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Car insurance

Your Discounts and Advantages

As a welcome gift, get a gas card worth up to $100* when you buy auto insurance after obtaining an online quote!

Exclusive advantages for members

  • 25 and under
  • $50 annual rebate per insured auto
  • Free Roadside Assistance

Details

Thinking of everything means offering you advantages and competitive prices

When you choose auto insurance - External link. This link will open in a new window. from Desjardins Insurance you get:

Available only in Quebec.

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 great 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 violations in the last three years2 10%
You insure more than one vehicle
You insure your car and your home

You insure your recreational and leisure vehicle and your car

10% off the RV and leisure vehicule insurance
You install a Desjardins Insurance certified3 antitheft or tracking system Up to 40%

Available only in Quebec.

Ajusto is underwritten by Desjardins General Insurance Inc.

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

Some conditions, exclusions and limitations apply.

  1. The discount for fuel-efficient vehicles is awarded based on criteria defined by Desjardins Insurance using information provided by the "Fuel Consumption Guide" published by Natural Resources Canada - External link. This link will open in a new window..
  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.

Under the Quebec Automobile Insurance Act, you must have at least $50,000 in liability coverage, but most people opt for $1 million or $2 million.

This coverage is automatically included in the calculation of your auto insurance quote - External link. This link will open in a new window..

A word from the expert

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

Protect your vehicle against accidental damage

This coverage protects you if your vehicle:

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

Without Collision and Upset coverage, your vehicle repairs are not covered if you're entirely at fault in an automobile accident.

*This coverage 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

This coverage protects your new vehicle against depreciation for up to 5 years.

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 and having the same equipment and accessories.

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, we’ll repair or replace the damaged parts and cover depreciation, up to $1,000.

In case of total loss, based on the option you choose, you’ll receive compensation equivalent to either:

  • The price you paid for your vehicle, increased by an annual percentage
  • or

  • The value of your vehicle at the time of the loss, increased by an annual percentage.

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

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

Pay no deductible when making a claim

Why no add the $0 Deductible Option1to your insurance policy? You’ll get peace of mind knowing that there’s no deductible to pay if you need to file a claim.

1. Some conditions apply.

Avoid higher premiums after a first at-fault accident

As long as Accident-Free Protection is on your policy, your first at-fault accident will be treated as though it never happened.

For more information, contact one of our licensed insurance professionals.

This coverage package allows you to personalize your insurance at a lower rate.

The Trouble-Free Option includes the following coverage:

Situation Coverage
You borrow or rent a car. 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!

® 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. Add this option to your policy and get up to 5 emergency roadside service calls including:

  • Towing
  • Extrication
  • Flat tire change
  • Battery boost
  • Lockout assistance
  • Fuel delivery
Annual fees
  • $75,992 + taxes for 1 vehicle
  • $91,992 + taxes for 2 vehicles
  • $105,992 + taxes for 3 or 4 vehicles

To sign-up or get more information:

Learn more -  Desjardins Roadside Assistance External link. This link will open in a new window.

® Desjardins Roadside Assistance is a registered trademark of Desjardins Financial Security - External link. This link will open in a new window. Life Assurance Company, used with permission from Desjardins General Insurance Inc. This program is managed by Assistel.

2 Prices may change at any time without notice.

Covers your transportation costs following a covered loss, such as collision, fire or theft

This 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 loss occurs during a trip, this endorsement also covers expenses, such as the additional cost of meals and accommodation.

This coverage helps make the inconvenience of an accident more bearable. You can add this coverage to your insurance premium calculation when you get an auto insurance quote - This link will open in a new window..

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

In context

Friday night, Sam and Julie were driving 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 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. However, you’ll have to show your auto insurance certificate, with proof of endorsement.

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.

Available only in Quebec.

Ajusto

Drive safe and save with the Ajusto® mobile app

Desjardins Insurance is the first Canadian insurer to offer you a 100% mobile program -  External link. This link will open in a new window.. No need to plug a device into your car. Just download the Ajusto app on your smartphone. Ajusto shows you how you can improve your driving, so you can save.

With Ajusto you can save up to 25%1 more on your car insurance premium at renewal. Invite your friends to try the app and challenge them to find out who the best driver is!

Free, no obligation trial

Learn more - Ajusto

® Ajusto is a registered trademark of Desjardins General Insurance Inc.

Ajusto is underwritten by Desjardins Insurance, which refers to Desjardins General Insurance Inc.

The Desjardins Insurance Ajusto application is compatible with iPhone or Android smartphones that are less than three years old. If you can’t see the application, your phone is most likely not compatible. Call us to speak an insurance agent at 1-888-277-8726.

Some conditions, limitations, and restrictions may apply.

1 The discount does not apply to certain endorsements and additional coverages.

Advantages

Why choose Desjardins Insurance for your car insurance

Available only in Quebec.

Some conditions, exclusions and limitations apply.

Desjardins Insurance refers to Desjardins General Insurance Inc.

Some conditions, exclusions and limitations apply.

* Gift card value between $30 and $100, as the case may be. This offer is available to clients who purchase a new personal lines auto insurance policy after obtaining a quote online from Desjardins Insurance. Offer cannot be combined with any other offer and may be withdrawn without notice. Available to Quebec residents only. Other conditions and exclusions may apply. For full details, contact a Desjardins Insurance insurance agent.

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