This Referral Program is provided to Co-operators Insurance in partnership with Cheep Insurance, a member of the Southampton Group of Companies.
member of 
Advisor Referral Program
Refer by Phone:
1- 833-212-4018
What to Refer
➔ Private Passenger risks that do not qualify for CGIC’s regular auto program
Please note:
- ✅ Must be a private passenger vehicle risk
- ❌ No commercial vehicles
- ❌ No personal vehicles used for deliveries, rideshare, or similar services
How it Works
1. Refer Lead
Transfer the lead to Cheep Insurance via phone at 1-833-212-4018. This phone number was set up for this referral program, and their team will be able to see that the lead came from Co-operators for client experience and tracking purposes.
2. Quote Provided
The Cheep Insurance team will connect with the lead to collect the info needed, then run quotes with 14+ companies, including 3 non-standard insurers. A quote & payment plan will be offered to everyone, regardless of credit / payment history.
3. Policy Setup
If the lead is interested in setting up a policy, the Cheep Insurance team will walk them through the process – it’s all done online / over the phone and is very simple! All sales will be recorded and reported back to Co-operators for tracking purposes.
Helpful Program Information
- Hours of operation for the program are M-F from 8:30am to 5pm Atlantic (7:30am to 4pm Eastern)
- Turnaround time for a callback or email quote is typically within an hour (during regular business hours), but could be up to a full business day when it is especially busy.
- An email address is required to set up a policy with Cheep Insurance.
Why Cheep Insurance?
Co-operators has partnered with Southampton Financial & Cheep Insurance to offer insurance to people who don’t meet the Co-operators’ risk appetite for 3 key reasons:
- Non-standard is their core business. Cheep Insurance created their business model specifically for non-standard insurance clients. With specialized service workflows for a variety of high-risk insurance situations, they can offer these clients service levels that meet their unique needs.
- Flexible payment plans for everyone. Cheep Insurance can offer a monthly payment plan no matter what a person’s credit or payment history looks like, and they handle all Facility monthly payment plans in-house – which means more flexibility with missed payment arrangements.
- Easier conversations for you. We know it can be difficult to tell someone you can’t help them. This lead referral program with Cheep Insurance enables you to offer people a solution if they don’t meet the Co-operators’ risk appetite – a much more pleasant conversation for both you and them!
Payment Arrangement Phone Call Sample
To illustrate the flexibility Cheep Insurance is able to offer to Facility clients when they miss a payment, they’ve transcribed a REAL phone call that took place recently between their billing department and a client who missed a payment below:
- Billing Team: Good afternoon, [name removed for privacy] speaking, how can I help you?
- Client: Hi, my name is [name removed for privacy] and I have car insurance with you guys. But, there’s a problem with my bank account. I have, um, a cleaning business on the side and the cheque has been deposited but it’s going to take more time to show up on my bank account. So my payment, it bounced last night. I’m worried that I’m gonna be cancelled but I just talked to the bank and the money will be in there tomorrow.
- Billing Team: Ok, can I have your name so I can pull up the account?
- Client: [Provides name]
- Billing Team: Alright, let me take a look! Yes it did come back NSF. No worries, it happens! We don’t worry about that.
- Client: Ok, thanks so much.
- Billing Team: So the amount owing is now [removed for privacy]. Did you say the money will be in the account tomorrow?
- Client: They said that it will be in by, um, this time tomorrow so I’m thinking that tomorrow should be fine.
- Billing Team: Well if I set it up to come out tomorrow, it will probably come out in the wee hours of the morning so why don’t I set it up to take it out the following day and that way it won’t come out of your account until the day after?
- Client: Ok, that’d be great, I really appreciate it.
- Billing Team: That way, you know, it just gives you that little cushion.
- Client: Yes, thank you.
- Billing Team: You’re welcome!
- Client: Honestly, thank you so much – not all companies are so understanding.
- Billing Team: Oh no, no. Don’t even worry about that! We understand, we’ve all been there.
- Client: [Laughs] Ok, thanks again.
- Billing Team: You’re welcome – you have a good day!
- Client: You too! Buh-bye!
- Billing Team: Buh-bye.
Most policies insured with Cheep Insurance are Agency Bill/IFS financed policies. You can determine who manages your payments by following the directions below. If you are still not sure who manages your payments, call our team as funds paid directly to the insurance company when they should go to IFS will cause large delays.