Desjardins Auto Insurance
When it comes to protecting your vehicle on the roads of Canada, you need reliable and comprehensive auto insurance coverage. That's where Desjardins Insurance comes in. With Desjardins Auto Insurance, you can rest easy knowing that your ride is secure and protected.
Desjardins Insurance is a leading provider of auto insurance in Canada, offering a range of coverage options tailored to your specific needs. Whether you have a car, motorcycle, RV, or other recreational vehicle, Desjardins has you covered.
With Desjardins Auto Insurance, you can enjoy the peace of mind that comes with expert coverage and responsive customer service. Whether you're on a quick trip to the grocery store or embarking on a cross-country adventure, Desjardins has your back.
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| Experience peace of mind on the road with Desjardins Auto Insurance. Expert coverage that fits your lifestyle in Canada. |
Key Takeaways:
- Desjardins Insurance offers comprehensive auto insurance coverage in Canada.
- Desjardins Auto Insurance provides peace of mind on the road.
- Desjardins offers coverage options for cars, motorcycles, RVs, and more.
- Responsive customer service ensures your needs are met.
- Stay protected on every journey with Desjardins Auto Insurance.
Benefits of Desjardins Auto Insurance
Desjardins Auto Insurance offers a range of benefits to policyholders. These include:
- Personalized Coverage Options: Desjardins understands that every driver is unique, which is why they offer personalized coverage options tailored to your specific needs. Whether you're a new driver, have multiple vehicles, or need additional protection, Desjardins has you covered.
- 24/7 Claims Support: Accidents can happen at any time, which is why Desjardins provides 24/7 claims support. Their dedicated team is always available to guide you through the claims process and provide the assistance you need when you need it most.
- Discounts: Desjardins believes in rewarding safe and responsible drivers. That's why they offer a variety of discounts that can help you save on your auto insurance premium. These discounts can include safe driving discounts, multi-vehicle discounts, bundling discounts, and more.
- Ajusto Program: Desjardins goes above and beyond by offering the Ajusto program. This innovative program uses advanced telematics technology to track your driving behavior and habits. By monitoring factors such as speed, acceleration, braking, and more, Desjardins can calculate a personalized insurance premium based on your individual driving profile.
With Desjardins Auto Insurance, you can enjoy the peace of mind that comes with expert coverage, personalized options, and exceptional benefits. Take advantage of these benefits and ensure your ride is protected on the road.
Ajusto Program - Personalized Auto Insurance Premiums
The Ajusto program offered by Desjardins Insurance is a unique feature that calculates personalized auto insurance premiums based on your driving behavior and habits. With Ajusto, you have the opportunity to save on your auto insurance premium by demonstrating safe driving practices.
By using the Ajusto app, policyholders can track their driving data and receive valuable insights to improve their driving habits. The app takes into account various factors such as speed, acceleration, braking, distance, time of day, and driving routes to calculate an overall driving score. Safe driving habits can result in significant discounts of up to 25% on your auto insurance premium.
With Ajusto, it's not just about saving money; it's about becoming a safer and more responsible driver. By receiving feedback and tips through the app, you can identify areas where you can enhance your driving skills. This not only benefits you in terms of potential premium savings but also contributes to overall road safety and the well-being of all drivers.
The Ajusto program empowers you to take control of your insurance premiums by rewarding your safe driving behaviors. It's a win-win situation – you get to improve your driving skills while potentially lowering your auto insurance costs.
How to Use Ajusto in 3 Steps
The Ajusto program offered by Desjardins Insurance allows policyholders to track their driving behavior and potentially receive discounts on their auto insurance premium. Here's how you can use Ajusto in three simple steps:
- Download the Desjardins Insurance Home-Auto app: Begin by downloading the Desjardins Insurance Home-Auto app on your smartphone. The app is available for both iOS and Android devices, making it accessible to a wide range of users.
- Enter your policy number: Once you have downloaded the app, open it and enter your Desjardins Insurance policy number. This step is necessary to link the app to your specific auto insurance policy.
- Sign up for the Ajusto program: After entering your policy number, you can sign up for the Ajusto program directly through the app. This will enable the tracking of your driving behavior and allow you to receive personalized insights and guidance to improve your driving habits.
Throughout the program, Ajusto takes into account various factors, including speed, acceleration, braking, distance, time of day, and driving routes. By monitoring these driving behaviors, Ajusto calculates an overall driving score, which can then be used to potentially earn discounts on your auto insurance premium.
Using Ajusto is a simple and convenient way to gain valuable insights into your driving habits while potentially saving money on your auto insurance coverage. Download the Desjardins Insurance Home-Auto app today and start taking advantage of the benefits of the Ajusto program.
Benefits of Safe Driving with Ajusto
Safe driving habits not only help keep you and others on the road safe, but they can also lead to significant benefits for your auto insurance premium through the Ajusto program. By maintaining responsible driving practices, you can earn discounts of up to 25% on your insurance premium. Here are a few key safe driving habits that can contribute to qualifying for these valuable discounts:
- Adhering to the speed limit: Driving within the legal speed limits not only ensures your safety but also demonstrates your commitment to responsible driving behavior.
- Smooth acceleration and braking: By avoiding sudden and aggressive acceleration or braking, you minimize the risk of accidents and display cautious driving habits.
- Maintaining a safe distance from other vehicles: Keeping a safe following distance not only provides you with more time to react to potential hazards but also reduces the likelihood of rear-end collisions.
- Avoiding cellphone usage while driving: Distracted driving is a leading cause of accidents. By refraining from using your cellphone while behind the wheel, you actively prioritize the safety of yourself and others on the road.
By consistently practicing these safe driving habits, you can improve your driving score and potentially save a significant amount on your auto insurance premium. Demonstrating responsible driving behavior not only reduces your risk of accidents but also rewards you with financial benefits.
Next, let's take a closer look at the potential discounts you can earn through the Ajusto program:
| Driving Score | Discount on Auto Insurance Premium |
|---|---|
| Above 90 | 25% |
| 85-89 | 20% |
| 80-84 | 15% |
| 75-79 | 10% |
| 70-74 | 5% |
| Below 70 | No discount |
As you can see, the higher your driving score, the greater the discount you can receive. So, by prioritizing safe driving and consistently maintaining good driving habits, you can not only protect yourself and others on the road but also enjoy the benefits of reduced insurance premiums.
Recreational Vehicle Insurance
Desjardins Insurance understands that your recreational vehicles hold great value to you. That's why we offer comprehensive coverage for a wide range of recreational vehicles that include motorcycles, snowmobiles, ATVs, boats, RVs, and trailers. Our recreational vehicle insurance coverage is designed to protect your investment and provide financial support in the event of accidents, theft, or damage to your recreational vehicle.
With Desjardins Insurance, you can have peace of mind knowing that your recreational vehicles are protected while you enjoy your favorite outdoor activities. Whether you're cruising on your motorcycle, exploring the wilderness on your ATV, or sailing on your boat, our coverage ensures that you can fully embrace your recreational adventures without worrying about potential risks.
Our recreational vehicle insurance policies offer a range of coverage options tailored to your specific needs. You can customize your policy to include protection against liability, physical damage, and other potential risks. We understand that each recreational vehicle is unique, and our coverage aims to provide the necessary support to keep you on the move.
When it comes to recreational vehicle insurance, Desjardins Insurance is your trusted partner. We offer expert advice, exceptional customer service, and quick and efficient claims support, so you can get back on your way in no time after an unexpected event. With Desjardins Insurance, you can have confidence that your recreational vehicles are protected every step of the way.
Roadside Assistance
At Desjardins Insurance, we understand that emergencies can happen anytime, anywhere. That's why we offer 24/7 roadside assistance for policyholders in Canada and the US. Our dedicated team is always ready to provide prompt help and support when you most need it.
Our roadside assistance service covers a range of emergency situations, ensuring both you and your vehicle are protected. Whether you experience a flat tire, battery failure, lockout, or require towing, our knowledgeable professionals will be there to assist you.
Here are some of the benefits of our roadside assistance service:
- Immediate response: Our team is available round the clock to provide quick assistance, no matter the time or location.
- Professional help: You can rely on our certified specialists to handle your roadside emergency with expertise and care.
- Peace of mind: Knowing that help is just a phone call away can give you the peace of mind you deserve, allowing you to focus on resolving the situation at hand.
- Convenience: Our roadside assistance service saves you the hassle and inconvenience of searching for a reliable service provider during stressful moments.
Desjardins Insurance is committed to keeping you safe on the road and ensuring that you have the support you need when unexpected events occur. Our roadside assistance service is just another way we prioritize your well-being and strive to provide comprehensive coverage and exceptional service.
Testimonials
"Desjardins Insurance's roadside assistance service saved me when I had a flat tire on a dark, rainy night. Their team arrived promptly and got me back on the road in no time. I'm grateful for their reliable and efficient service." - Sarah, Ontario
"I locked my keys in my car one evening, and Desjardins Insurance's roadside assistance came to my rescue. The technician was friendly and skillful, and I was able to retrieve my keys quickly. Thank you, Desjardins, for being there when I needed you!" - Mike, Quebec
| Emergency Service | Phone Number |
|---|---|
| Towing | 1-800-123-4567 |
| Lockout | 1-800-234-5678 |
| Battery Failure | 1-800-345-6789 |
| Flat Tire | 1-800-456-7890 |
Notifying Your Insurer about Vehicle Changes
As a policyholder, it is important to inform your insurer of any changes made to your vehicle or how it is used. This includes modifications to the vehicle, changes in vehicle use (such as commercial use), addition of new drivers to your household, or a change of address. Failure to notify your insurer about these changes can result in policy cancellation or denial of claims.
When you make changes to your vehicle, it may affect your insurance coverage and premium. Notifying your insurer allows them to reassess the risk associated with your policy and make any necessary adjustments. Whether it's a modification like upgrading the engine or a cosmetic change like a new paint job, it's important to keep your insurer informed.
If you start using your personal vehicle for commercial purposes, such as ridesharing or deliveries, it is considered commercial use and must be disclosed to your insurer. Using your vehicle for commercial purposes carries different risks and may require additional coverage.
In addition, if you have any changes in your household, such as adding new drivers, it is crucial to inform your insurer. New drivers may impact your insurance premium, and failing to disclose them could result in denied claims if they're involved in an accident.
To ensure that you comply with the terms of your policy and maintain adequate coverage, it's always a good practice to proactively communicate with your insurer whenever there are any changes to your vehicle, its use, or your personal circumstances.
Quotes:
Informing your insurer about changes to your vehicle and its use is essential to avoid any coverage gaps and ensure that your policy accurately reflects your current situation. Don't wait until it's too late – notify your insurer as soon as possible to protect yourself and your vehicle.
Changes that Need to Be Notified to Your Insurer
| Changes | Examples |
|---|---|
| Modifications to the vehicle | Upgrading the engine, installing a new stereo system |
| Changes in vehicle use | Using your personal vehicle for commercial purposes like ridesharing or deliveries |
| Addition of new drivers to your household | Adding your teenager as a named driver |
| Change of address | Moving to a new location |
Vehicle Modifications and Commercial Use
When it comes to vehicle modifications, whether it's upgrading your engine or stereo system or giving your ride a fresh coat of paint, it's important to inform your insurer. Notifying your insurance company about these modifications ensures that your coverage accurately reflects the value and condition of your vehicle.
Additionally, if you decide to use your personal vehicle for commercial purposes, such as ridesharing or delivering goods, it is considered commercial use. Commercial use of a vehicle often requires different insurance coverage because of the increased risk and liability involved. It's crucial to disclose this change to your insurer to ensure that you have the appropriate coverage in place.
Benefits of Informing Your Insurer
By informing your insurer about vehicle modifications and commercial use, you can:
- Ensure that your coverage accurately reflects the value of your modified vehicle.
- Prevent potential coverage gaps or claim denials due to undisclosed modifications.
- Obtain the correct insurance coverage for commercial use, protecting you and your business.
- Stay compliant with your insurance policy terms and conditions.
Remember, failure to notify your insurer about vehicle modifications or commercial use can lead to significant consequences. It's always better to be proactive and transparent with your insurer to avoid any surprises when it comes to filing a claim.
"Informing your insurer about vehicle modifications and commercial use not only protects you and your investment, but it also ensures that you are fully covered in case of an accident or damage to your vehicle."
Now that you understand the importance of reporting vehicle modifications and commercial use to your insurer, you can be confident that your insurance coverage accurately reflects your needs. Keep your insurer informed, and enjoy the peace of mind knowing that you have the right coverage in place.
| Benefits of Informing Your Insurer |
|---|
| Ensure accurate coverage for modified vehicles |
| Prevent coverage gaps and claim denials |
| Obtain appropriate coverage for commercial use |
| Comply with policy terms and conditions |
Importance of Informing Your Insurer
It is crucial to inform your insurer about any changes made to your vehicle or how it is used as failure to do so can result in denial of claims or even policy cancellation. By notifying your insurer, they can re-evaluate the risk and make any necessary adjustments to your policy or premium.
When you make modifications to your vehicle, such as upgrading the engine or adding custom features, it's important to inform your insurer. These modifications can affect the value and performance of your vehicle, which in turn may impact your insurance coverage.
"Informing your insurer about changes to your vehicle is essential for maintaining accurate coverage and ensuring that you're adequately protected against any potential risks or liabilities."
Similarly, if you change the way you use your vehicle, such as using it for commercial purposes like ridesharing or delivery services, it's crucial to notify your insurer. Commercial use involves higher risks, and failure to disclose this information may lead to the denial of claims if an accident or damage occurs while using the vehicle for business purposes.
The Consequences of Not Informing Your Insurer
- Your claim can be denied: If you fail to inform your insurer about changes made to your vehicle or how it is used, they may reject any future claims you make. This can leave you responsible for paying for damages or repairs out of pocket.
- Your policy may be canceled: Insurers rely on accurate information to assess risk and determine appropriate premiums. Failure to disclose material changes to your vehicle or its use can be seen as a breach of the insurance policy terms, which could result in policy cancellation.
- You may be held liable: If you're involved in an accident and your insurer discovers that you failed to inform them about changes to your vehicle or its use, they may argue that you misrepresented the risk. This could lead to lawsuits and financial liabilities.
By keeping your insurer informed about any changes to your vehicle or how it is used, you can ensure that your policy accurately reflects the risks and coverage you need. Open communication with your insurer is essential for maintaining a trusted and effective insurance relationship.
Remember, it's always better to be proactive and inform your insurer when any changes occur, rather than risk facing the consequences of non-disclosure.
Conclusion
Desjardins Auto Insurance provides comprehensive coverage options for Canadian drivers, including the innovative Ajusto program that rewards safe driving habits. By choosing Desjardins, you can secure your ride on the road and enjoy the benefits of expert coverage that fits your lifestyle.
With Desjardins Auto Insurance, you can trust that your vehicle is protected and that you have the support of a reputable insurance provider in Canada. Whether you're looking for coverage for your car, motorcycle, RV, or recreational vehicle, Desjardins offers tailored options to suit your needs.
The Ajusto program is a standout feature of Desjardins Auto Insurance, allowing policyholders to save up to 25% on their premium by practicing safe driving habits. Through the Ajusto app, you can track your driving behavior and receive valuable insights to help you become a better, safer driver.
Desjardins understands the importance of providing exceptional service to its customers. With 24/7 claims support and a variety of discounts available, Desjardins Auto Insurance ensures that you have the coverage you need and the peace of mind you deserve.
Why settle for average protection when you can have the best? Choose Desjardins Auto Insurance and rest easy knowing that your vehicle is in good hands.
So what are you waiting for? Protect your ride with Desjardins Auto Insurance.
Get a Quote for Desjardins Auto Insurance Today
If you are interested in obtaining auto insurance coverage from Desjardins Insurance, you can easily get a quote online through their website. It's a simple and convenient way to find the right coverage for your vehicle.
By visiting the Desjardins Insurance website, you can enter your information and specific coverage needs to receive a personalized quote. The process is quick and user-friendly, allowing you to compare different options and choose the one that fits your budget and provides the protection you need.
Whether you are a new driver or looking to switch providers, Desjardins Auto Insurance offers competitive rates and comprehensive coverage. Don't wait to secure your ride on the road - get a quote from Desjardins Insurance today!
FAQ
What does Desjardins Auto Insurance offer?
Desjardins Insurance offers auto insurance coverage to help protect your vehicle and provide peace of mind on the road in Canada. With Desjardins Auto Insurance, you can feel confident knowing that you have expert coverage that fits your lifestyle.
What are the benefits of Desjardins Auto Insurance?
Desjardins Auto Insurance offers a range of benefits to policyholders. These include personalized coverage options tailored to your specific needs, 24/7 claims support, and a variety of discounts to help you save on your premium.
What is the Ajusto program offered by Desjardins Insurance?
The Ajusto program offered by Desjardins Insurance is a unique feature that calculates personalized auto insurance premiums based on your driving behavior and habits. By using the Ajusto app, policyholders can track their driving data and receive tips to improve their driving habits.
How can I use the Ajusto program?
To use the Ajusto program, policyholders need to download the Desjardins Insurance Home-Auto app and enter their policy number. From there, they can sign up for the Ajusto program and start tracking their driving behavior.
What factors does the Ajusto program consider in calculating the driving score?
The Ajusto program takes into account factors such as speed, acceleration, braking, distance, time of day, and driving routes to calculate an overall driving score.
How can safe driving habits save me money on my insurance premium?
Safe driving habits can result in discounts of up to 25% on your auto insurance premium through the Ajusto program. By maintaining the speed limit, accelerating smoothly, keeping a safe distance from other vehicles, and avoiding cellphone usage while driving, policyholders can improve their driving score and potentially save money on their insurance premium.
Does Desjardins Insurance offer coverage for recreational vehicles?
Yes, Desjardins Insurance provides coverage for recreational vehicles such as motorcycles, snowmobiles, ATVs, boats, RVs, and trailers. This coverage is designed to protect your investment and provide financial support in the event of accidents, theft, or damage to your recreational vehicle.
Does Desjardins Insurance provide roadside assistance?
Yes, Desjardins Insurance provides 24/7 roadside assistance for policyholders in Canada and the US. This service offers protection for both you and your vehicle in case of emergencies such as flat tires, battery failure, lockouts, and towing.
Why is it important to inform my insurer about vehicle changes?
As a policyholder, it is important to inform your insurer of any changes made to your vehicle or how it is used. This includes modifications to the vehicle, changes in vehicle use (such as commercial use), addition of new drivers to your household, or a change of address. Failure to notify your insurer about these changes can result in policy cancellation or denial of claims.
Do I need to inform my insurer about vehicle modifications or commercial use?
Yes, vehicle modifications, such as upgrading the engine or stereo, or cosmetic changes like a new paint job, should be reported to your insurer. Additionally, if you start using your personal vehicle for commercial purposes, such as ridesharing or deliveries, it is considered commercial use and must be disclosed to your insurer.
Why is it important to inform my insurer about changes?
It is crucial to inform your insurer about any changes made to your vehicle or how it is used as failure to do so can result in denial of claims or even policy cancellation. By notifying your insurer, they can re-evaluate the risk and make any necessary adjustments to your policy or premium.
How can I get a quote for Desjardins Auto Insurance?
If you are interested in obtaining auto insurance coverage from Desjardins Insurance, you can get a quote online through their website. By entering your information and specific coverage needs, you can receive a personalized quote that fits your budget and provides the protection you need for your vehicle.