Desjardins Insurance Auto Insurance Reviews

They unbelievably contacted me to justify their increases. Below are their communications and my response: The statistics tell the story. There are several factors that impact the premiums Canadian drivers pay today. Here are some facts and stats to help you better understand: Distracted driving has become a widespread problem across Canada; there’s more distraction on the roads than ever. Distracted driving is one of the leading causes of fatal collisions Canada-wide and is responsible for a greater percentage of road fatalities than impaired driving. Drivers who text while driving are 23 times more likely to be involved in a car accident or near-crash situation. While vehicles are technologically more advanced and do a great job of keeping Canadians safe, their high tech components are also more expensive to repair, which contributes to increased claims costs. A simple fender bender now costs thousands of dollars to fix, which was not the case before. 4 tips to help keep your premium down. Even if you have little control over the stats and facts stated above, there are ways to be proactive! Take a look at the tips below to help lower your auto insurance premium. Stay claims and conviction-free. To this day, being a careful and focused driver remains the best way to avoid an accident. Not only can distracted driving compromise your safety and other people’s, but you could also end up getting a ticket or getting into an accident, which both impact auto insurance premiums. Insure all your vehicles with us. The math is simple: the more vehicles you insure with your insurer, the more you save. Reduce coverage on older vehicles. If you own an older car that’s not worth repairing, consider removing the Collision and Comprehensive coverages. Consider a usage-based driving program. Sign up for a usage-based driving program. You could receive an additional discount on your premium for having good driving habits. Get informed! ------------------------------------------------------------------------------------------------------------------------------------ This email is insulting. I don’t have time to rant on about the Ontario insurance industry, which is known for collusion and corruption, but here are some key points to consider before sending messages like this to your clients. 1) Neither my wife nor I are distracted drivers, so why are our premiums increasing for a second consecutive year? Make the offenders pay more. 2) We don’t drive expensive to repair vehicles. Increase premiums for the wealthy who drive expensive cars. 3) We are claims and conviction free, yet we continue to be penalized financially. 4) Why is our home insurance also increasing significantly for the second year consecutively? 4) For what it is worth, I registered a complaint with the Insurance Ombudsman. I certainly hope Desjardins improves their client-retention marketing and communication strategies. We’ll be shopping around for our renewal unless Desjardin significantly improves their offering.

This insurance company now posing as “State Farm” is malicious and god awful. Stay away as far as possible. I had a horrible advisor for claims, who has a short temper and a criminal record; still working for Desjardins. He took over two months to look at my vehicle and I was left without a car for 8 months. He threatened to not pay and cover for ANYTHING (rental, parking, car) due to the fact that I was catching him in his lies and insurance antics. All until I spoke with his manager and stated that I was going to sue them. They will try to exclude things in accidents to save themselves every penny possible. THEY WILL PLAY DUMB AND MAKE THINGS CONFUSING. NEVER TAKE THE FIRST OFFER. Be persistent if you care about your vehicle. Make them pay for everything. Include things that weren’t even a part of the accident to make them pay. They deserve it. I’ve been paying insurance for 10 years and on my first accident they can barely cough up $3000. They ended up paying $36,000 in repair parts + rental car fees + workshop parking + labour because they were too stubborn to believe that my car (a 2016 AUDI A8) was a write-off; initially OFFERING ME A $3000 ESTIMATE. This insurance company DOES NOT follow the forgiveness accident policy that State Farm adopts; and if you are with State Farm, YOUR INSURANCE WILL INCREASE DRAMATICALLY. EVEN IF THE ACCIDENTS WERE NOT YOUR FAULT! STAY AWAY.

I have been with this company for over 7 years, and year over my rates have been dropping steadily. I even signed up for their Adjusto program and maintained a good driving record (no claims or anything). My Adjusto savings even went up to a high percentage, resulting in good savings. However, this year when my insurance was up for renewal, my rate went up by a whole 24% for the year. I contacted customer service, and they did not know what to tell me other than the area where I live rating was the cause. They even told me had it not been for the Adjusto program the increase would have been 40%. I have had zero claims or tickets, but yet they increased my premium by such a large amount solely due to where I live. Highly disappointing as it very much feels like because I was paying a low rate they decided to increase it as they please, and they just gave me a canned response.

After 3 months, I finally have resolved my claim. Anybody insured with this plan should be aware that it is vital to understand it before paying the additional premium. It is written very poorly and lacks much clarity. The Superintendent of Insurance (Alberta) was involved in my claim and has asked for additional clarity in the documentation. There is no definition of total loss so each claim has its’ own definition provided by the adjuster. Unless you can prove a total loss it will be considered a partial loss so the threshold is critical. So much so that I would advise all to get the definition before paying further premiums, which will rise each year. The value of the damaged vehicle must be added to the cost of repairing it and the cost of the rental. If that amount exceeds the cost of replacing your vehicle you have a solid argument to demand a new current year vehicle.

I have been with this company for awhile. There were numerous complaints on various websites, but I failed to listen. My insurance just magically went up by almost 500 dollars for the year and I have been a perfect driver. No tickets, no claims nothing! The only thing they could tell me was that in the year there were a lot of claims for my area. Bullcrap!!!! Let's see the numbers. Let's see the claims for all the different areas. If you are okay with your premiums going up every year, with no sound reason and no reward for being a good driver? Go with these people. I just have listened. Listen here, these people are not worth it. If you still decide to, remember, you will keep increasing each year for no reason. They are not worth it. Go somewhere else.

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'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!

I've been insured with desjardins auto insurance for over 5yrs then they just increased my premium without any notices.
I haven't got any demerit points or claims or tickets.
They've been collecting over $2,000 per year from my account and now they want more money!!
Beware of this insurance company.

I have been with them for one year. I'm a driver with 15 years experience, clean history, no accidents, no tickets. I shop and compare my insurance every year at renewal time. So I was astonished when I received the renewal from them - $430 more per year. When I called in to inquire why my rate increased so much, they said it was nothing specific to me and that they had to pay out a lot of fraudulent claims so everyone's rates went up. The guy on the phone sounded like he was reading off a script. When I compared the breakdown of the new premium to last year they substantially increased the liability portion and even the accident forgiveness endorsement went up from $60 a year to $100! What a ripoff! I searched online and found 7 other insurance companies who had a lower rate than Desjardins. Personally, I think what they do to lure in good drivers with clean history is they give you ridiculously low rate in the first year and then jack them at renewal hoping that you will stay and not bother with comparing other options. Or they want to force you to use their smartphone app to track your driving habits. Apparently, if you use it for a whole year you may save a bit of money at renewal time at the expense of personal privacy and them knowing where you are all the time. Sorry, no, next! So if you do get a crazy low rate with them online, just beware that they will likely jack it up a lot at renewal. Always shop and compare at renewal and have no loyalty to any insurance company. They're all the same!

They are the worst you can possibly go to. I am currently having a terrible experience with Desjardins both car & home insurance.
The rude and racist customer service ruined my week because of a lousy mistake on their end and increased in total $120 for an address update for on both coverage. I really want to escalate this issue and also search for a new auto insurance company. Its been such a horrible experience.
Seems they plan to make mistakes and when you ask for updates, they increase monthly payments. Stay away please.