Understanding fraud and identity theft

Identity theft is the illegal use of your personal information. It involves stealing the identity of another person, usually for the purpose of financial gain or other criminal purposes.

Your name, date of birth, address, credit card number, Social Insurance Number (SIN) and other personal information can be used to take over your existing bank accounts or to open new ones, as well as to apply for credit cards, redirect mail, establish cellular phone service, rent vehicles, buy merchandise, and even secure employment. Find out more about how to guard yourself against identity theft and what to do if it happens to you.

For Co-operators clients

If you are a client of ours and believe that you may have been a victim of identity theft, contact our client care centre immediately to let us know.

For insurance against identity theft, it is available with our home insurance policies across Canada except for Quebec. Ask your local agent about Identity Theft coverage.

For more information on our policies to protect your privacy, read the following:

• Privacy Brochure
• Legal Disclaimer
• Complaint escalation 

Credit score

Credit score use for homeowner's insurance has been common practice in the insurance industry since 2001. Learn how The Co-operators uses your credit score* for your insurance products. 

*The Co-operators uses credit score as a rating factor to determine home insurance premiums, except in jurisdictions where it is not permitted.