Is Desjardins Car Insurance Worth It? Our 2025 Review

Desjardins
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Our expert's review on Desjardins

Last update: July 15, 2025
DesjardinsDesjardins
4.4
hellosafe-logoScore
Daniel Clarke
Daniel Clarke
Personal finance expert

Desjardins car insurance presents a solid and highly modular offer for Canadian drivers. Its structure includes mandatory Civil Liability and key optional coverages, with robust ceilings like $2 million for liability and fully adjustable deductibles. A standout feature is the Ajusto® program, which promotes prevention by offering discounts for safe driving. Compared to its main competitors, Desjardins excels as a digitally-focused insurer with strong value in its bundling options, making it particularly well-suited for young drivers, homeowners, and tech-savvy motorists.
As a key part of one of Canada's largest financial groups, Desjardins offers proven stability. While specific data on reimbursement times is not published, the insurer provides a modern and accessible 24/7 claims service through its online portal, mobile app, and dedicated phone line, ensuring support is always available.

  • Ajusto® program for usage-based discounts
  • Significant home and auto bundling discounts
  • Free Legal Assistance with bundled policies
  • Excellent new and used car replacement options
  • 24/7 claims reporting via app, online, and phone
  • Flexible deductible with a $0 option
  • Comprehensive Trouble-Free Option® package
  • Occasional claims processing delays reported
  • Policy cancellation only available by phone
  • Ajusto® program requires driving habit monitoring
  • Accident Forgiveness is an optional add-on
  • Rented vehicle coverage not standard
DesjardinsDesjardins
4.4
hellosafe-logoScore
  • Ajusto® program for usage-based discounts
  • Significant home and auto bundling discounts
  • Free Legal Assistance with bundled policies
  • Excellent new and used car replacement options
  • 24/7 claims reporting via app, online, and phone
  • Flexible deductible with a $0 option
  • Comprehensive Trouble-Free Option® package

Our expert's review on Desjardins

Last update: July 15, 2025
Daniel Clarke
Daniel Clarke
Personal finance expert
  • Ajusto® program for usage-based discounts
  • Significant home and auto bundling discounts
  • Free Legal Assistance with bundled policies
  • Excellent new and used car replacement options
  • 24/7 claims reporting via app, online, and phone
  • Flexible deductible with a $0 option
  • Comprehensive Trouble-Free Option® package
  • Occasional claims processing delays reported
  • Policy cancellation only available by phone
  • Ajusto® program requires driving habit monitoring
  • Accident Forgiveness is an optional add-on
  • Rented vehicle coverage not standard
DesjardinsDesjardins
4.4
hellosafe-logoScore
  • Ajusto® program for usage-based discounts
  • Significant home and auto bundling discounts
  • Free Legal Assistance with bundled policies
  • Excellent new and used car replacement options
  • 24/7 claims reporting via app, online, and phone
  • Flexible deductible with a $0 option
  • Comprehensive Trouble-Free Option® package
Desjardins car insurance presents a solid and highly modular offer for Canadian drivers. Its structure includes mandatory Civil Liability and key optional coverages, with robust ceilings like $2 million for liability and fully adjustable deductibles. A standout feature is the Ajusto® program, which promotes prevention by offering discounts for safe driving. Compared to its main competitors, Desjardins excels as a digitally-focused insurer with strong value in its bundling options, making it particularly well-suited for young drivers, homeowners, and tech-savvy motorists.
As a key part of one of Canada's largest financial groups, Desjardins offers proven stability. While specific data on reimbursement times is not published, the insurer provides a modern and accessible 24/7 claims service through its online portal, mobile app, and dedicated phone line, ensuring support is always available.
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The Desjardins car insurance guarantees

Desjardins provides modular car insurance in Canada with three core options: basic civil liability (mandatory), extended protection through Section B (collision/upset and perils other than collision), and all-risk coverage that combines both for total protection against collision, theft, fire, vandalism, and weather.

Liability limits start from $1 million with the option to increase, while deductibles for Section B can be personalized between $250 and $1,000; extras like 5-Year Replacement Cost and Value Plus Option address new and used vehicle value retention, respectively.

Competitive advantage comes from flexible bundle options like the Trouble-Free Option (accidental death, zero deductible for hit-and-run, and enhanced travel features), free legal assistance when bundling home and auto, and the Ajusto telematics program offering up to a 25% discount for safe driving.

Temporary replacement vehicles, extended travel costs, and accidental death benefits are included in select bundles, with additional choices for enhanced protection such as accident forgiveness and rental/borrowed vehicle coverage.

The main limitation lies in the standard exclusions (commercial use, undeclared modifications, and non-disclosure), which are consistent with Canadian market norms, and that some coverages require explicit selection or are province-dependent.

Warranty nameDesjardins Car Insurance
Formula positioningModular: liability only, extended (collision, perils), or all-risk
Type of coverCivil liability, perils (collision/other than collision), optional bundles
Reimbursement rate (% of damages covered)Up to policy limit; subject to deductible
Annual reimbursement ceiling (maximum amount reimbursed per year)NC
Policy excess (per claim and/or annually)$250–$1,000 typically; customizable per Section B
Waiting period (before certain guarantees take effect)NC
Minimum/maximum age for subscriptionNC
Prior risk assessment (medical questionnaire, telematics, driving history)Driving history and optional Ajusto telematics
Payment facilities (monthly, quarterly, annual payments)Monthly or annual payments available
Advance payment of claim-related costsNC
Compensation at purchase value/agreed value/replacement valueOptional 5-year new value or Value Plus for used cars
Third-party liability (bodily injury and property damage to others)$1 million minimum up to $2 million
Own vehicle damage (collision, regardless of fault)Optional Section B2; deductible applies
Theft of vehicle (partial or total)Optional Section B3; deductible applies
Fire (accidental or criminal)Optional Section B3; deductible applies
Broken glass (windscreen, windows, sunroof)Included if selecting perils coverage; deductible may apply
Natural disasters (hail, flood, storm, etc.)Included with perils other than collision option
Acts of vandalismIncluded with perils other than collision option
All-risks damage (accidents of any cause, including at-fault)Optional all-risk (combines Section B2 + B3)
Driver personal injury cover (death, disability, medical expenses)Bodily injury by SAAQ (Quebec) and accidental death with bundle
Passenger injury coverIncluded via SAAQ (Quebec)
Criminal defence and recourse (basic legal aid after an accident)Free legal assistance when bundled
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)Included in bundled plans; most legal areas
Vehicle accessories and modifications (including electric vehicle batteries and cables)NC
Personal belongings inside the vehicle (excluding cash and documents)NC
Child equipment (seats, pushchairs)NC
Replacement vehicle (during repairs or after total loss)Travel Costs/Bundle covers up to $3,000
Towing and roadside assistance (including out-of-charge recovery for EVs)24/7 assistance; details per policy
Use abroad (compliance with minimum local cover; optional full cover abroad)Canada/US; $0 deductible possible with endorsement
Vehicle use for professional/business purposes (where applicable)Excluded unless declared
Driving other vehicles (third-party only or comprehensive, depending on the insurer)Up to $100,000 for rental/borrowed cars with Endorsement 27
Trailer or caravan towing coverNC
Desjardins Car Insurance Coverage Details
Formula positioning
Desjardins Car Insurance
Modular: liability only, extended (collision, perils), or all-risk
Type of cover
Desjardins Car Insurance
Civil liability, perils (collision/other than collision), optional bundles
Reimbursement rate (% of damages covered)
Desjardins Car Insurance
Up to policy limit; subject to deductible
Annual reimbursement ceiling (maximum amount reimbursed per year)
Desjardins Car Insurance
NC
Policy excess (per claim and/or annually)
Desjardins Car Insurance
$250–$1,000 typically; customizable per Section B
Waiting period (before certain guarantees take effect)
Desjardins Car Insurance
NC
Minimum/maximum age for subscription
Desjardins Car Insurance
NC
Prior risk assessment (medical questionnaire, telematics, driving history)
Desjardins Car Insurance
Driving history and optional Ajusto telematics
Payment facilities (monthly, quarterly, annual payments)
Desjardins Car Insurance
Monthly or annual payments available
Advance payment of claim-related costs
Desjardins Car Insurance
NC
Compensation at purchase value/agreed value/replacement value
Desjardins Car Insurance
Optional 5-year new value or Value Plus for used cars
Third-party liability (bodily injury and property damage to others)
Desjardins Car Insurance
$1 million minimum up to $2 million
Own vehicle damage (collision, regardless of fault)
Desjardins Car Insurance
Optional Section B2; deductible applies
Theft of vehicle (partial or total)
Desjardins Car Insurance
Optional Section B3; deductible applies
Fire (accidental or criminal)
Desjardins Car Insurance
Optional Section B3; deductible applies
Broken glass (windscreen, windows, sunroof)
Desjardins Car Insurance
Included if selecting perils coverage; deductible may apply
Natural disasters (hail, flood, storm, etc.)
Desjardins Car Insurance
Included with perils other than collision option
Acts of vandalism
Desjardins Car Insurance
Included with perils other than collision option
All-risks damage (accidents of any cause, including at-fault)
Desjardins Car Insurance
Optional all-risk (combines Section B2 + B3)
Driver personal injury cover (death, disability, medical expenses)
Desjardins Car Insurance
Bodily injury by SAAQ (Quebec) and accidental death with bundle
Passenger injury cover
Desjardins Car Insurance
Included via SAAQ (Quebec)
Criminal defence and recourse (basic legal aid after an accident)
Desjardins Car Insurance
Free legal assistance when bundled
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)
Desjardins Car Insurance
Included in bundled plans; most legal areas
Vehicle accessories and modifications (including electric vehicle batteries and cables)
Desjardins Car Insurance
NC
Personal belongings inside the vehicle (excluding cash and documents)
Desjardins Car Insurance
NC
Child equipment (seats, pushchairs)
Desjardins Car Insurance
NC
Replacement vehicle (during repairs or after total loss)
Desjardins Car Insurance
Travel Costs/Bundle covers up to $3,000
Towing and roadside assistance (including out-of-charge recovery for EVs)
Desjardins Car Insurance
24/7 assistance; details per policy
Use abroad (compliance with minimum local cover; optional full cover abroad)
Desjardins Car Insurance
Canada/US; $0 deductible possible with endorsement
Vehicle use for professional/business purposes (where applicable)
Desjardins Car Insurance
Excluded unless declared
Driving other vehicles (third-party only or comprehensive, depending on the insurer)
Desjardins Car Insurance
Up to $100,000 for rental/borrowed cars with Endorsement 27
Trailer or caravan towing cover
Desjardins Car Insurance
NC
Desjardins Car Insurance Coverage Details

NC = Not communicated in public sources. Bundles and endorsements described may be province-dependent and conditional.

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Good to know

Desjardins supports online and app-based claims filing, digital policy management, and real-time driving feedback via the Ajusto telematics app, with instant quote and customer service accessible 24/7. Bundling with home insurance unlocks free legal assistance and adds a host of privileges under the Trouble-Free Option, streamlining both support and savings for policyholders.

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Car insurance exclusions

Desjardins systematically excludes claims arising from the use of the vehicle for delivery or paid transport, unless specifically stated. Damage resulting from participation in races or competitions, even unofficial ones, is not covered. Personal effects on board the vehicle are not indemnified unless an optional cover is added.

Damage caused intentionally by the insured or while driving under the influence of alcohol or drugs is also excluded. It should also be noted that mechanical breakdowns or normal wear and tear of the vehicle do not give rise to any compensation unless a specific mechanical guarantee endorsement is taken out.

ExclusionsDetails
Exclusions linked to the use of the vehicle• Use for delivery or paid transport (unless declared)
• Participation in races, speed tests, or competitions
• Undeclared vehicle modifications
• Use for commercial purposes not specifically disclosed
Exclusions linked to the driver• Driving without a valid driver’s license
• Driving under the influence of alcohol or drugs
• Intentional damage or criminal acts by the insured
Technical exclusions• Mechanical breakdown
• Normal wear and tear
• Gradual deterioration
Geographical exclusions• Damage occurring outside Canada/US for most coverages
Contractual exclusions• Fraud, misrepresentation, or non-disclosure of material changes
• Claims not compliant with contractual terms
Other notable exclusions• Damage to personal belongings in the vehicle (unless optional coverage)
• Specific restrictions apply to claims under bundled or optional modules
Summary of common insurance policy exclusions and their corresponding details.
Exclusions linked to the use of the vehicle
Details
• Use for delivery or paid transport (unless declared)
• Participation in races, speed tests, or competitions
• Undeclared vehicle modifications
• Use for commercial purposes not specifically disclosed
Exclusions linked to the driver
Details
• Driving without a valid driver’s license
• Driving under the influence of alcohol or drugs
• Intentional damage or criminal acts by the insured
Technical exclusions
Details
• Mechanical breakdown
• Normal wear and tear
• Gradual deterioration
Geographical exclusions
Details
• Damage occurring outside Canada/US for most coverages
Contractual exclusions
Details
• Fraud, misrepresentation, or non-disclosure of material changes
• Claims not compliant with contractual terms
Other notable exclusions
Details
• Damage to personal belongings in the vehicle (unless optional coverage)
• Specific restrictions apply to claims under bundled or optional modules
Summary of common insurance policy exclusions and their corresponding details.

The cost of Desjardins car insurance

Desjardins holds a mid-range to competitive position in the Canadian market, offering customizable coverage options, notable bundling discounts, and innovative telematics (Ajusto) that can reduce premiums, especially for safe drivers.

Although deductibles and reimbursement ceilings are in line with provincial trends, Desjardins stands out with value-added features such as 5-Year Replacement Cost and the Trouble-Free Option when bundling policies.

Its hybrid model—digital services plus agent support—provides flexibility, but pure digital competitors like Sonnet or Belairdirect may undercut Desjardins on price for tech-driven clients.

The scope of built-in legal assistance and zero-deductible options offers more comprehensive protection than many low-cost direct insurers but can lead to higher premiums, especially with enhanced endorsements.

Overall, Desjardins is best suited for customers seeking a robust combination of flexibility, assistance, and discounts in a feature-rich but balanced price tier.

Basic planStandard planEnhanced plan
Young driver (18-24, compact vehicle)$98/month$116/month$145/month
Standard driver (35-45, intermediate)$64/month$77/month$95/month
Senior driver (60-70, city car)$53/month$62/month$74/month
Driver with at-fault claim (3 years)$123/month$142/month$177/month
New SUV driver$82/month$96/month$118/month
Driver with more than 25,000km/year$107/month$124/month$149/month
Young driver (18-24, compact vehicle)
Basic plan
$98/month
Standard plan
$116/month
Enhanced plan
$145/month
Standard driver (35-45, intermediate)
Basic plan
$64/month
Standard plan
$77/month
Enhanced plan
$95/month
Senior driver (60-70, city car)
Basic plan
$53/month
Standard plan
$62/month
Enhanced plan
$74/month
Driver with at-fault claim (3 years)
Basic plan
$123/month
Standard plan
$142/month
Enhanced plan
$177/month
New SUV driver
Basic plan
$82/month
Standard plan
$96/month
Enhanced plan
$118/month
Driver with more than 25,000km/year
Basic plan
$107/month
Standard plan
$124/month
Enhanced plan
$149/month

Compare Desjardins with other insurers to find the best plan and premium for your personal driving profile.

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Desjardins Car Insurance Discount Codes

Promotional codes DesjardinsDetails
HelloSafe-5% on your quote
HelloSafe
Details
-5% on your quote

Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.

How much will you be reimbursed with Desjardins?

Claim or serviceAverage price (CA$)Civil Liability (mandatory)Collision/Comprehensive (optional)5-Year Replacement Cost Option*Travel Costs Option*
Replacement after vehicle theft$21,000Up to actual cash value (excluding excess)Up to full replacement value (excluding excess)Up to $3,000 for transport (excluding excess)
Repair after at-fault accident$4,500Up to actual repair cost (excluding excess)New parts at full value (excluding excess)Up to $3,000 for alternate transport (excluding excess)
Windshield replacement$500Up to $500 (excluding excess)Up to $500 (excluding excess)
Towing after breakdown$200Up to $3,000 (excluding excess)
Rental car during repairs (after claim)$900Up to $3,000 (excluding excess)
Comparison of insurance coverage options for various claims and services.
Replacement after vehicle theft
Average price (CA$)
$21,000
Civil Liability (mandatory)
Collision/Comprehensive (optional)
Up to actual cash value (excluding excess)
5-Year Replacement Cost Option*
Up to full replacement value (excluding excess)
Travel Costs Option*
Up to $3,000 for transport (excluding excess)
Repair after at-fault accident
Average price (CA$)
$4,500
Civil Liability (mandatory)
Collision/Comprehensive (optional)
Up to actual repair cost (excluding excess)
5-Year Replacement Cost Option*
New parts at full value (excluding excess)
Travel Costs Option*
Up to $3,000 for alternate transport (excluding excess)
Windshield replacement
Average price (CA$)
$500
Civil Liability (mandatory)
Collision/Comprehensive (optional)
Up to $500 (excluding excess)
5-Year Replacement Cost Option*
Up to $500 (excluding excess)
Travel Costs Option*
Towing after breakdown
Average price (CA$)
$200
Civil Liability (mandatory)
Collision/Comprehensive (optional)
5-Year Replacement Cost Option*
Travel Costs Option*
Up to $3,000 (excluding excess)
Rental car during repairs (after claim)
Average price (CA$)
$900
Civil Liability (mandatory)
Collision/Comprehensive (optional)
5-Year Replacement Cost Option*
Travel Costs Option*
Up to $3,000 (excluding excess)
Comparison of insurance coverage options for various claims and services.

*Only available if selected as add-on.

Desjardins Car Insurance Assistance

Desjardins car insurance stands out for its strong suite of integrated assistance, particularly the inclusion of 24/7 roadside help and towing whether you break down at home or on the road. The offer of travel costs and a replacement vehicle after a covered loss is a valuable benefit, especially for policyholders frequently travelling or living in rural areas.

Legal assistance is provided for free when bundling with home insurance, a rare and reassuring feature for many clients. While extensive features are present, there's no dedicated mention of support for electric vehicles or for animals on board in official CA documentation. Assistance abroad and vehicle repatriation remain limited or unspecified, which may require additional coverage for regular cross-border drivers.

Support DesjardinsAvailabilityDetails
24/7 roadside breakdown assistanceEmergency assistance available 24/7, including flat tire, battery, and immobilization cases.
Towing to repair facility / Extended towingTowing is included, even from home (0 km), as part of standard roadside assistance.
Assistance from home (0 km)Assistance provided if vehicle cannot be moved from home address.
Replacement vehicleTemporary vehicle available after covered loss if Travel Costs or Trouble-Free Option selected.
Alternative transport or accommodationCoverage available for hotel or other transport if stranded far from home, up to $1,500.
Vehicle repatriationN.C.
Assistance abroadN.C.
Assistance for electric vehiclesN.C.
Battery assistance & fuel misfuellingBattery boost included in standard roadside assistance.
Fuel misfuelling: N.C.
Legal assistance after an accidentFree legal helpline with bundled policies, covers most areas except criminal/tax.
Assistance for animals on boardN.C.
Key recovery & lock replacementUnlock service and key recovery included in roadside assistance.
Key replacement: N.C.
24/7 roadside breakdown assistance
Availability
Details
Emergency assistance available 24/7, including flat tire, battery, and immobilization cases.
Towing to repair facility / Extended towing
Availability
Details
Towing is included, even from home (0 km), as part of standard roadside assistance.
Assistance from home (0 km)
Availability
Details
Assistance provided if vehicle cannot be moved from home address.
Replacement vehicle
Availability
Details
Temporary vehicle available after covered loss if Travel Costs or Trouble-Free Option selected.
Alternative transport or accommodation
Availability
Details
Coverage available for hotel or other transport if stranded far from home, up to $1,500.
Vehicle repatriation
Availability
Details
N.C.
Assistance abroad
Availability
Details
N.C.
Assistance for electric vehicles
Availability
Details
N.C.
Battery assistance & fuel misfuelling
Availability
Details
Battery boost included in standard roadside assistance.
Fuel misfuelling: N.C.
Legal assistance after an accident
Availability
Details
Free legal helpline with bundled policies, covers most areas except criminal/tax.
Assistance for animals on board
Availability
Details
N.C.
Key recovery & lock replacement
Availability
Details
Unlock service and key recovery included in roadside assistance.
Key replacement: N.C.

Customer Feedback on Desjardins Car Insurance

  • ✅ The intuitive and practical mobile application simplifies contract management and claims reporting for many clients.
  • ✅ The Ajusto program offers real and personalized savings opportunities for careful drivers.
  • ✅ The availability and helpfulness of agents, both online and in branches, are frequently praised.
  • ✅ Bundling home and auto insurance leads to noticeable savings and added value for policyholders.
  • ✅ Reliable 24/7 roadside assistance and the "Trouble-Free Option" are appreciated by many clients, especially for travel and emergency situations.
  • ❌ Unjustified premium increases, even for clients without recent claims, are reported as a source of frustration.
  • ❌ Customer service is sometimes considered slow to respond and challenging to reach during busy periods.
  • ❌ Some clients experience delays and a lack of transparency in claims processing.
  • ❌ Communications around contract renewals or policy changes are sometimes insufficient, leading to confusion.
  • ❌ Technical glitches with the mobile app, particularly when submitting documentation, affect a minority of users.

How to Contact Desjardins

Customer service DesjardinsContact information
To obtain a quote or take out a policy onlineYou can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, visit https://www.desjardinsgeneralinsurance.com/auto-insurance or call 1-888-277-8726 to speak to a Desjardins advisor.
To report a claimFile a claim 24/7 online at https://www.desjardinsgeneralinsurance.com/claims, on the Desjardins Insurance mobile app, or call 1-888-776-8343. For written correspondence: Desjardins Insurance, 6300 Boulevard Guillaume-Couture, Lévis, QC G6V 6P9.
To request and track a refundContact the Client Relations Centre at 1-888-277-8726, Monday to Friday 8am–8pm and Saturday 8am–4pm, or email via the contact form on the official Desjardins website. Refunds are usually processed by direct deposit or cheque within 10–15 business days after the request is approved.
To obtain an insurance certificateRequest your insurance certificate by logging into your Desjardins Online Services account, contacting your local Desjardins agent, or calling 1-888-277-8726. Certificates can be sent by email, digital download, or post mail according to your preference.
To contact assistanceFor roadside assistance or emergency help, call 1-888-776-8343 (available 24/7 in Canada and the US). For general support, contact the Client Relations Centre at 1-888-277-8726 or use the online contact form at https://www.desjardinsgeneralinsurance.com/contact-us.
To cancel my contractCall 1-888-277-8726 to cancel. Provide your policy number, written notice (usually 30 days in advance), and sign the cancellation request. You may be required to provide proof of new insurance if you continue driving. Refunds for unused premiums are processed by direct deposit or cheque.
Desjardins Customer Service Contact Information
To obtain a quote or take out a policy online
Contact information
You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, visit https://www.desjardinsgeneralinsurance.com/auto-insurance or call 1-888-277-8726 to speak to a Desjardins advisor.
To report a claim
Contact information
File a claim 24/7 online at https://www.desjardinsgeneralinsurance.com/claims, on the Desjardins Insurance mobile app, or call 1-888-776-8343. For written correspondence: Desjardins Insurance, 6300 Boulevard Guillaume-Couture, Lévis, QC G6V 6P9.
To request and track a refund
Contact information
Contact the Client Relations Centre at 1-888-277-8726, Monday to Friday 8am–8pm and Saturday 8am–4pm, or email via the contact form on the official Desjardins website. Refunds are usually processed by direct deposit or cheque within 10–15 business days after the request is approved.
To obtain an insurance certificate
Contact information
Request your insurance certificate by logging into your Desjardins Online Services account, contacting your local Desjardins agent, or calling 1-888-277-8726. Certificates can be sent by email, digital download, or post mail according to your preference.
To contact assistance
Contact information
For roadside assistance or emergency help, call 1-888-776-8343 (available 24/7 in Canada and the US). For general support, contact the Client Relations Centre at 1-888-277-8726 or use the online contact form at https://www.desjardinsgeneralinsurance.com/contact-us.
To cancel my contract
Contact information
Call 1-888-277-8726 to cancel. Provide your policy number, written notice (usually 30 days in advance), and sign the cancellation request. You may be required to provide proof of new insurance if you continue driving. Refunds for unused premiums are processed by direct deposit or cheque.
Desjardins Customer Service Contact Information

FAQ

Do I have to pay in advance for repairs or assistance with Desjardins?

If you use a Desjardins-approved repair shop or towing provider, payment is made directly by Desjardins and you only pay your deductible. For other providers, you may have to pay upfront and submit receipts for reimbursement if your claim is approved.

How do I cancel my car insurance contract with Desjardins?

To cancel your contract, call Desjardins at 1-888-277-8726, usually giving at least 30 days’ notice and providing your policy number; no formal documents are needed, but confirmation may be required for refund processing.

What types of coverage does Desjardins car insurance offer?

Desjardins offers mandatory civil liability and accident benefits, with optional modules like collision, all perils, comprehensive, value plus, roadside assistance, travel costs, and legal assistance. Coverage can be fully personalized and adapted to your driving needs.

How quickly are claims processed and how do I receive reimbursement?

Most claims are processed within a few business days once all information and documents are received, especially when using Desjardins’ recommended repair network. Reimbursements are made by direct deposit or cheque, and settlement speed can vary with claim complexity.

Are there discounts or ways to lower my Desjardins car insurance premium?

You can save by bundling home and auto insurance, insuring multiple vehicles, maintaining a clean driving record, enrolling in the Ajusto program for usage-based discounts, or installing approved security features. Eligibility and discount amounts depend on your individual profile.

How do I file and track a claim with Desjardins?

You can submit and track claims 24/7 by phone at 1-888-776-8343, online through your unique account, or via the Desjardins mobile app. A dedicated claims advisor will guide you, and you’ll receive regular updates on claim status throughout the process.

Do I have to pay in advance for repairs or assistance with Desjardins?

If you use a Desjardins-approved repair shop or towing provider, payment is made directly by Desjardins and you only pay your deductible. For other providers, you may have to pay upfront and submit receipts for reimbursement if your claim is approved.

How do I cancel my car insurance contract with Desjardins?

To cancel your contract, call Desjardins at 1-888-277-8726, usually giving at least 30 days’ notice and providing your policy number; no formal documents are needed, but confirmation may be required for refund processing.

What types of coverage does Desjardins car insurance offer?

Desjardins offers mandatory civil liability and accident benefits, with optional modules like collision, all perils, comprehensive, value plus, roadside assistance, travel costs, and legal assistance. Coverage can be fully personalized and adapted to your driving needs.

How quickly are claims processed and how do I receive reimbursement?

Most claims are processed within a few business days once all information and documents are received, especially when using Desjardins’ recommended repair network. Reimbursements are made by direct deposit or cheque, and settlement speed can vary with claim complexity.

Are there discounts or ways to lower my Desjardins car insurance premium?

You can save by bundling home and auto insurance, insuring multiple vehicles, maintaining a clean driving record, enrolling in the Ajusto program for usage-based discounts, or installing approved security features. Eligibility and discount amounts depend on your individual profile.

How do I file and track a claim with Desjardins?

You can submit and track claims 24/7 by phone at 1-888-776-8343, online through your unique account, or via the Desjardins mobile app. A dedicated claims advisor will guide you, and you’ll receive regular updates on claim status throughout the process.

Daniel Clarke
Daniel Clarke
Personal finance expert
HelloSafe
Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.

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