Car insurance

Q: What is an insurance policy?

Your car insurance policy is the contract you have with your insurer . It outlines what situations and losses are covered by your insurance.

Q: What is a deductible?

Your deductible is the amount you have to pay out of pocket when you make a car insurance claim . Example: Let's say you have a $500 deductible, and you have an accident that's covered by your policy. If the repairs cost $5,000, you pay the first $500 and your insurance pays the remaining $4,500.

Get a free quote and, if you're eligible, buy your car insurance online!

With a local Desjardins Agent

For personalized advice and coverage tailored to your needs, work with a Desjardins Agent.

Already insured with us?

Manage your insurance

File a claim

Car insurance designed to fit your needs

To be well protected, you need insurance coverage that's tailored for you and your car. We offer coverage options and discounts for different types of drivers and lifestyles. Get a quote today and protect your car for the right price.

Save on your car insurance

We have discounts and offers to get you a better price for your car insurance. Find out which ones you qualify for.

Double Contract discount for home and car

Get up to 15% off your home insurance by bundling your home and car insurance policies with us.1

Learn more about the Double Contract discount

Other savings and discounts

Multi-Vehicle

Young Drivers

Zero Violations

See all the ways you can save

Ajusto: Take control of your car insurance costs

Sign up for the Ajusto^® program and get a personalized premium based on your driving habits and behaviours. It pays to drive safe with Ajusto.2

Learn more about Ajusto

Discover our auto coverages

Learn about our coverage types to see which ones you really need.

Civil Liability
All Perils
5-Year Replacement Cost
Trouble-Free Option^®

See all our coverage types

How the auto claims process works

In the event of an accident, collision, theft or other loss, you can file your claim online, in the Desjardins Insurance Home-Auto app or by phone 24/7. We're here to guide you every step of the way.

See the steps in the claims process

Manage your auto insurance online

View your insurance documents
Display your digital proof of auto insurance in the app3
Update your payment information
File a claim
Tell us you're putting a vehicle in storage
Change your address

Learn more about our online services

Download the Desjardins Insurance Home-Auto app

Get help from a local Desjardins Agent

Work with a Desjardins Agent in your area for your insurance and financial needs.

Direct line of communication
Advice based on your lifestyle and goals
Personalized management of your file
Long-term relationship

Get your car insurance online

Get an online quote and, if you're eligible, buy your car insurance without having to call us.

FAQ

Why has my car insurance premium increased this year?

A number of factors have increased the cost of car insurance in Canada. 

To learn more, read How car insurance premiums are calculated.

What is an insurance policy?

Your car insurance policy is the contract you have with your insurer. It outlines what situations and losses are covered by your insurance.

What is a deductible?

Your deductible is the amount you have to pay out of pocket when you make a car insurance claim. Example: Let's say you have a $500 deductible, and you have an accident that's covered by your policy. If the repairs cost $5,000, you pay the first $500 and your insurance pays the remaining $4,500.

See all car insurance questions

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.

Claims

Available 24/7

1-888-776-8343 This link will launch your default phone software.

Explore more products and services

Recreational vehicle insurance

Coverage designed for your motorcycle, snowmobile, ATV, boat, RV or trailer

Roadside assistance

Protection for you and your vehicle with service 24/7 in Canada and the US

Damage insurance products are underwritten and distributed by Desjardins General Insurance Inc., 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.

Certain conditions, exclusions and limitations may apply.

Online insurance purchase is available subject to our underwriting policies.

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

Ajusto is underwritten by Desjardins General Insurance Inc.

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

Trouble-Free Option ^® is a registered trademark of Desjardins General Insurance Group Inc., used under licence.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

The Desjardins Roadside Assistance program is managed by Assistel Inc.

Homeowners can save up to 10% and tenants and condo owners, up to 15%.

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

Digital proof of auto insurance is generally accepted in Alberta, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, the Yukon and in most American states. When you're driving, keep a paper copy with you in case your phone isn't charged and you're asked to show proof of insurance.