
Drivers benefit from 80+ years of insurance expertise through our dedicated customer service and quick claims resolution process.
Claims counselling
Speak to a licensed representative before claimingwith no impact to premiums if you choose not to proceed.
Coverage add-ons
Maximize your coverage with add-ons like protection for rented vehiclesdepreciation coverage for new carsand more.
Get protected in minutes
Just answer a few questions to get a quote and purchase directly online.
Which provinces can buy online?
CurrentlyDuuo by Co-operators offers online car insurance to drivers in the following Canadian provinces:
- Ontario
- New Brunswick
- Newfoundland and Labrador
- Prince Edward Island
- Nova Scotia
Car insurance varies across provinces and territories. Click here to learn how auto insurance operates in your area.
What’s covered?
While car insurance plans vary by provincethere are coverages you must have to drive a vehicle. To maximize your protectionwe also offer optional coverages you can choose from.
Mandatory coverages
Liability
If you are involved in a collision and are held legally liable for other people’s injuriesor for damage to another person’s vehicle or propertyyour insurance company will pay up to the total amount listed on your policy.
Accident Benefits
This covers medical expenses not covered by a provincial health planplus loss of income due to a collision.
In some provincesyou may be entitled to additional benefits if you are someone’s caregiver.
Uninsured Automobile
This coverage protects you and your family if you are injured or killed by a hit-and-run driver or an uninsured motorist. It also covers damage to your vehicle caused by an uninsured driver.
Available in select provinces.
Direct Compensation Property Damage
This covers the cost of loss or damage to your car in a collision for which you’re not entirely responsible.
Available in select provinces.
Top up your coverages
Collision
This covers the cost of repairs or the actual cash value of your vehicle in the event of a collision.
Subject to your deductible.
Waiver of depreciation
This coverage protects against the loss of value or depreciation of a new vehicle if your vehicle is beyond repair and must be replaced because of an accident.
This coverage is available up to the first five years of a vehicle lease or ownership.
Comprehensive
This covers losses to your vehicle other than those covered by Collision. Some examples include vandalismfalling or flying objectsand theft.*
*Comprehensive and Specified Perils do not insure your car against theft if a member of your household steals your caror if an employee whose job involves using or maintaining the car steals your vehicle.
Physical Damage Extension
This coverage combines two popular coverages: loss of use and coverage on rental vehicles.
Get in touch
Have a question about car insurance or need help with your policy? Use our chat tool to reach out to our customer support team.
Got questions? We have answers!
How do I file a claim?
If you need to file a claimplease contact one of our licensed insurance representatives who can guide you through the initial steps.
If our team is unavailable during business hoursyou can contact our national claims department 1-877-682-5246
For assistance outside of business hoursplease contact our after hours claims department. 1-877-565-2222
How do I cancel my policy?
If you need to cancel your policy after purchaseplease contact one of our licensed insurance representatives for assistance.
You can find our contact information in your online client dashboard under the ‘Contact Us’ Section.
How do I submit a complaint?
Please reach out to one of our licensed insurance representatives to discuss your concerns. We are available by phone or chat and can often resolve issues quickly,
You will find our contact details conveniently located in the “contact us” tab of your online client dashboard.
FA
What is the best way to contact a representative?
You can find our contact information in a few simple steps.
– log into your online client dashboard
– Click ‘Contact us’ – Here you will find our phone numberemail addressand a live chat option.
How do I update my personal information?
You can update certain personal information through your one loner client dashboard. ** The log in link was emailed to you when you purchased your policy.
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Once signed inclick on ‘personal information’ from the left hand menu.
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From there you can update your email addressphone numberand password.
If you need to make additional changesplease contact our team of licensed representatives.
How do I make changes to my policy?
If you are looking to make changes to your policyplease reach out to our team of representatives for assistance.
You will find our contact details conveniently located in the “contact us” tab of your online client dashboard.
How do I reset my password?
If you’ve forgotten your passwordclick the ‘forgot password’ buttonthen select ‘send me an email.’
Follow the instructions in the email to reset your password.
Please note the reset link will expire in 30 minutesso it’s best to complete the process when you have time to do so.
QHow do I access my client dashboard and find my documents?
To access your client dashboarduse the login link that was emailed to you when you purchased your policy. We recommend saving the link for future reference.
Once you are signed inclick the ‘details’ tabthen ‘Documents.’
How do I set up my online account after purchase?
After completing your policy purchase onlineyou will receive an email from us:
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Click ‘Activate your dashboard’ within 24 hours to review your policy documents and manage your coverage and services.
I missed a paymentwhat should I do?
** Please Note **
These payment details only apply if your policy number is in this format: E00********
If your policy number is this format: AF-***-**** please see Month-to-Month Tenant policy details.
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If a payment was missed for a reason other than insufficient funds – such as a lost of stolen card – we will not attempt the payment again. You will need to make the payment manually.
If the payment was missed due to non sufficient fundswe will automatically try again in seven days. No action is needed unless the second attempt also fails. If that does happendon’t worry – you’ll just need to make the manual payment.
** Please note that each time a payment is missed due to non sufficient fundsa $25 fee will be added to the following months payment.
You can make the manual payment in two ways:
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Log into your client dashboard – Click “make payment.”
2. Call one of our representativeswho can assist you over the phone. Please noteyou will need to provide the credit card details during the call.
From the dashboard click “contact us” for our phone numberemailand a live chat option.
How do I update my payment information?
After logging into your online client dashboardyou can update your payment details in a few simple steps.
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Click the billing and payments tab on the left-hand side
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Click the little pencil icon or the edit button to update your banking information.
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From here you can also change the day your payments come out each month. Please noteit can take 1-2 business days to have the information updated. If you are changing the details close to the next draw datethe new information might not apply to the upcoming payment.
Please contact our team if you have any additional questions. We are always happy to help.
I made a paymentwhy is it not showing in my online dashboard?
When you make a paymentit won’t show up in your online dashboard right away. The system updates overnightso you’ll see it there the next day.
If you happen to make an extra payment by mistakeno worries—it will automatically be applied to your next month’s bill.
Example:
Say you pay for your home or auto policy on August 1st. You set up your accountcheck your dashboardand don’t see the payment yet. Thinking it didn’t go throughyou make another one. In this caseyou’ll now have two payments applied. That just means you won’t be charged again until the third billing cycle (in this exampleOctober).
If you have any questions or need helpfeel free to reach out to our team anytime!
Auto insurance is underwritten by Co-operators General Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage detailslimitationsand exclusions.
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