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Car insurance

Promotions

Made to measure for your auto

Made to measure for your auto
Request an auto insurance quote
1-888-277-8726

Member advantage: $50 annual rebate per insured auto and free Roadside Assistance
for members 25 and under

These auto insurance products are available only in Quebec.

Learn more about auto insurance products available in Ontario

Details

Made-to-measure protection also comes with made-to-measure savings!

When you choose auto insurance from Desjardins Insurance you get:

Ajusto is underwritten by Desjardins General Insurance Inc.

1. Drivers with no Highway Safety Code violations in the past 3 years are eligible for Zero Violations savings. Parking tickets are not taken into account when granting Zero Violations.The savings correspond to a percentage reduction granted on part or all of the premium, or on certain sections of your insurance policy.Parking tickets are not taken into account when granting the Zero Violations discount.

Some conditions, exclusions and limitations apply.

Savings

Every situation has its savings!

Save even more with our made-to-measure savings.

Your situation Your savings
You are a Desjardins caisse member aged 25 and under
You signed up for Ajusto Up to 25%
You are under 25 Up to 20%
You drive a fuel-efficient vehicle1 10%
You drive a hybrid vehicle 15%
You drive an electric vehicle 20%
You have had no traffic violations2 10%
You insure more than one vehicle
You insure your car and your home
You install a certified antitheft or tracking system4 40%
You insure your recreational vehicle and your car 10% off the RV insurance

Eligible fuel-efficient vehicles

Eligible hybrid vehicles

Eligible electric vehicles

Ajusto is underwritten by Desjardins General Insurance Inc.

® The Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc.

  1. The discount for fuel-efficient vehicles is awarded based on criteria defined by Desjardins General Insurance Inc. using information provided by the "Fuel Consumption Guide" published by Natural Resources Canada.
  2. Drivers with no Highway Safety Code violations in the past 3 years are eligible for Zero Violations savings. Parking tickets are not taken into account when granting Zero Violations.
    The savings correspond to a percentage reduction granted on part or all of the premium, or on certain sections of your insurance policy. Parking tickets are not taken into account when granting the Zero Violations discount.
  3. Contact us for information about eligible systems.

Some conditions, exclusions and limitations apply.

Coverages

Basic coverage

Get all the basic coverage you need to drive worry-free.

Be covered for property damage or bodily injury to another person

As a citizen, you must be in a position to pay if you damage someone's property or if you accidentally cause an injury or fatality (outside Québec). That's why the law in Canada requires that you have basic liability coverage.

By law you must have at least $50,000 in liability coverage for a private passenger vehicle and at least $500,000 for a recreational vehicle such as a snowmobile or a VTT, but most people opt for $1 million or $2 million.

This coverage is automatically included in the calculation of your auto insurance quote.

A word from the expert

Tip Benefit
Opt for $2 million in civil liability coverage for worry-free driving. You'll enjoy peace of mind and your insurance premium will only increase slightly.

Protect your vehicle against accidental damage caused by collision or upset

Collision insurance protects you against damage caused to your vehicle if your car:

  • Collide with another vehicle or a trailer that is attached to the vehicle
  • Hits a person, an animal or an object
  • Rolls over

Without this coverage, your vehicle repairs aren't covered if you're entirely at fault in an automobile accident.

*Collision and upset protection is often required if your vehicle is leased or purchased with financing.

In context

When Mark bought his car, he decided to "cover all his bases", even though his vehicle was over five years old.

A few months later, he knew he'd made the right decision after losing control of his vehicle on the highway. His car was severely damaged and the cost of repairs totaled several thousand dollars.

Thanks to his Collision and upset coverage, all Mark had to pay for car repairs was the deductible.

Protect yourself against other perils than collision or upset

This coverage protects you against loss or damage to your vehicle, such as:

  • Glass breakage
  • Fire, theft, vandalism
  • Wind storms, lightning, earthquakes, floods, hail
  • Objects thrown in the air or falling objects
  • Riots or disturbances of the peace
  • Projectiles
  • Explosions

*This coverage is often required if your vehicle is leased or purchased with financing.

In context

After a stormy winter night, Jerry woke to an alarming scene. His car shelter had caved in under the weight of the snow and a metal bar had gone through the car's roof and windshield.

Fortunately, Jerry had opted to add All perils other than collision or upset coverage to his auto insurance policy. As a result, his insurance company paid for the repairs and Jerry paid only the deductible.

Optional coverage

Add optional coverages and only pay for what you really need.

Make sure you always have a new vehicle

Replacement cost coverage protects you against the depreciation of your vehicle.

Now, you can enjoy this coverage for up to 5 years.

Advantages

After an accident, this coverage:

  • Covers the vehicle and its equipment, such as:
    • A bike rack
    • A luggage rack
    • A trailer hitch
  • Makes it easier to have repairs made or parts replaced at the dealer of your choice
  • May be added up to 90 days after the purchase or lease of a vehicle

In the event of a partial loss, your vehicle will be repaired with new parts. In the event of a total loss, your vehicle will be replaced with a similar vehicle of equal value.

Get replacement cost coverage that's among the most complete on the market!

Protect the value of your used car in case of damage or total loss

The Value Plus Option protects your used vehicle against depreciation for up to 5 years.

In case of partial loss:

  • If depreciation applies when a damaged part is repaired or replaced, this coverage will pay the amount of the depreciation, up to $1,000.
    • For example, your car door that already has some rust damage is dented after a collision. With this coverage, the dents will be removed and the door will be repainted. It will look better than before, and you won't be charged for the depreciation due to the rust.

In case of total loss:

  • Depending on the option included in your policy, you get compensation equivalent to:
    • the price you paid for your car, increased by an annual percentage; or
    • the value of your car at the time of the loss, increased by an annual percentage

Either way, your settlement amount will be more than your car's actual cash value at the time of the loss, giving you more options to buy a new car.

Simplify your insurance by choosing the Value Plus Option from Desjardins Insurance, and keep all your car coverage in one place.

TM Value Plus Option is a trademark of Desjardins General Insurance Group Inc.

With the $0 Deductible Option1, you'll pay no deductible when making a claim.

Enjoy the peace of mind that comes with knowing both your vehicle and your wallet are protected if you need to file a claim.

For more information, contact one of our licensed insurance professionals and ask about this convenient option.

If you're not already insured with us, get an auto insurance quote today.

1. Certain conditions apply.

Better coverage for your car insurance

By purchasing the Accident-Free Protection for your auto insurance, your insurance premium won't increase as a result of a first at-fault accident.

In fact, as long as the Accident-Free Protection remains on your car insurance policy, this accident will be treated as though it never happened.

For more information, contact one of our licensed insurance professionals who will be happy to discuss this new auto insurance option with you.

If you're not already insured with us, you can get an auto insurance quote today.

Our Trouble-Free Option is a package that allows you to personalize your insurance at a lower rate.

The option includes the following coverage:

Situation Coverage
You borrow or rent a vehicle for a short period of time. Up to $100,000 for material damage caused to a private passenger vehicle, trailer or camping trailer not owned by you.
No additional insurance required when you rent one of these vehicles in Canada or the United States.
Your car is stolen or is off the road following a covered accident. Up to $1,500 for transportation expenses.
Up to $750 for certain expenses such as additional cost of meals or accommodation when the loss occurs during a trip.
Your car is declared a total loss. No deductible
You're the victim of a hit-and-run that is immediately reported to the police. No deductible
Death as a result of an auto accident. $15,000 of coverage for you or your spouse.

Bundle and save!

  • Insure your car and home with us and get the Trouble-Free Option free.
  • Insure two or more vehicles with us and get 50% off the Trouble-Free Option.

® Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc.

Unique on the market, Desjardins Roadside Assistance offers comprehensive coverage with 24/7 towing service at a very competitive rate.

  • $71,992 + taxes for 1 vehicle
  • $85,992 + taxes for 2 vehicles
  • $99,992 + taxes for 3 or 4 vehicles

To sign-up or get more information:

Not Insured With Us?

Get an auto insurance quote now and see how easy it is to be well protected.

Learn more - Desjardins Roadside Assistance

® Desjardins Roadside Assistance is a registered trademark of Desjardins Financial Security Life Assurance Company, used with permission from Desjardins General Insurance Inc. This program is managed by Sigma Assistel Inc.

2 Prices may change at any time without notice.

Covers your transportation costs following an accident

Travel costs (broad form) coverage reimburses you for the cost of renting a replacement vehicle, taking a taxi or public transit when your vehicle is not driveable after a covered loss.

  • If the accident loss occurs during a trip, this endorsement will also covers certain expenses, such as the additional cost of meals and accommodation.

This coverage is not mandatory, but helps make the inconvenience of an accident more bearable. You can add this coverage to your insurance premium calculation when you request an auto insurance quote.

This coverage is included in the Trouble-Free Option®.

In context

At 10:30 p.m. on Friday night, Sam and Julie were heading home from the movie theatre. Just a few streets away from their house, they hit another vehicle. Fortunately no one was injured, but the car was severely damaged and could not be driven without being repaired.

No problem! When insuring their vehicle, Sam and Julie added Travel costs (broad form) coverage so that their policy would cover the cost of renting a replacement vehicle.

® Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc.

Be protected in case you damage a rented or borrowed vehicle

This optional coverage protects you in case you damage a private passenger vehicle, a trailer or camping trailer you rent or borrow anywhere in Canada or the United States.

Depending on the type of vehicle you rent for personal use, you won't need the insurance offered by the rental company.

This coverage is included in the Trouble-Free Option®.

In context

Charles didn't have a van to move his daughter into her first apartment in Montreal, so he borrowed his brother-in-law Luke's.

While driving, Charles lost control of the van and damaged it. Luke didn't have Collision and upset insurance, so his van wasn't covered.

Luckily, Charles had added Civil liability for damage caused to vehicles of which named insured is not owner to his insurance policy and only had to pay the deductible to have Luke's van repaired. His insurance company assumed the costs.

® Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc.

Ajusto

Save up to an additional 25% on your car insurance

Presenting AjustoTM, our new usage based insurance program. Desjardins General Insurance is offering this state-of-the-art technology for FREE to you as a client with us.

If you drive less than 15,000 km a year, are a good driver and want to save money – Take control of how much you save on your car insurance with Ajusto!

Sign up for the program and get ready to save up to 25% on your car insurance each year. This is in addition to other savings Desjardins General Insurance can already offer you!

Learn more - Ajusto

Ajusto is underwritten by Desjardins General Insurance Inc.

TM Ajusto is a trademark of Desjardins General Insurance Inc.

Advantages

Why choose Desjardins Insurance for your car insurance

No wonder 95%1 of our customers renew their insurance with us year after year!

1. November 30, 2009 volume report

Some conditions, exclusions and limitations apply.

This text is intended as a guide. Full conditions and exclusions can be found in the insurance policy.

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