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Car insurance FAQ

Questions about car insurance? Find answers in our FAQ, whether you want to know more about how to save on insurance and get a lower rate, what's legally required or how to cancel your policy.

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How do I cancel my car insurance?

The easiest way to cancel your insurance policy is to contact us at 1-888-277-8726 This link will launch your default phone software.

We really want to hear what you have to say and understand what you need. Your satisfaction is our priority.

If you prefer to write, you can log in to your Online Services and send us a secure email. Simply select Renewal or cancellation and choose the insurance product to cancel. After that, just go to the How can we help you section and provide us with your:

  • Desired cancellation date
  • Reason for cancellation
  • Address

You can also fill out, sign and mail us the slip included with your insurance contract.

A damage insurance agent can then review your insurance file and give you advice that's right for your situation.

We'll confirm the cancellation by mail.

Tip: Make sure you have adequate insurance coverage elsewhere before the cancellation date, because you're required to hold civil liability insurance in Quebec when you own a vehicle. When you are comparing coverage options, think about what services and benefits are included, not just the price.

Do I have to pay any fees to cancel my car insurance policy?

If you decide not to renew your insurance policy, call us at 1-888-277-8726 This link will launch your default phone software.

There are no penalties or fees if you cancel on the policy renewal date.

There may be fees if you cancel before the renewal date. This is standard industry practice. To find out what the fees may be for you, call us at 1-888-277-8726 This link will launch your default phone software.

Does storing a vehicle or removing it from my policy cancel my insurance?

No. This is just an update to your policy if you're:

  • Removing one of your vehicles
  • Replacing a vehicle with a different one
  • Storing a vehicle

You can make this kind of change using our Online Services or by calling a damage insurance agent.

If you have only one vehicle on your policy, and you'd like to remove it because you've started using public transportation, for example, please contact us at 1-888-277-8726 This link will launch your default phone software.

Can my insurer choose to cancel my car policy?

Yes, in some cases, your insurer may cancel your car insurance policy (for example, if you hadn't paid your premiums or if you make false statements). We would notify you by registered mail well within legal time limits if we were going to cancel your insurance. See your policy for more details.


How can I lower my car insurance premium before I renew my policy?

Car insurance is going up in Canada, but there are still ways you can lower your premium:

  1. Sign up for the Ajusto® program if you're a safe driver. It's free, and you'll automatically save 10% for the first 6 months. You could even lower your premium by up to 25% afterwards. Did you know that close to 90% of the drivers who sign up for Ajusto were able to maintain or lower their premium?1
  2. Insure more than one vehicle with us or bundle your home and car insurance to help save even more.
  3. Have a tracking system installed if your car's make and model is popular with thieves.
  4. Update your kilometer usage and reassess how much you actually drive. If it's lower than the number you gave us, let us know and you might pay less for your premium.

For even more ideas, here are 8 tips to lower your car insurance premium.

Contact us if you have any questions about your premium or renewal. We're here to help find a solution that's right for you.

Can I save if I increase my car insurance deductible?

Yes, you could save money if you increase the deductible for these 2 coverages:

Generally speaking, the higher your deductible, the lower your car insurance premium. Just make sure you can afford to pay the higher deductible in the event of a claim.

Thinking about changing your deductible? Feel free to contact us. Renewal is also a great time to review your options.

Does the winter tire rule affect my car insurance policy?

Not at all. The Regulation respecting the use of tires specifically designed for winter driving has no impact on your car insurance. That being said, we’d like to remind you that Quebec’s Highway Safety Code requires you to have winter tires on your car between December 1 and March 15. If you don’t, you could be fined up to $300.

To learn more, you can read more about Quebec winter tire requirements External link., which are outlined in the Highway Safety Code.

Do I have to get car insurance?

By law, you're required to have car insurance. If you're found driving without insurance in Canada, you'll be charged.

More questions about car insurance

What is a material change in risk? How does it impact my auto policy and claims?

As a policyholder, you are responsible for informing your insurer of any changes made to your vehicle or how it is used. This includes things like vehicle modifications, changes in vehicle use (for example, commercial use), the addition of newly licensed drivers to your household and a change of address.

A vehicle modification includes:

  • Performance-related modifications, such as upgrading the engine
  • Electronic modifications, such as upgrading the stereo
  • Cosmetic modifications, such as a new paint job

Commercial use means any change in use where the insured vehicle is now used for commercial purposes. For example, if you started ridesharing or deliveries using your personal vehicle, this would be considered commercial use.

You should always notify your insurer when any change is made to your vehicle. The risk will be re-evaluated and may result in a premium adjustment or even the cancellation of your policy. If you make any of the changes described above but don’t inform your insurer, the insurer can decide to deny your claim, and may even cancel or void your policy.

Note: If you need to modify your vehicle to accommodate a medical condition, you should still notify your insurer.

How do I add a driver to my car insurance policy?

You can use Online Services to add a new driver to your auto insurance policy.

To add a driver to your Desjardins auto insurance policy, follow these steps:

  • Log in to your account
  • Select the Vehicle section
  • Then select Add a driver
  • Enter the information required and save

Add a driver to your policy

How do I add a vehicle to my car insurance policy?

You can use Online Services to add a vehicle to your auto insurance policy. It's a quick and easy way to keep your auto insurance up to date.

To add a vehicle to your Desjardins auto insurance policy, follow these steps:

  • Log in to your account
  • Select the Vehicle section
  • Choose Add a vehicle
  • Enter the information required and save

Add a vehicle to your policy

Looking for more about car insurance?

Find out more about our car insurance coverage, savings and discounts, the claims process and managing your policy online.

Didn't find what you're looking for?

We're here to help.

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Saturday: 8 AM to 4 PM

Damage insurance products are underwritten and distributed by Desjardins General Insurance , Incorporated provider of automobile, property and business insurance.

The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Some conditions, exclusions and limitations may apply.

Savings and discounts are based on each client's individual profile and are subject to eligibility conditions. They are subject to change without notice.

Ajusto® is a registered trademark of Desjardins General Insurance  Incorporated. Ajusto is underwritten by Desjardins General Insurance  Incorporated.

The Ajusto enrolment discount and personalized premium do not apply to certain endorsements or additional coverages.

1. Based on the scores of all clients of the insurance subsidiaries of Desjardins General Insurance Group Inc. in their first data collection period, under our new Ajusto program (as of October 1, 2021).