Desjardins Insurance

Desjardins General Insurance

Desjardins General Insurance Group Inc. (DGIG) is a subsidiary of the Desjardins Group, the largest financial cooperation in Canada, and provides personal coverage for Ontario, Alberta, and Quebec.

Desjardins General Insurance Group Inc.
Founded 1944
Headquarters Lévis, Québec
Employees 6,000+ (2017)
Canadian Mkt. Share 9.15% (2019)
Insurance Products Auto, RV, Motorcycle, Homeowners, Tenant, Condo, Travel, Life, Health, Loan & credit, Group, and Pet Insurance
* Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

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Company Overview

Specializing in Home and Auto coverage with an emphasis on auto insurance products, Desjardins Insurance offers various discounts for low-risk drivers in Ontario and Alberta.

Desjardins coverage is good fit for customers that don’t need any commercial insurance with their personal insurance, as the company focuses primarily on personal coverage such as home and auto products.

Desjardins Insurance offers a full range of personal (non-commercial) insurance products, including home, auto, and tenant insurance, as well as specialized coverage for recreational vehicles and pets. Desjardins has maintained its good standing, both with the community it has served for over 40 years, and the insurance brokers that facilitate the transactions between the company and its loyal clients.

Customers trust Desjardins Insurance for:

  • Access to multi-line discounts to give clients comprehensive coverage at a friendly price
  • Home and auto insurance that provides coverage of a diverse range of different risks
  • Rewards for participation in home and auto savings programs

Desjardins Insurance Advantages

The 3rd-largest insurance agency in Canada, Desjardins covers over 2 million customers in Alberta and Ontario and has become a trusted option in Ontario for home, auto and tenant insurance, as well as specialty vehicle and pet coverage. The company offers peace of mind through its reputation and involvement with the Desjardins Group and the fact that as one of Canada’s largest insurers, it has the financial resources to provide comprehensive coverage to policy owners. Some of the advantages of using Desjardins insurance for your personal insurance include:

  • Intuitive Discounts – Many insurance companies offer discounts to their customers, but Desjardins is a company that provides a particularly impressive range of discount options to clients. Ranging from standard multi-line discounts to discounts for risk-averse driving as measured by an innovative telematics program, Desjardins offers customers savings around every corner.
  • Diverse, Specialized Coverage Options – Desjardins makes it easy for customers to acquire coverage for their unique home and auto needs. They allow customers to include vehicles like ATVs and recreational motor homes under their automobile policy with ease, and cover boats and personal watercraft under home policies, meaning that diverse sets of circumstances can all be covered under the same umbrella.
  • Innovative, Customer-First Coverage – From Desjardins auto-adjacent product Ajusto, a telematics technology that tracks a user’s driving habits and offers instant discounts through the company’s app, to a multi-tiered, extensive range of pet insurance products, Desjardins ensures that their products are extremely customer-friendly. This is even evidenced by an extremely well-organized website, which directs current clients and prospective new ones to almost any information they need to find.

Desjardins Insurance Products

Desjardins Insurance offers a variety of standard home, rental, and auto products, as well as coverage in non-standard areas such as watercraft and specialty vehicles, and pets. Home, Auto, and Tenant insurance coverage with Desjardins can usually be bundled for multi-line discounts.

Auto Insurance

Desjardins is known for covering a wide range of vehicles:

  • Cars
  • Trucks
  • Vans
  • Motorcyles
  • Off-road Vehicles
  • Motor Homes and RVs
  • Snowmobiles

As Desjardins specializes in auto coverage, this is the area where it offers the most impressive list of discounts, including:

  • Discounts for using winter tires during inclement weather
  • Multi-vehicle discounts
  • The use of the Ajusto progam through the company’s official mobile app provides a snapshot of a user’s driving habits after a sufficient amount of time and offers immediate and responsive discounts to reward risk-averse driving.

Home and Tenant Insurance

With very few exceptions, Desjardins Insurance covers your permanent, seasonal or rental residences with a variety of coverage options.

  • Home (House, Condo, Apartment)
  • Seasonal Property
  • Rental Property

The company also offers several major property coverage discounts, including:

  • A major discount if sufficient time is passed with a property claim
  • Discounts for verified use of alarms
  • Multi-line discounts for bundling home and auto products

Pet Insurance

One area where Desjardins Insurance is truly unique is in their coverage of personal pets. The company offers coverage plans for pets with favourable deductibles and multiple levels of coverage for accidents, medical care and other animal health and wellness needs, so that pet owners can choose the one that fits them and their pet.

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Desjardins General Insurance
Customer Relations Centre:
, P.O. Box 7065, Station A, Mississauga, ON L5A 4K7, Canada
24/7 Claims: 1-888-785-5502

Desjardins Insurance Reviews

Rated 1.5 stars
1.5 / 5 (18)


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  • Application Process
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  • Claims Process
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Rating: 1
1 /5 stars

rates will go up and up

on 2021-02-23 15:57:29

Switching from state farm to this company has been a hassle. Oh Desjardins doesn't insure that way....your rates were too low with state farm ...etc. we now have less coverage for more money. Can't wait til the term expires. we will be switching to a new home insurance company

Brian P.
Rating: 1
1 /5 stars

Refused to tell me how much penalty to cancel

on 2021-01-06 00:40:37

Desjardins was charging me almost twice as much as my other quotes, and this was after being a loyal customer for many years, so I decided to change insurance companies. This is when they charged me almost $500.00 for a final payment, and refused to tell me how much of this was the penalty!

Ailyn Londres
Rating: 1
1 /5 stars

Misleading Insurance

on 2020-12-30 18:22:18

Terrible and hidden increase. In renewing and in cancelling they make you chase them around. Horrible!!! And agents are extremely rude. Not recommended. Never let you know at all they raise your rate. Would definitely share my experience with this company. Very awful

Holly Reid
Rating: 1
1 /5 stars

BEWARE - they only want your money , not there to help when you need it

on 2020-12-14 23:47:52

Do not purchase insurance with this company! I’m only with them because my group insurance plan from my employer switched to them from Sunlife to save money I’m assuming. Sunlife was amazing . My dr put me off work early due to symptoms from my current pregnancy and they denied my claim because he filled out 2 forms differently (he filled one out in front of me in a matter of min). They requested more information from his office several times which he responded quickly confirming my symptoms and they took 2.5 months to deny my claim and appeal . They said my symptoms were due to being a stressed mother working from home with young kids during the pandemic when I’ve never had these issues before this pregnancy or been on disability before in my life . I felt discriminated against and hurt by those comments . They also said I can work under my current conditions . Who are they to say that , have you spent a day in my shoes and watched what I go though. It’s a sad example of a hard working honest person who for once in her life actually needed help, they gladly took my money and then won’t pay out in time of need. My dr said he sees this a lot unfortunately. Do yourself a favour and do not give a cent to this terrible company out to only make money .

Jessica Rodgers
Rating: 5
5 /5 stars

Desjardins pet insurance

on 2020-12-03 14:14:43

I'm an obsessive researcher and wasn't convinced that pet insurance was something even worth paying for. After a few weeks of comparing plans I went with Desjardins because they actually are the best value for the money. They offer way more coverage at every level than their competitors including dental and preventive plans that put places like trupanion to shame, are about half the cost, and also have a lower deductible - which is good when you're unemployed like I am. While my policy was still coming into effect my puppy had 2 non related accidents, both requiring emergency vet care and one hospitalization. The bills were steep and I was worried I would not be able to claim but Desjardins simply deferred my claims, processing and approving both within a day or so of my policy activating. The form is so simple and doesn't require any special knowledge to fill out. Staff are actually friendly and laid back, and company policy seems more in line with approving claims. It's the only time I haven't felt scammed by an insurance company!

Rating: 1
1 /5 stars

Worst of the worst

on 2020-11-12 10:16:27

They deducted money from my account without my permission.
1. While I was join with them they are saying after 3 months based on your performance we are giving discounts. But they didn't and I spoke with their manager and then they realized their mistake

2. I called them to cancel my insurance in advance because after finishing my 1 year I am going with other insurance company. And they didn't terminate and auto renew my insurance without my permission and deduct money from my account. Now days I am calling them to refund my deduction they are saying-"Sorry this is our fault, we will refund your money." But they are only saying not refuding it, every time they are giving me new date to refund my fund in my account.

James Reinhart
Rating: 2
2 /5 stars

Desjardins insurance treats customers poorly

on 2020-10-15 20:12:55

I had been a customer of State Farm for over 30 years. Ever since Desjardins bought them out, they have done nothing but increase my premiums steadily. I recently cancelled my policy because I found a much more affordable company. They charged me a one month penalty, and had the nerve to send me a letter stating "we hope to have the opportunity to serve you again in the future".. Yes, when pigs fly.

Andrew Kendama
Rating: 1
1 /5 stars

worst of the worst

on 2020-09-16 21:25:25

I have 2 cars and 2 houses under their insurance, took a financing card from BEST BUY under DESJARDINS, just before the pandemic get a TV finance for 3yrs, my understanding from the store was that I was to make my payments any way I can as long all payments are in before the 3 yrs come to an end, which i have been doing, sometime I did pay more, doing the heat of the pandemic according to DESJARDINS I miss 2 payment and now my credit record is on the down full, I when and pay more than I due but for the pass 2 months after my payment was make they are still going after my credit score and record, for less than $250 my credit score i build is now being damage
Can wait to pay their balance and cancel everything of mine from DESJARDINS, they have bad customer service and no one should sign up with DESJARDINS, they will try all they can to damage you even at a time like this. DESJARDINS things for damaging my credit score in 2 months, something i have work hard keeping it up for the pass 10yrs. If I have to pay hard to more respectful insurance group I will but not to DESJARDINS that is doing all they can't to damage me.

Rating: 1
1 /5 stars

No good prices

on 2020-08-01 00:15:53

Thieves robs you..

Rating: 1
1 /5 stars

Worst experience

on 2020-08-01 00:14:32

I have asked and provided all necessary proof of residential address changes. But the company is charging lot more money every month. This is the worst customer service I have ever seen . Very unprofessional as well.

David Grice
Rating: 1
1 /5 stars

Certas Sucks

on 2020-05-11 21:28:20

Not pleased. Have been a State Farm customer for over 40 years and always get great service from my agent. When Certas took over my first renewal informed me that unless I consented to Certas sharing my information with all companies owned by Desjardins my policy would be cancelled. Last week bought new landscape trailer and Certas software would not allow policy unless I provided information about my employment prior to retiring and level of education; and had to provide my spouses info also. On top of this my credit card got hacked 4 times and when I switched to direct withdrawal no more hacked credit card. The local office is great but Certas and their data mining suck.

Rating: 1
1 /5 stars

on 2020-03-23 18:00:44

I have forgot one insurance payment and they throwed me under the bus with Non payment status. Not given any notifications through email or phone and am nothing owing to this guys but they put me in deep trouble. I get treated like enemy not as customer. Not recommended to anyone they put it on my record and still not taking it off

Rating: 1
1 /5 stars

Horrible company, literally criminals

on 2020-02-21 14:30:36

Horrible company that just takes advantage. I’m 22 have a perfect driving record and because of a misunderstanding that happened while I was in college years ago I was quoted at 4800 dollars a year! why? Because I stopped driving my car and was a stupid kid and let my insurance policy cancel on me for non payment when I was stressing over school. I owed 80 dollars and paid it off the next month so the company that I was with (BELAIR DIRECT) lost no money whatsoever. After explaining this situation to the lady on the phone she quoted me at 4800 dollars because she thought it would be hard for me to get insurance anywhwere else. I call that sleezy and taking advantage. Anyone reading this AVOID desjardan I was just quoted by belair THE COMPANY THAT CANCELLED ME IN THE FIRST PLACE AT 280 A MONTH! Roughly 3300 a year! OVER 1000 DOLLAR DIFFERENCE!!!! STATE FARM/DESJARDAN YOU GUYS ARE CRIMINALS!!!

Rating: 1
1 /5 stars

Worst Insurance Desjardins

on 2020-01-12 16:41:56

I have forgot one insurance payment and they throwed me under the bus with Non payment status. Not given any notifications through email or phone and am nothing owing to this guys but they put me in deep trouble. I get treated like enemy not as customer. Not recommended to anyone

Lindsey Graham
Rating: 1
1 /5 stars

Appalled by the horrible customer service

on 2019-11-20 07:27:32

Please do not choose this company. They make it their business to deny your claim.

I was first contacted by an adjuster named Karinn Aprile. She came across as inexperienced and extremely judgemental. Firstly, she did not introduce herself or her job properly so I was confused around how much information I needed to disclose. Throughout our conversation she cut me off, drew inferences that did not make sense and she was judgemental. She also kept speaking with this horrible rising intonation where everything sounded like a question.

Karinn did not even call me to tell me about the outcome and instead she sent me an email.

Obviously distraught, I spoke with her supervisor Georgina. As I was crying, she treated me like I had mental health issues and I was incapable of holding a conversation. I told her that I would cry regardless of when I had the conversation. When I thought to say something, she raised her voice at me and told me to let her finish speaking. It was the first time I did that and I was really distraught, which would be understandable! Her method of management is to have control over any conversation and she goes from 0-100 real quick.

Desjardins was the most horrible experience I’ve had with an insurance company, the only saving grace is the customer service I received from the employee after speaking to Karinn and before speaking to Giorgina.

I’m not upset about my claim being denied as much as I’m upset by the way I was addressed by these two ladies. You can still do a cut throat job, while conveying some compassion and humanity.

These two women exemplify lacking empathy. The only solace I take is when you make a career out of denying people and hurting others, there is a form of justice. The would is not about just money. One can have material wealth but be devoid of any character, morality and spirtual wealth.

Rating: 1
1 /5 stars

Deceitful Company.

on 2019-10-18 18:38:52

I’ve been with Desjardins auto insurance for almost 7 years now. In my experience they’re quick to charge interest fees when your late on a payment which is obviously no fault of their own and totally okay. What isn’t okay is the fact that some months they decide to take your payment out 3 days early without telling you. When that happens you the customer has to contact them fight for your NSF fees back (if you have) wait for a cheque in the mail and of course remind them not to charge you interest on a payment they took out too early. This has happened to me too many times now. If payments are coming out three days early without notice your basically stealing from your customers.
It’s so wrong to do to your customers, and the worst part is you don’t call to tell us oh hey we made a mistake! Deceitful!!!

Rating: 5
5 /5 stars

Great Insurance Company

on 2019-10-08 14:38:42

I wanted to leave a review with this company, Because I am very pleased with the customer service

Dan Lirette
Rating: 1
1 /5 stars

Beware of David Hills Insurance in Moncton!

on 2019-09-05 13:21:43

First, this note deals with Mrs. Ashley Cochran of Hills Insurance Agency, Inc. in Moncton, New Brunswick. She's the office manager. With that ...

On July 22nd, an individual brought his hard drive in for repair. I own DanTek Solutions in Moncton, New Brunswick. I estimated a short period of time on the drive but was later told it would take a donor drive so I handed that drive over to a hardware technician. The time frame was much longer than I anticipated, unfortunately.

This past Tuesday (September 3rd) I was contacted by the customer’s wife, Ashley Cochran, an employee of Dejardins Insurance. She wrote:

“Hi Dan, this is Ashley Cochran. I apologize but we will have to pick up the hard drive tomorrow. We know you may have replaced a part on it and we will pay you for your service but we need the drive back right away. I appreciate your time. What would be the best time to pick it up?”

My response was: “No problem at all; I will have it tomorrow for you. Just spoke with Luke 🙂”

Her next reply: “Thank you very much. Again, I apologize. I appreciate it very much.”

Drive was given back “exactly” as it was received so as not to cause any financial loss to customer. Customer did, afterall, request drive back … finished or not, as indicated in her texts twice. Unfortunately, the time frame of just over a month was frustrating her and rightly so. Thus, I had drive returned to her immediately, unfinished as she had requested (see above).

On Wednesday evening (September 4th), Ashley Cochran left a 1 star review for service she asked to be canceled. She then went on a rant, stating our company posted fake reviews and demanded an answer. As there are three individuals who manage the account, it would take time to (1) see if her claims were accurate and (2) respond once an internal review was completed.

In a show of good faith, I offered to pay for any recovery fees she would incur elsewhere. She accepted but THEN went on another rant this morning (September 5th) at which point I consulted with the RCMP and was advised to ask her not to communicate with us again and to record each time she did for future possible legal intervention due to harassment. On September 5th I sent an email asking her to stop communicating immediately as I was advised to do.

Ashley Cochran would remove review for approximately $1000.00 as stated in our text correspondence. This is part of the communication:

Me: “Well, as this went south quite quickly on both ends, I’d prefer to draw up a contract which would benefit both you and I. Is that acceptable?”

Ashley: “I will agree to that. You draw it up, I will review it to determine if I feel it's acceptable and if anything should be adjusted.”

Me: “Ok will do. In the meantime, will you remove review? And when will you be receiving drive back so I have an idea?”

Ashley: “I will remove when we come to an agreement.”

Granted, I did offer as I felt I had no other recourse as her libelous review financially harmed my business. I received counsel on the texts and was told to immediately stop communicating; that this was unethical and I obliged in asking her to stop communicating with me.

Why am I posting this? I am outraged that you work with such individuals. While we all have our own version of events, it’s beyond reprehensible that a so-called “professional” would engage in malicious libel and what appears to have gone into the area of extortion. Perhaps not … perhaps so. One thing “is” certain: receiving $1000.00 to remove a negative review is certainly unethical.

Mrs. Cochran and I became heated in our exchanges. She continued to blame my company for not retrieving her data that she brought in “because” of a hard drive failure. We simply couldn’t get it back; plain and simple. She became so infuriated that she then began to engage in libel and defamatory statements, without merit. Her opinion isn’t valid; evidence backed by solid data is valid. Claims are one thing; showing evidence is quite another. She made the ridiculous claim that we had false positive reviews. If this is correct, Mrs. Cochran posted these “false reviews” and libeled my company. I have yet to have seen a single review that was false. Her claim is nonsense but has also harmed our business financially.

At the end of the day, we did nothing to her drive, either positive OR negative. We simply couldn’t extract the data … and she wasn’t charged a cent. We reversed our work once she requested drive back and returned it exactly as it was provided to us.

Your firm represents professionalism. If Mrs. Cochran has engaged in this conduct with me… is this her conduct in the office where she represents Desjardins? Have others been taken advantage of unknowingly? I would encourage you to investigate Ashley Cochran’s interactions with anyone she’s dealt with financially.

I refuse to pay for a negative review to be removed; especially a review based on libel and unsubstantiated claims of false reviews, unprofessionalism, etc. I was fearful and felt backed into a corner but after receiving counsel, I no longer feel this way. Her maliciousness has been relentless and I am asking you to ensure that such behavior does not occur with those who trust you with their insurance needs, etc. I will be following up with you in the coming weeks as well as writing to head office as while you may feel this is a “personal” matter, I believe it’s a matter directly related to her character and to her dealing with customers. I would hate to learn in the future that others were approached in the same manner that we were. If these are the types of individuals who represent your company… people need to know and be aware!

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