Desjardins Assurances Auto Review 2026 — Auto & Home Insurance QC
Our Verdict
Desjardins Assurances Auto is a solid and reliable choice for Quebecers, notably thanks to its broad coverage and its Ajusto telematics program.
The coverage offered is comprehensive — replacement value protection, replacement vehicle — and the 24/7 claims service is reassuring. The Ajusto telematics program is a real savings lever for careful drivers, as are the multi-risk discounts. On the other hand, with Ajusto, a driving score below 60 can raise the premium by up to 20%.
Coverage Summary
Desjardins offers an online auto insurance quote. Bundling auto and home insurance can save up to $1,000, and the no-violation discount reaches up to 10%. The Ajusto program grants a 10% enrolment discount for the first 6 months, then a personalized premium that can drop by up to 25% or rise by up to 20% depending on driving.
Detailed Scores
| Criterion | Score | Weight | Comment |
|---|---|---|---|
| AMF compliance | 7/10 | 5 % | Insurer of Desjardins Group, the largest cooperative financial group in Canada. |
| Coverage breadth | 8/10 | 20 % | Broad coverage included, replacement value protection available, replacement vehicle. |
| Digital experience | 7/10 | 10 % | Desjardins Assurances Auto-habitation app (4.3/5 on the App Store, 4.2/5 on Google Play): insurance management and online claims. |
| Discounts & loyalty | 8/10 | 5 % | Ajusto program (telematics, 10% enrolment discount for the first 6 months), auto + home bundling, no-violation and multi-vehicle discounts. |
| Reputation & reviews | 7/10 | 5 % | App rated 4.3/5 on the App Store and 4.2/5 on Google Play. |
| Claims service | 8/10 | 20 % | 24/7 claims reporting, dedicated service, online tracking. |
| Pricing & premium | 6/10 | 25 % | Online quote; auto + home bundling discount; with Ajusto, the premium can go down or up depending on driving. |
| Pricing transparency | 8/10 | 10 % | Online FAQ on cancellation; fees may apply when cancelling before the expiry date. |
Strengths
- Broad coverage including replacement value protection and replacement vehicle
- Ajusto telematics program offering concrete discounts to good drivers
- Claims service available 24/7
- Discounts for bundling auto + home, a no-violation discount of up to 10% and a 15% discount per car for two cars or more
Weaknesses
- With Ajusto, a driving score below 60 can raise the premium by up to 20%
- Fees may apply if you cancel your policy before its expiry date
Who Is It For?
- Desjardins members who want to bundle auto and home insurance to maximize discounts
- Careful drivers ready to adopt Ajusto telematics to reduce their premium
- Quebecers attached to the cooperative model and to a locally rooted insurer
- Policyholders who value documentary transparency and clarity of coverage terms in French
- Owners of recent vehicles who want replacement value protection
Not Ideal For…
- Riskier drivers enrolled in Ajusto, whose premium can go up by as much as 20%
Alternatives
- Intact Assurance — Described by Intact as the largest auto, home and business insurer in the country, with a mobile app rated 4.5/5 on the App Store.
- Belairdirect — Direct insurer, a subsidiary of Intact Financial Corporation, whose online auto insurance quote is advertised as taking 5 minutes.
- La Personnelle — Group insurer, a brand of Desjardins General Insurance Group, which negotiates agreements with companies, associations and professional orders to offer advantageous rates to their members.
How this review was conducted
This review is a documentary assessment. It is based on Desjardins Assurances Auto's public interface, its published pricing and publicly available information, as recorded on 2026-06-01. No field test was carried out: no subscription, no purchase and no exchange with customer support took place. Some items were checked again on 2026-10-04 against the official pages cited. Pricing and terms change: check them on Desjardins Assurances Auto's own site before you decide.
The evaluation was conducted by the editorial team based on public documentation available on desjardins.com. No actual policy was taken out as part of this test.
This insurance product is distributed under the regulation of the Autorité des marchés financiers (AMF) of Québec. See our AMF disclosure page for more information.
Pricing information is indicative — verify current terms on the provider's website before subscribing. Affiliate disclosure.
