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Optional auto insurance coverage

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Your customized coverage. Desjardins Insurance offers optional car insurance coverage that suits your needs. Only choose the ones that are right for you!

5-Year New Vehicle Protection

Do you have a new vehicle?

This coverage protects your vehicle against depreciation for up to 5 years.

  • In the event of a total loss, your vehicle will be replaced with a new vehicle
  • In the event of a partial loss, your vehicle will be repaired with new parts

Removing Depreciation Deduction
(Endorsement 43A)

Do you have a new vehicle?

If you buy or lease a new car, your car will be replaced within the first 2 years if it is:

  • stolen (and not recovered), or
  • written off in an accident

Trouble-Free Option®

Want the most popular coverages?

Benefit from a special package that combines the most popular optional coverage which are:

  • Loss of Use
  • Liability for Damage to Non-Owned Automobiles
  • Emergency Road Service*

*Emergency Road Service: We will reimburse up to a maximum of $50 per occurrence for towing and emergency service expense necessitated by the disablement of the automobile. Receipts of expenses and acceptable evidence of loss must be provided. Costs associated with parts or supplies, fuel, oil, batteries or tires are not included.

Liability for Damage to Non-Owned Automobiles
(Section A – Endorsement 27)

Do you often rent a car when you travel?

Provides coverage in the event that you damage a short-term rental or borrowed automobile anywhere in Canada or the United States.

  • Rental vehicle must be for personal use
  • Depending on the type of vehicle you rent, you may not need the insurance offered by the rental company
  • This coverage is included in the Trouble-Free Option®

Transportation Replacement
(Section B - Endorsement 20)

Do you need a replacement vehicle because your car was stolen or in an accident?

Provides coverage for transportation replacement costs if your vehicle is no longer drivable after a loss or damage covered by your policy. With this coverage, you get reimbursed for:

  • A rental replacement vehicle
  • Taxi or public transit fare while your vehicle is being repaired or replaced following loss or damage covered by your policy

$0 deductible

Want to avoid paying a deductible?

With this coverage, no deductible payment is required when you make a claim

  • In the event of theft, vandalism or an at-fault accident

Accident-Free Protection

Want to avoid higher premiums in case of an at-fault accident?

Your premium won’t increase on your first at-fault accident as long as the Accident-Free Protection remains on your car insurance policy.

Learn more

Get the big picture—check out our standard auto insurance coverages.

  • The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
  • ® Registered trademark of Desjardins General Insurance Group Inc.

See how easy it is to get the right coverage with Desjardins Insurance!

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