Cumis Reviews 

Absolutely horrendous. I've never had to deal with a worse company. They increased my premium annually (when my abstract is squeaky clean alongside 20 years of driving experience), lied to me twice (never take their word over the phone - always get it in writing!), and didn't care in the slightest when I called to cancel the policy. I pride myself on being polite, but it took every ounce of strength not to lash out. I can only imagine the nightmare if this had been house insurance and not just an auto policy.

Avoid Cumis like the plague.

This company baited me into getting insurance with them, then I received a letter from them telling me they are going to abruptly and permanently stop service saying they are pulling out of my province as it's not as profitable as they would like. Selfish!

When I took out my loan, I purchased insurance for peace of mind. I believe they are now run by Cooperators Insurance now. Initially, everything seemed fine—I placed a claim and was told there would be a 30-day grace period. I received the first payment as expected, but the second payment never arrived. When I inquired, I was told that payments are always 30 days in arrears and I would need to wait an additional month. This was incredibly frustrating because I needed those funds to make my loan payment. What’s worse, they never mentioned this policy upfront, causing unnecessary stress and financial strain. Despite my concerns, they were adamant: I simply had to wait.

Things got even worse when I began my gradual return to work, which was planned over an 8-week period. Without any notice, they completely cut me off, claiming it was because I’d be working 20 hours a week. For the first 5 weeks, I worked less than 20 hours as part of my recovery plan, but they refused to acknowledge this. When I tried to discuss the issue, they wouldn’t respond, except for a single voicemail informing me that my claim had been closed.

This entire experience has been a nightmare. Loan insurance may seem like a good idea, but in reality, it’s not worth the stress and difficulty it can create. I strongly advise others to beware of these policies—they might leave you in a worse position than you started.