Desjardins Insurance Auto Insurance Reviews

Gave them all my information on my driving record and got a premium. Two weeks later my premium goes up to $60 a month because they have apparently found new information that they weren’t aware of. Don’t get insurance from these scum bags

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.

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'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!

I am 52 years old and I have been with State Farm since I was 16. Desjardin bought State Farm in Canada. I have 3 cars and my home insurance with State Farm. I received my first automobile insurance renewal with Desjardins and they raised my rate by 20% for absolutely no reason. That prompted me to shop around for an alternate insurance company. I was paying $ 465.00 per month for 3 cars and my home. My new rate with the same and even better coverage through a broker is $ 322.00 per month. That is a savings of over $ 1700.00 per year. After reading the reviews on poor customer service offered by Desjardins (Certas) I am happy I made the switch and I encourage all current State Farm/Desjardins/Certas customers to look at an alternate provider. I would suggest going through a broker and using Royal Sun Alliance

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.

I called Desjardins after creating my on-line quote for our 2 cars. I had my quote printed out and in front of me. Basically I answered most of the questions over again with the agent (loosely referred to as an Agent) . She gave me a quote after randomly asking several questions (which were already answered on the quote that I had generated) but the quote was 200 and something higher than the quote that I had manually generated myself, however after double-checking all of my answers, we found that there was no differences other than the cost that she quoted. Somehow after mumbling her way through something, she came back with a slightly lower number and once again I explained that her number was still higher so there she goes again, asking me the same questions over again and then finally she get to a number that was $80 less than the quote that I got myself (without changing anything!). No complaining from me there! Then I was asked if I wanted their "adjusto" "thing" which would record our driving habits; it would knock off another 5% from our rates so I went for it. The only problem was, is that now she comes back with another number which was more than 95% of the quote which she just gave to me. I was becoming rather impatient at this point but I calmly explained how to reduce my quote by 5%. From that point onward she barely listened to me at all and denied haven given me the quote that I agued she had. Then I suggested that we just go back to the original quote and then proceed to lower it by 5% for the "adjusto" thing but then she came up with a different starting number altogether. At this point I figured that Desjardins was not a company that I wanted to deal with if their agent could not do basic arithmetic (most of which I thought was intentional).
She then hung up on me! Unbelievable! I thought about how a claim scenario might go with them and after reading some of the reviews on this site, I kind of get the gist of what it might have be like. I have no time for companies like Desjardins. Too bad, thought I was going to get a good deal on my car insurance!