Desjardins Insurance Auto Insurance Reviews

I was a client of State Farm Insurance for 15 years, where the customer service was personal and excellent. Desjardins bought out State Farm, a very bad move for State Farm clients as I have discovered. On June 13, 2020 my vehicle was caught in a flash flood during a major hail and rain storm in Calgary. As a consequence, my vehicle's engine was flooded. Because there was no help to be had, I called AMA, who towed my vehicle in the middle of the night to my trusted auto repair shop. After calling for a week, I was finally able to reach Desjardins. The adjuster told me that my certified repair shop was not on the Desjardins list so the Adjuster insisted on towing the vehicle to a body shop even though there was no body damage. (Lie #1 - the customer can have the vehicle towed to any trusted garage). What I needed was a mechanic. I researched and learned that indeed my vehicle was repairable. After a month, a Desjardins inspector finally showed up, took two minutes to look at the vehicle and insisted it was not repairable so he had the vehicle towed to an auction company. Desjardins made me a ridiculously low offer, which I refused. Finally, they offered a bit more which I again refused. My research told me that the vehicle was worth much more than they were offering and it was repairable. I sent my research to the Adjuster who finally made a decent offer. I did not sign off immediately because I wanted to conduct more research regarding the potential of repairing the vehicle. Yes, it was repairable. The Adjuster lost patience with me stating that she needed to close the file immediately and if I didn't settle I would get nothing (Lie #2 - upon calling the Insurance Bureau of Canada I was informed that I had 2 years to settle the claim). Finally, after 4 months, I accepted Desjardins' offer because they refused to let me buy out the vehicle, forcing me to have to bid on it in an auction. In the meantime, without notifying me, Desjardins notified the Alberta government that the vehicle was deemed unrepairable and that it could never be considered drivable (Lie #3). There was no body damage so it could definitely be deemed as salvage which would have allowed me to repair it and drive it again. This seemed to be a spiteful move on the part of the Adjuster. During the 4 months of back and forth with Desjardins, I asked to speak to a supervisor but no one ever called me. My broker was unable to negotiate for me as, unlike State Farm, Desjardins does not allow brokers to speak on behalf of their clients. I have now lost my trusted vehicle and must buy another one even though my settlement would have been enough to repair the vehicle. Never, never trust Desjardins. I feel that Desjardins merely wanted to pay me out as cheaply as possible just to get rid of me. As a client, I had no value to them.

They have the worst service in the world. They are not picking calls ... put on hold and forget.

After five years of taking my money, here I came to a conclusion that if I knew how careless and unprofessional they were would never have spent a penny of my own to buy their service. What if your claim advisor never answers a phone during business hours, what if you had an accident and never was offered a rental car, and what if you had an injury but it takes weeks to get medical assistance.
Please if you are considering buying insurance go somewhere else.

2 not at fault accidents (1 last year and another this year. Both times vehicle was parked at home) To start off with this company, you will not get any information about the status of your vehicle because nobody at their offices have any idea what they are doing. (They lost my vehicle last year for a few days...). Took 2 months of them sitting on it to tell me they would repair then 2 weeks later called to say they were no longer fixing it. ( again not at fault and they had no reason not to fix it). Now for this year.. so far been 1.5months with no word and again their office staff needs replacing. Save yourself the headache. If its between no insurance or desjardins.. pick no insurance it will be less headache.