Topic: Insurance How home insurance premiums are calculated
What is the Double Contract discount?
Our Double Contract discount gets you a lower rate when you bundle your car and home insurance with us. It also makes your insurance easier to manage, without the hassle of dealing with multiple providers.
Why bundle your home and car insurance
Home insurance discount
You could save on your home insurance when you insure both your home and car with us.
- Homeowners save up to 10%
- Condo owners and tenants save up to 15%
Single deductible
If you insure your car and home with us, you only pay one deductible (the higher one) if the same event damages them both.
Free auto insurance coverage package
Get the Trouble-Free Option®, a package of some of our most popular auto insurance coverages, at no extra cost.
Easy-to-manage insurance
Manage your home and auto insurance in one place, whether it's Online Services or the Desjardins Insurance Home-Auto mobile app.
Free legal assistance
Speak with one of our lawyers or notaries for free.
Monday to Friday: 9 AM to 8 PM
Saturday: 9 AM to 5 PM
1-888-875-7748 This link will launch your default phone software.
You might call for legal assistance to:
- Find out the legal consequences of breaking a contract
- Ask questions about your will, marriage or civil union
- Get advice about a dispute with a neighbour
Other ways you could save on your insurance premium
Sign up for Ajusto
You could get a 10% discount for 6 months when you sign up for Ajusto®. After that, you could get a more personalized premium based on your driving.
Insure multiple vehicles with us
You could save even more when you insure more than one vehicle with us.
2 or more cars
- 15% off for each car you insure with us
- 50% off the Trouble-Free Option
- Free legal assistance
A car and a recreational vehicle
10% off for each recreational vehicle you insure with us in addition to your car.
Install security systems
Installing systems in your home to prevent water damage, theft or fire could help you save on your home insurance.
Contact us
Client Relations Centre
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM
1-888-277-8726 This link will launch your default phone software.
Our tips to better understand insurance
- Topic: Insurance How car insurance premiums are calculated
Certain conditions, exclusions and limitations may apply.
This offer is valid for a limited time only, from September 1, 2026, to December 31, 2026, inclusive, and is available exclusively to residents of Quebec. Only one rebate amount is available per customer during the offer period, regardless of the number of insurance policies held by that customer. The amount of the rebate varies depending on the products purchased.
To be eligible, the insured must provide a valid email address and must pay their insurance premiums exclusively by credit card or electronic funds transfer.
This offer is available only to new customers or to existing customers who already hold an eligible product and choose to add a second eligible product to their insurance policy during the promotional period. Changes made to an automobile or home insurance product already held by a customer under their insurance policy are not eligible for the discount offer.
To be eligible for the $100 rebate offer, the insured must combine an automobile insurance product with one of the following home insurance products: Homeowners or Owners - Building and Content.
To be eligible for the $50 rebate offer, the insured must combine an automobile insurance product with one of the following home insurance products: Condominium Unit Owners, Tenants, Tenants – Military Quarters, Secondary / Seasonal Home, Mobile Home, Pleasure Craft Insurance, Business Package Insurance, Personal Umbrella Liability Policy, Basic Protection, Condominium Unit Owners – Basic Protection, Comprehensive Personal Liability.
Business insurance products are excluded from this rebate offer.
The rebate amount is paid on a deferred basis by the insurer and is conditional upon the prior payment by the insured of a portion of the insurance premium. The amount of this prior payment by the insured must exceed the rebate amount. The full insurance premium remains payable by the insured, in accordance with the terms and conditions set out in the policy, and is determined based on each client’s individual profile in accordance with our risk assessment procedure.