Desjardins Insurance Auto Insurance Reviews

It's been 8 years that I was using this insurance company. Never in 8 years I got into an accident or any claim. In October 2018 I got into an accident at no fault. It was a very minor accident. It took 1 and a half month to fix my car. Finally got my car fixed. After a month I was travelling out of the country and wanted to put my car on storage. And I came to know that this company is about to cancel my policy because they wanted some documents signed from me. And I never received any documents due to Canada post strike. And I called them, I told them I never got any document from you yet, so finally they were like okay, you can download that document online. I was like ok, no problem, I will fill this and send over to you guys. After another week I got a letter saying that they cannot renew my policy because they never got the document. So I was speaking to an agent, I explained her I am going out of the country within 4 days. There is a Canada post strike going, you should be getting that soon. So that agent replied me saying, I am sorry "we are not Canada post, Canada post strike is not our problem". So I said ok, so am I responsible for Canada post strike? This company sucks, the agents have no respect towards a customer. They hang up on you when you demand to speak with a manager. This company is a useless piece of crap. Agents are extremely rude, no respect, no sense of responsibility towards the customers. I would suggest everybody never ever go with this company.

This insurance company now posing as “State Farm” is malicious and god awful. Stay away as far as possible. I had a horrible advisor for claims, who has a short temper and a criminal record; still working for Desjardins. He took over two months to look at my vehicle and I was left without a car for 8 months. He threatened to not pay and cover for ANYTHING (rental, parking, car) due to the fact that I was catching him in his lies and insurance antics. All until I spoke with his manager and stated that I was going to sue them. They will try to exclude things in accidents to save themselves every penny possible. THEY WILL PLAY DUMB AND MAKE THINGS CONFUSING. NEVER TAKE THE FIRST OFFER. Be persistent if you care about your vehicle. Make them pay for everything. Include things that weren’t even a part of the accident to make them pay. They deserve it. I’ve been paying insurance for 10 years and on my first accident they can barely cough up $3000. They ended up paying $36,000 in repair parts + rental car fees + workshop parking + labour because they were too stubborn to believe that my car (a 2016 AUDI A8) was a write-off; initially OFFERING ME A $3000 ESTIMATE. This insurance company DOES NOT follow the forgiveness accident policy that State Farm adopts; and if you are with State Farm, YOUR INSURANCE WILL INCREASE DRAMATICALLY. EVEN IF THE ACCIDENTS WERE NOT YOUR FAULT! STAY AWAY.

Let's say I could build a whole damn car and total it and build it again and this insurance company still wouldn't have an estimate done. My beloved Subi was involved in an accident and today marks the 40th day and still no estimate done. I would suggest staying away from this insurance company. Absolutely no regard for customers injuries or their property. My best friends got in an accident and had an estimate in under 3 days. This is a damn estimate we are talking about, I'm not even talking about getting my car fixed, a DAMN ESTIMATE!!! Had to give a 1 star because that's how low this scale goes. My poor car deserved better, not to mention, the other driver was found at 100% fault.

It is almost month for my claim but I have no update. I did complain to the manager but it seems like nobody cares about your claim. Very bad customer service. I will not recommend it to you guys.

Charge a hefty cancellation fee! More than 1K, just for cancelling auto insurance. Never indicate in advance their insurance is indeed a contract with heavy fees to break!
Worst insurance to deal with

DESJARDINS - ABSOLUTELY THE WORST COMPANY I HAVE EVER EVER EVER HAD TO DEAL WITH. I was in an accident January 2018 - 10 months later, I am still fighting with them to pay some of the repairs. They keep saying yes, yes we agree to pay a certain amount but yet 10 months later still no money from them. I just got fed up and wanted my truck fixed before winter, so I ended up just paying for repairs myself. I was granted massage therapy and physiotherapy after this accident, which I used up. Now I am fighting with them to simply close my claim so that I can move on and be done with them once and for all. The massage and physiotherapy offices have been trying to get ahold of them for months now too and finalize my claim and to close my file. To make matters worse, I can not get coverage with a new insurance until the claim is CLOSED with Desjardins

DO NOT GO with these people. Desjardins \ Certas auto insurance is bad bad bad. I swerved my truck off the road due to a very bad snow storm with extremely slippery roads and low visibility. My truck ended up being sandwiched between an ice bank and the side guardrail. My front bumper completely cracked and falling off, front grill pushed in and front tow hook bent. Left bumper completely scraped by the ice bank. When the accident occurred it was very dark out, no street lights. Therefore I could not see all the damages. When I filed my claim online that evening, I failed to report ALL the damages. I had my truck towed to a nearby garage and left it there for the night. I was also injured. Severe whiplash. I couldn't get to the garage to look at my truck until a few days later. Once I saw the actual damages to my truck, I called Desjardins to make an adjustment to my claim and damages. At 1st the adjuster seemed very helpful. But once I received the paperwork via mail, I noticed a very big mistake. The damages in my accident had been split into two separate claims thus charging me two separate 500$ deductibles. I called Desjardins / Certas back to re-explain the situation. Again, the adjuster seemed empathetic and wanting to help. She said the checks were already sent out separately but she would fix the notes to say that all the damages were subject to the same claim and that I would only be liable for one 500$ deductible. She gives me the ok to proceed with the repairs. I then take my truck to a body shop. They give me a quote that exceeded way beyond what Desjardins / Certas paid me for damages. Desjardins / Certas convinced me to send back the original checks they gave me so that they can then start the process over putting all the damages under one claim with only one 500$ deductible. I stupidly comply and send back the checks. Next thing I know, the body shop is telling me the Desjardins / Certas is refusing their appraisal and offering me even less money than before to cover the damages. Needless to say, this accident happened in January 2018, 8 MONTHS LATER, I AM STILL FIGHTING with my Desjardins / Certas to have them cover the entire damages minus the 500$ deductible. To make matters worse, during this gruelling ongoing process they have switched me over to 5 different adjusters. As I said at the top, DESJARDINS \ CERTAS AUTO INSURANCE - WORST COMPANY EVER!!!

I am insured to drive occasionally my sister's and brother-in-law's cars. I am going to move soon to another city, so I gave my car to my sister so she can be the owner, she can sell it or do whatever she wants with it. She wanted to put me on her insurance for this car, so until I move away I can have a car to drive sometimes if I need, but ARROGANT and (I am not saying this to offend this guy) STUPID ( literally stupid I am not kidding) Desjardin representative told me I can't be insured for this car, he is not going to put me in insurance for this car... AND I am still insured for the first two cars????!!!!! HOW???? That made us angry and we found better insurance, much cheaper and I am registered without extra cost. So my advice is don't use Desjardin and keep calling other insurances to check your options.

Please don’t waste your time and effort and don’t put your credit in. It's dangerous because first they are saying that it doesn’t affect, if it’s not your fault in accident and then after 6 years, when they don’t take any benefit from you, they are saying that it’s your fault, we can’t take you anymore. Worst customer service, and changing their words, lying, when they have no benefits from you. Never trust Desjardins insurance company

After 3 months, I finally have resolved my claim. Anybody insured with this plan should be aware that it is vital to understand it before paying the additional premium. It is written very poorly and lacks much clarity. The Superintendent of Insurance (Alberta) was involved in my claim and has asked for additional clarity in the documentation. There is no definition of total loss so each claim has its’ own definition provided by the adjuster. Unless you can prove a total loss it will be considered a partial loss so the threshold is critical. So much so that I would advise all to get the definition before paying further premiums, which will rise each year. The value of the damaged vehicle must be added to the cost of repairing it and the cost of the rental. If that amount exceeds the cost of replacing your vehicle you have a solid argument to demand a new current year vehicle.