Desjardins car insurance

What is Desjardins car insurance?

Desjardins is a long-standing Canadian company that offers car insurance to hundreds of thousands of Canadians each year. This insurance is designed to protect you and your vehicle in the event of an accident or collision.

There are a number of different plans you can choose from depending on what you want to insure against. You can also add extra coverage to protect against specific risks if you don’t want to pay for the whole package deal.

The price you’ll pay for Desjardins car insurance will depend on a number of factors. These can include your age, driving record, the make and model of your car, and the type of coverage or deductible you want.

What types of Desjardins car insurance are there?

You can get multiple forms of insurance with Desjardins, depending on what types of risk you want to protect against. Just keep in mind that the more coverage you have, the more you’ll have to pay for your monthly premium.

• Third-party liability

  This is the lowest form of protection and will cost you the least. It’s designed to protect other drivers in the case that they’re injured or incur damage to their vehicle as a result of a collision that’s your fault. It doesn’t cover damage to your vehicle and may provide limited coverage for injuries that you sustain in an accident.

• Collision

  This form of insurance will repair or replace your vehicle if it’s damaged in a collision. It will also cover the costs for other motorists that may be injured or sustain damage to their vehicle as a result of a collision that’s deemed to be your fault. This can be especially beneficial if your current vehicle isn’t paid off or you can’t afford the repairs out-of-pocket.

• Comprehensive

  This form of coverage will provide financial support to repair or replace your vehicle if it sustains damage that’s not related to a collision. This can include damage caused by falling objects, vandalism, fire, theft, natural disasters and civil disobedience. You’ll also be able to combine this type of insurance with your collision coverage to make sure you’re covered for every situation that could put your vehicle at risk.

• Accident benefits

  This form of coverage will provide medical, rehabilitation and funeral expenses. as well as, death and loss of income benefits.

• Direct Compensation Property Damage (DCPD)

  This mandatory insurance type covers the costs for damage to your car and its contents from an accident that is not your fault. Plus, it covers a percentage of costs if the accident is partially your fault.

• Uninsured Automobile Coverage

  This insurance covers you if you’re injured or lose your life due to an accident caused by an uninsured motorist or hit-and-run driver. Plus, get coverage for certain damage to your vehicle and its contents from an accident caused by an identified but uninsured driver.

Are there any special add-ons available?

There are a number of optional extras you can add to bolster your existing coverage with Desjardins auto insurance if you want additional protection.

• Family Protection. Covers you or your family members if you’re injured or killed in a collision caused by an under-insured motorist.
• New vehicle protection. Guarantees that no depreciation will be applied to your new vehicle in your first five years if you need to make a claim.
• Borrowed or rental vehicle coverage. Covers damage to any vehicle you’re driving that doesn’t belong to you (in Canada and the US).
• Alternate transportation. Pays for alternate transportation if your vehicle is stolen, or is being repaired or replaced due to a covered risk.
• Zero-deductible. Allows you to avoid paying a deductible if you need to make a claim.
• First claim forgiveness. Protects your good driving record after your first at-fault accident and keeps your premium low.
• Trouble-free option. This option combines 3 popular coverages: transportation replacement, liability for damage to non-owned automobiles and emergency road service.

What exclusions do I need to know about?

You should go through your Desjardins auto insurance policy to see what exclusions may apply to your insurance. These can include the following:

• Uninsured drivers. You might not be able to make a claim if an accident occurs when an uninsured driver is behind the wheel.
• Illegal activities. It will be difficult to process your claim if an accident occurs while you’re doing something illegal, like drinking and driving.
• Failure to report an accident. Your insurance may not cover you if you fail to report an accident in the timeframe specified in your policy.
• Unapproved use of your vehicle. You won’t be able to make a claim for commercial use of your vehicle unless Desjardins is notified beforehand of this use.
• Lack of routine maintenance. You might not be approved for a claim if you fail to schedule preventative maintenance on your vehicle.
• Fraudulent losses. You won’t be reimbursed for any fraudulent claims that you make and could even face legal consequences if fraud is discovered.

Can I get any discounts on my Desjardins car insurance?

Desjardins offers several ways to reduce the amount you pay for your premium each month. Talk to an agent to see what is currently offered and what you’re eligible for. For example, you may be able to save money if:

• You bundle your insurance. Save money on your premium by pairing your Desjardins auto insurance with another type of insurance from the same provider.
• You insure multiple vehicles. Get discounted rates by insuring more than one vehicle at a time.
• You’re a repeat customer. Lock in savings by insuring your vehicle with Desjardins for at least three consecutive years.
• You’re a student under the age of 25. Pay less for your car insurance if you’re still in school (or have recently graduated).
• You have a hybrid or electric vehicle. Save money (and the environment!) by insuring an eco-friendly vehicle.
• You park in a safe space. Reduce your premium by parking your car out of harm’s way in a garage or private driveway.
• You have winter tires. Save on your payments if you have winter tires for your vehicle.

What do customers say about Desjardins car insurance?

Desjardins is a reputable insurance company in Canada and is well-known for offering affordable insurance to fit every budget. That said, Desjardins’ car insurance gets low reviews on independent insurance review sites like InsurEYE and RateLab.ca.

The biggest complaint relates to the lack of timely customer service and the difficulty some customers have in getting their claims processed. However, this seems to be the trend with almost every car insurance provider on the market, so it shouldn’t deter you from requesting a quote.

How to apply for Desjardins car insurance

If you’re ready to apply for Desjardins auto insurance, you can follow a couple of steps to get started.

1. Use the online application to provide personal information like your name, email address, proof of ID and relevant documents.
2. Review and submit your application.
3. Get verified and negotiate the terms of your car insurance with Desjardins.

How to contact Desjardins

You’ll be able to contact Desjardins over the phone or via email if you have any questions about your account. You can also launch the online claims process to start a claim or sign up for access to online services if you want to manage your account online.

Compare other free car insurance quotes online

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Name	Product	Accident Forgiveness	Min. Liability Coverage	Discounts Available	Online Claims	Available Provinces
Surex Auto Insurance		Yes	$1,000,000	Up to 25%		Alberta, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon	Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor. Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.	Get a quoteMore Info Compare	loading Fetching your data...
Aviva Car Insurance		Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex. Who it might be good for: Drivers looking to customize their auto policy.	Get a quoteMore Info Compare	loading Fetching your data...
Travelers Car Insurance		Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex. Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.	Get a quoteMore Info Compare	loading Fetching your data...

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Bottom line

Desjardins offers basic and comprehensive car insurance at reasonable rates. Learn what types of coverage you can get for your vehicle with Desjardins, and apply for a quote today to find out how much you’ll have to pay to get insured.

Finder’s car insurance guide

Frequently asked questions

• How much does Desjardins car insurance cost?

  It depends on a number of factors. These can include how old your car is, how much it’s worth, what type of coverage you want and how much you’re willing to pay for your deductible. The amount you’ll pay may also be influenced by your driving record and claims history.

• Can I get a discount on my Desjardins car insurance?

  Yes! There are many ways to secure discounts on your car insurance. These may include taking advantage of loyalty and student discounts, insuring multiple vehicles, bundling your home and car insurance, parking in a safe space, investing in winter tires and driving a hybrid vehicle.

• How can I file a claim with Desjardins car insurance?

  You can file a claim with Desjardins auto insurance by calling its hotline to speak to an agent. You can also submit a claim through Desjardins’ online claim process.

• How can I make sure my claim is approved?

  You’ll have a better chance of getting your claim approved if you understand your coverage. This means avoiding activities that could void your policy and purchasing extra insurance to make sure you’re covered in every situation.