Introducing our Reduced Driving Refund

Have COVID-19 restrictions affected the amount that you drive? Are you an essential service worker still driving to your workplace? If you have a personal vehicle or a light commercial (including light farm) vehicle insured with us, it's easy to reduce your Auto insurance premium.

With our Reduced Driving Refund, eligible Auto clients* will receive a minimum 10% refund on the premium they paid from April 1 to May 31. If eligible, refunds will be applied to your policy, starting in July. Policies must be active on May 31 to qualify.

Moreover, if Auto clients continue to drive less and claims continue to decrease, an even larger refund may apply. We think it’s only fair to share the benefit of reduced claims with you.

Here’s how to get your Reduced Driving Refund:

  1. Log in to Online Services. Or create an account, if you haven’t already.
  2. Check the “Reduced Driving Refund” box and submit.
  3. You’re done! We’ll notify you by email regarding your eligibility and when to expect your refund.

Here are more ways to reduce your premium

To ease financial pressures even further, you can take advantage of flexible payment options, extended payment grace periods and more. If you’re driving less, your vehicle policy can also be reviewed – and changed, where applicable. For example, “use of vehicle” can be changed from commute to pleasure, while coverage for stored vehicles can be suspended or reduced.

Contact your Financial Advisor for assistance. Or use Online Services to make the changes at your convenience.

*Car insurance requirements in Canada depend on which province you live in and who you buy your insurance from. The Reduced Driving Refund is only available to clients who have purchased The Co-operators auto insurance product where available, which excludes British Columbia, Saskatchewan and Manitoba.

How we’re supporting our clients in these challenging times

We know Canadians have questions about how the pandemic may impact or change their insurance coverage. Here are three ways we can help.

Learn more in the full FAQ
  1. Auto premium relief

    In recognition that Canadians are using their vehicles less, we’re offering a minimum 10% refund on premiums paid from April 1 to May 31, as well as other options that help to ease financial pressures in these uncertain times. Learn More

  2. Payment relief

    We know that clients may need more time to pay their premiums due to the disruption of their daily lives during this pandemic. If clients have encountered financial difficulty, they are encouraged to call their advisor to discuss flexible options available to ease financial pressure. Learn More

  3. Solutions for businesses

    Many small and medium-sized businesses are facing financial difficulty and are looking for ways to reduce their operating expenses. At the same time, risks to businesses have changed overnight, and continue to evolve. Because each business has unique needs and challenges, we encourage our commercial clients to call us for a comprehensive risk assessment to ensure their financial security is protected in the short and long term. Learn More

Our service and claims support continues: