Desjardins Insurance Auto Insurance Reviews

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 you basically stealing from your customers.

They have ruined my life. Mentally and physically. I had an accident on Dec 29, 2018, still no settlement. The adjuster given to me has been the worst person I have ever dealt with in my life. She ignores my calls, ignores my voicemails, ignores my emails. I am now in contact with the CLO Complaints Liaison Officers. I was not at fault during the accident. They provided me with an offer, a ridiculous offer for my 2010 BMW. They made an odometer reading mistake - they added 50k km to my vehicles odometer and tried to pay me out based on additional 50k. They tried to scam me. Thank god I noticed that scam they tried to make towards me because if I didn’t, I would have lost a lot of money on my car!! ALWAYS CHECK YOUR DOCUMENTS BECAUSE THEY WILL TRY TO SCAM YOU IN ANY WAY THEY CAN. I am now waiting on a settlement amount based on my actual kms. Stay away from this company, stay away, save yourself the anger, the frustration and stress.

DO NOT GO with these people. Desjardins \ Certas auto insurance is bad bad bad. I swerved my truck off the road due to a very bad snow storm with extremely slippery roads and low visibility. My truck ended up being sandwiched between an ice bank and the side guardrail. My front bumper completely cracked and falling off, front grill pushed in and front tow hook bent. Left bumper completely scraped by the ice bank. When the accident occurred it was very dark out, no street lights. Therefore I could not see all the damages. When I filed my claim online that evening, I failed to report ALL the damages. I had my truck towed to a nearby garage and left it there for the night. I was also injured. Severe whiplash. I couldn't get to the garage to look at my truck until a few days later. Once I saw the actual damages to my truck, I called Desjardins to make an adjustment to my claim and damages. At 1st the adjuster seemed very helpful. But once I received the paperwork via mail, I noticed a very big mistake. The damages in my accident had been split into two separate claims thus charging me two separate 500$ deductibles. I called Desjardins / Certas back to re-explain the situation. Again, the adjuster seemed empathetic and wanting to help. She said the checks were already sent out separately but she would fix the notes to say that all the damages were subject to the same claim and that I would only be liable for one 500$ deductible. She gives me the ok to proceed with the repairs. I then take my truck to a body shop. They give me a quote that exceeded way beyond what Desjardins / Certas paid me for damages. Desjardins / Certas convinced me to send back the original checks they gave me so that they can then start the process over putting all the damages under one claim with only one 500$ deductible. I stupidly comply and send back the checks. Next thing I know, the body shop is telling me the Desjardins / Certas is refusing their appraisal and offering me even less money than before to cover the damages. Needless to say, this accident happened in January 2018, 8 MONTHS LATER, I AM STILL FIGHTING with my Desjardins / Certas to have them cover the entire damages minus the 500$ deductible. To make matters worse, during this gruelling ongoing process they have switched me over to 5 different adjusters. As I said at the top, DESJARDINS \ CERTAS AUTO INSURANCE - WORST COMPANY EVER!!!

I had a horrendous experience with a Desjardins agent on the phone, when I inquired as to why my insurance had been arbitrarily jacked up in the middle of a term. She was very controlling and rude and . It is my money that I am paying and need to know where it is going. When the time for renewal came up, I took my business elsewhere.

I had full coverage and I was hurt in a collision, they didn't give me a rental 'cause they said until the investigation is over they can't do anything. It's been 2 months and still no rental and reimbursement for my vehicle. I can't get to work and am gonna lose my house soon. My adjuster keeps making up every excuse in the book. This is what I got for getting full insurance from this company.

Everything was great until I've got in a not-at-fault accident.

They refused to pay my repair ( scratched fender + right headlight + bent hood ) and wrote-off my car.

They offered me 1/2rd of the car value, quoting a similar garbage car found around Edmonton. I'm in Toronto, .

In the previous year I've replaced $2000+ worth of car parts: tires, shock absorbers, alternator, timing belt. When I've emailed the invoiced they increased my car value by $300 or so.

Not sure how other insurance companies behave in an accident, but definitely I don't want to hear of them anymore.

My 2 cents.

Save yourself the stress and get insurance from a different provider even if it costs more money. Any company would be better than this one to deal with if you have to file a claim for a not at fault accident. My car was deemed a total loss, it took over a month and numerous un-returned phone calls and getting angry to get a settlement payment for the car. They are still flat out refusing to cover costs for physio and psych which is much needed therapy recommended by two doctors due to it being a fatal accident. I cancelled my policies with them except for tenant insurance and was told I'd have to pay $56 outstanding, today they took $303 out of my account with no authorization, not even 3 days after receiving a letter saying they are charging me $278 with no explanation as to why the amount changed or anything. As if I'm not having a difficult enough time with dealing with all the mental stress and trauma due to this accident, they are now taking money that I didn't OK for them to take. I can't say enough bad things about this company, there are too many to list, go elsewhere for insurance or pray to god you never have to file a claim for anything with them.

Worst experience ever. Do not go with Desjardins. They will leave you hanging. From my own experience. Claim is still open after 3 months. I so fed up I’m going to care of my vehicle myself and pay expenses myself. This is insurance is junk and scammers. They did not even cover the rental car on full coverage policy. I am going and my 3 friends all cancelling the policy with them!!! Adjusters are very bad to whom I contacted with. Basically, they will not pay a penny!!!! Do not take Desjardins to be your insurance please. Find something else!!!

This company has made over 5 mistakes in Billing over the course of 2 years, in which they've had to be credits my NSF fees due to their own acknowledgement of having messed up.
Speaking to a customer service representative, you have to be very specific for them to make notes about what you spoke about as they will not follow through with what they've said... It's very strange how such a big company can make so many errors. They don't listen to customers at all.
Switching companies also saved me $80/month for an 08 Land Rover driven in Toronto.
Insurers beware, there are better insurance companies out there.

Tried charging me $160 a month for storage insurance for my '88 Jaguar XJS, OUTRAGEOUS, I'm LEAVING THEM!!