Your Communication History is where you can find all messages related to your account.

All online requests and transactions are automatically saved in your Communication History.

Click on a specific message to view the details and any followup messages. You can also reply or add a comment to the last remark regarding the message.

If you’re already a customer but aren’t registered for Online Client Services, you can create an account right now.

If you lend your car, you also lend your insurance. If anything happens, your friend will be covered under your auto insurance policy, as long as he or she has a valid driver’s license and meets the other conditions of your policy.

If your friend is involved in an at-fault accident while driving your car, it could affect your premium.

If you lend your car to someone, remember that your auto insurance coverage may not apply if he or she does not have a valid driver’s license.

If you need to file a claim following a loss, your insurer will require proof of the loss.

This term refers to proof of possession, ideally, the original bill of sale. Other documents, however, may be accepted, such as:

• owners manual/operating instructions,
• appraisals
• warranty cards
• credit card or bank account statements, etc.

To find out more about how a home insurance claim is handled, read Our Claims Process.

A deductible is the amount you must pay when you make an insurance claim.

For example, if you have a $500 Collision deductible, you pay the first $500 of the vehicle repair costs, and we pay the rest.

To find out more about this topic, read The Impact of Your Deductible on your Premium.

Go immediately to your nearest dealer:

• VitroPlus
• Docteur du Pare-Brise
• Ram-Ko vitres d’autos
• PH Vitres
• Lebeau
• Du-Ro
• Centre Automod

If you are covered by an Auto Insurance policy with us, simply show your auto insurance certificate to the retailer and they will contact us to process your claim.

Get an online auto insurance quote.

If you experience a loss, take immediate steps to minimize the damage.

• In the event of water damage, cut off the water supply and move all furniture and damaged items to a dry place.
• In the event of theft, call your local police immediately.
• In the event of a fire, call the fire department right away. Even a small fire can spread quickly if it’s not brought under control.
• If there’s damage, one of our claims advisors can help you deal with the emergency and start the claims process.

You can minimize the risk of experiencing such a loss. To find out more, read Tips on Preventing Home Insurance Claims.

You can view and modify your home and auto insurance policies online. This service is available only to personal insurance customers.

Post-dated policies are not accessible through Online Client Services until they come into effect.

It depends on how much you increase them. The higher your deductible, the lower your premium.

If you choose Standard coverage, you can save hundreds of dollars on your auto insurance premium by increasing the Collision and Comprehensive deductibles.

To find out more about this topic, read The Impact of Your Deductible on your Premium.

Not only do you enjoy customized coverage for your car and home as a Desjardins General Insurance customer, you can manage your home and auto insurance online quickly and easily and benefit from a variety of assistance services 24/7.

Take charge of your insurance policy

You can use our Online Client Services to change your address or phone number, add a vehicle or a driver, or replace or store a vehicle. It only takes a few minutes and it’s available whenever you are.

Your request is sent directly to an agent, who processes the changes and sends you the modified policy by mail.

Take advantage of our assistance services

Emergency service: You can contact a claims advisor or report a loss through our Online Client Services at any time of the day or night.

Identity theft assistance: We offer free access to advice on preventing identity theft and help in re-establishing your identity in case of need.

If you’re already a customer but aren’t registered for Online Client Services, you can create an account right now.

If you’re a tenant and you’re moving to a new apartment, you can change your address entirely online using our Online Client Services.

Otherwise, you can start your change of address online and an agent will contact you afterwards for more information concerning your new home.

Please note that your change of address may affect your home or auto insurance premium.

If you’re already a customer but aren’t registered for Online Client Services, you can create an account right now.

Our agents are available to help you:

• Monday to Friday from 8 a.m. to 8 p.m.
• Saturdays from 8 a.m. to 4 p.m.
• You can contact us by phone, or at any time online.

This site is unquestionably an excellent source of information on home and auto insurance. Visit our Frequently Asked Questions section to quickly find answers to your questions about home and auto insurance, claims, and our company.

If you’d rather write to us

You can send us an email for general requests, i.e., if you would like to:

• Obtain a copy of your insurance policy
• Check the status of a claim
• Make a suggestion or comment

You will receive a reply the next business day. Please provide as much information as possible in your email (e.g., your insurance policy number if your question concerns your policy). This will help us meet your needs more quickly.

If you prefer to call us

You can call us regarding any specific matter concerning:

• A claim you’ve filed
• An home, auto, or business insurance quote
• A home insurance policy update

However you choose to contact us, we’ll do everything in our power to provide you with all the information you need as quickly as possible.

Believe it or not, reducing your auto insurance premium is up to you.

Here are some tips:

• Drive carefully.
• Get your auto insurance and home insurance with us. You could qualify for a multi-line discount.
• Choose a vehicle with low insurance rates. Generally speaking, the older the car, the cheaper the premium. Get an auto insurance quote and compare the rates for different vehicles.
• Choose a vehicle with low repair costs. It costs less to repair an economy-class vehicle than a luxury vehicle.
• Install a certified anti-theft system. We will reduce your auto insurance premium, no matter how old your vehicle is.
• Increase your Collision and Comprehensive deductibles. The higher your deductible, the lower your premium.
• If your vehicle is old, consider not including Collision and Comprehensive coverage in your auto insurance policy.

To make the right choices when purchasing auto insurance, read Choosing the Right Kind of Auto Insurance.

If you’re an AccèsD member, you can benefit from Online Client Services directly from your AccèsD account—your one-stop resource for managing your home and auto insurance as well as your personal finances.

How to register:

• Log on to AccèsD
• Select the Property Insurance tab
• Select Registration from the left menu
• Follow the steps on screen

Before you start, be sure to have your insurance policy number and the amount of your premium (before taxes) on hand.

If you make a claim, your claims advisor will need various documents, including:

• Receipts
• Proof of ownership (such as photographs, user manuals, and warranties)
• A list of damaged property

If one of your appliances causes water damage or a fire, it’s important for you to keep this appliance for assessment.

An inventory of your belongings could help prevent headaches in the event of a claim. To find out how to draw up an inventory, read Evaluating the Value of your Personal Belongings as Accurately as Possible.

You can pay by:

• Pre-authorized chequing (PAC)
• Cheque
• Credit card (Visa or MasterCard).

Our offices are located in Lévis, Québec. Our agents also operate through the Desjardins caisses in Quebec.

Mailing address

Desjardins General Insurance
Customer Service
6300, boul. de la Rive-Sud, C.P. 3500
Lévis (Québec) G6V 6P9

Yes, we can cover up to two roommates under the same home insurance policy.

However, if you and your spouse move in together, and you decide to share the apartment with another couple, each couple will need a separate home insurance policy.

To find out more about insuring an apartment, read Home Insurance Responsibilities for Renters and Owners.

You can inform us of a home or auto loss at any time of the day or night using our Online Client Services—it only takes a few moments.

Go to the claims section and complete the brief form. It will be transferred to a claims advisor, who will call you back for followup on the next business day.

If you’re already a customer but aren’t registered for Online Client Services, you can create an account right now.

Frost and the weight of ice or snow are just some of the factors that can damage your pool or spa.

Getting the Right Protection

By taking out a home insurance policy with us, you can supplement your basic insurance to cover:

• Your above-ground pool, including equipment and accessories, as well as attached patios that are not connected to the house
• Your in-ground pool or spa, including equipment and accessories, as well as attached patios that are not connected to the house

Get a home insurance quote

Complete an online home insurance quote. It’s quick, easy and commitment free.

You can also request a quote over the phone simply by contacting us.

If you’re getting a chip repaired, you won’t have to pay a deductible. In fact, your repair shop may even call us directly and take care of it all for you.

However, if you need to get glass replaced because of more serious damage, you will be subject to a deductible. So, it’s a good idea to get those small chips repaired before they grow into a much bigger problem.

Read more about repairing vs. replacing glass.

In 1944, the Société d'assurance des caisses populaires was created. In 1987, it became Assurances générales des caisses Desjardins.

The company was created to distribute home and automobile insurance through the caisses rather than through brokers.

In 2000, Desjardins General Insurance became a subsidiary of Desjardins General Insurance Group.

All home and auto policyholders can use our Online Client Services.

Is more than one person named on your insurance policy?

All named policyholders can access Online Client Services for this contract. Each insured must register for online services with a separate email address and password. Each person will have individual access to the same policy.

Do the members of your family have separate insurance policies?

To access Online Client Services, family members must create individual accounts with their own email address and password. The same email address cannot be used for different accounts. Only policyholders can access their policies through Online Client Services.

You can’t create an online account if:

• You pay for the auto or home insurance policy but are not a named policyholder
• You are a named driver but not a named policyholder
• You’re responsible for the insurance policy (for example, spouse, parent, family member), but you’re not a named policyholder

Yes, it’s the law.

• If you get caught driving without auto insurance in Canada, you’ll be fined.
• If you damage someone’s property, or you injure or kill someone and you are sued, you’ll have to pay for the damages in full.

Before you buy auto insurance, read our tips Compare and Choose Your Auto Insurance.

To drive a vehicle in Québec, you must have the following minimum insurance coverage:

Civil Liability

This coverage protects you if you’re involved in an accident and you damage someone’s property, or if you injure or kill someone. According to provincial law, you must have at least $50,000 in liability coverage, but most people choose a limit of $1,000,000 or $2,000,000.

Other coverage is optional, but is often required by insurers when you purchase or lease a vehicle. To find out more, read Choosing the Right Kind of Auto Insurance.

You can change your payment method through your online account, or by contacting us.

No more rummaging around for your insurance policy! Thanks to our Online Client Services, you can access your policies in just a few clicks whenever you choose.

You can also:

• Modify your policy (add a vehicle or a driver)
• Change your profile (change your address or phone number)
• Change your payment method
• File an auto or property claim

Our Online Client Services also include your communication history, where you can find all messages related to your account.

All online requests and transactions are automatically saved in your communication history. You can view message details and reply or add comments.

If you’re already a customer but aren’t registered for Online Client Services, you can create an account right now.

Where you live is one factor that affects the cost of your auto insurance.

Generally speaking, drivers who live in a city pay higher auto insurance premiums than those who live in the suburbs. There are several reasons for this:

• More traffic increases the risk of accidents.
• There's a higher risk of vehicle theft.
• Vandalism is more common.

For tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.

To get an auto insurance quote, use our online quote request form or contact us.

No

However, to keep yourself and your family safe, it is very important to have winter tires on your car from December 15 to March 15. Quebec winters can hold some nasty surprises, and you should be prepared.

What’s more, if you don’t comply with Bill 42, you are liable to be fined from $200 to $300.

For more information, see the new provisions applicable to winter tires in the Highway Safety Code.

You’re legally responsible for the damage if, for example:

• Your washing machine overflows
• You forget to turn off a tap and water overflows into the unit below

That’s why home insurance is a must for all tenants. It provides liability insurance for damages that you cause to someone or something in your building, or to the building itself.

Without this coverage, you’ll have to pay for the damages in full.

To better understand what your tenants insurance covers, read Home Insurance Responsibilities for Renters and Owners.

Here are a few tips to lower your home insurance premium:

• Install a centrally-monitored alarm system.
• Take preventive measures to lower the number of claims you make. For practical advice, visit the Insurance Bureau of Canada’s Web site.
• Insure your home and car with us.
• Make sure that no one in your household smokes.

For more tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.