Desjardins Insurance Auto Insurance Reviews

I was with State Farm for a good while and never had one problem with them, always helpful friendly people who weren't afraid to be in touch if something was amiss. Then came Desjardins... I decided to stay the course and give them a chance expecting to get similar good service and my rates stayed about the same. Yes they called and said they would like to arrange a meet and greet at their office, they were even quick to get me quotes on vehicles I was shopping around for but that's where the pleasantries ended! I've always owned cheap, used vehicles and have always insured them with liability and comprehensive ALWAYS AND ONLY. After a little chat with them recently it appears one of my vehicles for some reason has collision on it and the other is missing the comprehensive... I've never changed my policies (no reason to) and I'll admit maybe I haven't read every little word on every little piece of mail I've gotten from them but considering I brought to their attention that I wouldn't have changed my policies and some kind of error must have occurred during the changeover you would think that they would take some time to investigate the matter but no. I had an answer much too brief and quick to have been taken seriously. I shopped around and found better service at a much better price (saving $500+/year) with more flexibility and options! "We dont want to lose your business" I was told, well talk is cheap and actions speak volumes to me! Not only can they not even come close to matching another reputable company with a local office to keep my business but they won't take the time to investigate a potential internal error they may have made during the changeover, I can't say I feel as if I'm being very well taken care of. Oh, how I miss State Farm!

I've had much insurance and as I know if you have a good driving record every year your annual premium usually goes down and insurance would be cheaper except for Desjardins! Instead of awarding the good drivers they raise the cost to 60 dollars extra per month from paying 195 per month to 251 per month when it came to my renewal I've had no accidents or claims... Called another insurance and they were able to give me the coverage for 215 per month that a saving of over 500 a year... Never will I return as a customer of Desjardins. They need to learn to compete with their competitors and stop trying to take people's hard-working money... horrible just horrible rates. Anyone thinking of switching to this insurance company I advise you to try someone else!

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.

After searching for a more comprehensive insurance program that included Home & Auto at a reasonable price I cancelled my Desjardins auto insurance effective May 1, 2015.
Unfortunately, they would not give me a formula detailing a cancellation charge and then made an unauthorized withdrawal from my bank for 30% of the remaining two and a half months of my contract!
I will never recommend or shop Desjardins because of what I call a shady, and underhanded process at that company.