Desjardins Insurance Auto Insurance Reviews

Horrible adjuster. I'm going to be taking my business elsewhere once my insurance lapses. Here totally screwed me on my massages. I had a massage therapist that was super unprofessional. I was approved for all my massages for 28 and I had to change massage therapist so it took me 2 months to find another one. My massage therapist was racist and now I'm told that I have to pay out of pocket for half of my massages and she's only covering $350 when they told me I was allowed to get 28 massages. Desjardins is a joke!

Our vehicle was written off not at fault. Dejardin auto insurance advisors offered a settlement of $7500 dollars tax included. I asked them why so low. The multiple advisors said they can only find 2 to compare to our vehicle. They all clearly said "We payout based of off market value compared to what is available. I did a quick search online with the advisor over the phone and found the same model and make but the years were 1 year newer and 1 year older but the KM was 100k + more. The advisor said "You can't compare apples to oranges. You must compare apple to apple." Fair enough. I finally found 2 with 1) the same year 2) the same model 3) KM is a few thousand off. Priced at $12,500 + tax with $2900 under value. I reached out to Dejardin and guess what happens next? The advisor said "The appraiser compared our vehicle to a 2010 model and the max they can give us is $8000 + tax included" Does this sound like a fair settlement and paid based on market value? They are not fair and LIE to customers not at fault.

They will look for any loophole to not fully cover the damage to your vehicle after an accident. Even if there is no proof backing their reasoning they will not pay and make you have no choice but to pay upfront, with the hopes you will just give up and not take them to court. My car has been sitting in a garage for 6 months because they refuse to take care of their responsibilities! Absolutely terrible, I have NEVER seen this from insurance before!
Be careful and if this ever happens to you, it can be very discouraging but don’t give up!

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.

After being in a collision that wasn’t my fault (was hit by a drunk driver) they refused to assess the car requested I pay for it and they would return the money if the damage was the cause of the accident. Nobody called back for days, argued with me instead of attempting to communicate professionally. Long story short I have no car!

The person in charge of our claim has been ignored our calls and emails for almost a week, is currently denying our professional assessment and has been lowballing us from the start by searching 4 cylinder cars instead of what ours is (6 with low mileage) over an accident we didn't even cause and had dashcam footage to prove it. We'll be taking it to the news if it doesn't improve.

I was stopped for a school bus in November and a car rear-ended me. Took my truck to the body shop they recommend, I specifically requested they check for frame damage. However, they were too lazy to remove the rear bumper to check the frame. The quote they submitted to Desjardins insurance was approved but some parts were not available. My insurance adjuster was unable from mid-November until January 6. So finally I picked up my untouched truck and took it home. Removed the bumper to find the frame was indeed damaged. The next day took back to the body shop for more pictures, which they reluctantly did. Then I sent my own pictures to insurance. Because parts were not available all they offered was the price of new parts and that’s all. So I took it to another certified body shop that actually looked at the frame damage. They did up a quote to fix everything, however, they still can get some parts. So I did a third quote, frame repair, parts and a fabrication shop to make the parts that were unavailable. Now my adjuster was unreachable for 4 weeks. Finally, they sent an appraiser at the end of March. He said there was rust on my truck so they could replace it with a rusty used bumper. He did actually locate a bumper and hitch 2000 km away in Nova Scotia. I ordered the part and had it shipped. Now I was starting to lose patients with this whole performance so back to the second body shop for a new quote using the used parts. The new quote was $300 more than the original quote, this one included the frame repair. After a week or so the appraiser calls the body shop and basically yelled at them that they charge too much and the quote was too much. The quote was $3,800 to fix it, after this, I got feed up informed the body shop to proceed with the repair and bill me directly. The insurance appraiser sent an offer of $1,400 after another 2 weeks of waiting. They sent a big email patting themselves on the back about coming to a deal. The only problem is it’s off by $2,400. So I stopped contacting the insurance company and started talking to a lawyer. We are almost in May now, so 5 1/2 months and my no-fault accident cost me over $2,400 and I haven’t driven my truck since November. I was with them for about 20 years with no claims, this was my first one. So do not give your business to these crooks. They will try to screw you. They definitely don’t deserve any stars.

I have been with State Farm and now Desjardins for 54 years. They were a pleasure to deal with 3 agents in all that time. The agents are great. Recently, unfortunately, I submitted a claim in January for an accident that was not our fault. A car had just been certified and put on the road a Volkswagen Diesel. I have sent them information on cars going back as far as 2000 and they are more than what Desjardins is offering me. I used the guide from NADA North American Dealers Association. All Desjardins is offering is equivalent to Clean Trade-In Value/ I can not replace my car for this money. Claim Adjuster doesn't even know what an "AS IS" vehicle is compared to a "Certified Vehicle" I would give them a negative value but this app will not let me! Do Not deal with Desjardins they know you when they take your premiums but want nothing to do with you when you submit a claim!

Told us we had to release the car so they can get it the next day. We did that.
Almost 2 weeks later we received an email that says we have to pay 360 for the towing and 60 a day impound.
The representative Jess said the car was going to be moved She listened to *a tape* will honour that... ok great.
Tells us nothing further can be done until the accident report was obtained.
She tried to tell us she can't access it.
We called the opp who informed us she can.
Then under an hour later, she manipulates my son with the brain injury into accepting a pay put that is not even half the replacement value of the car.
The guy on the phone Benjamin tells me the point in insurance is to give you money so you can add to it and buy a replacement vehicle. It'd not intended to pay what it cost to replace the car.
I have dealt with 6 people from claims. None know what they are doing and none care about customers. Not one is truthful either.
Do not go with this company

Hi, we have had a bad experience with Desjardins. My husband hit 12 point buck hit our car totalled our car lucky he was not hurt. Did they even ask we are still fighting to get our money? We have been there for over 20 years with many cars insured at this time... They still have not done anything except give my husband a headache. Husband went to the office and our agent was rude to us. We will be changing because this is so sad to pay the amount we do and no help from them! They offered us a sad amount but they took our money every month plus our houseboat and 4 wheeler are with them they might miss us but we will not miss them!