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Top Questions
Who can use Online Client Services?
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
Can I Let My Friend Drive My Car? Will He or She Be Covered?
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.
What Is Proof of Loss?
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.
A Proof of Loss form must be certified by a notary public or commissioner of oaths. Once an insurer receives proof of loss, the claim must be processed quickly. Insurers have:
- seven days to declare their intention to repair or replace the article, or to repair the damage
- sixty days to either pay compensation or reject the claim
To find out more about how a home insurance claim is handled, read Our Claims Process.
What does the "Communication History" in your Online Client Services refer to?
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.
How Do Claims and Convictions Affect my Premium?
Generally speaking, your premium will increase if you’re at fault in an accident, regardless of whether you’re entirely or partially at fault. Tickets and convictions can also affect your premium, depending on the type of offense.
The number of at-fault claims, as well as the number of convictions, and/or the type of conviction (such as impaired driving) that you receive may also impact your eligibility for insurance.
For tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.
Why should I regularly update my property insurance policy?
You should tailor your home insurance policy to any change in your life. Update it regularly in order to:
- Receive coverage that suits your actual needs
- Benefit from the fairest and most equitable premium
- Avoid unpleasant surprises in the event of a claim
Call an agent to discuss any changes that could affect your insurance premium:
- Alarm system installation
- Change in your smoker/nonsmoker status
- Major renovations (e.g., finishing your basement, putting an addition on your home, etc.)
- Acquisition of highly valuable items (e.g., jewelry, paintings, antiques, etc.)
Also take the opportunity to update your home inventory. In the event of a claim, you will have all the information you need about your current possessions.
To determine your home insurance needs, read Choosing the Right Kind of Home Insurance.
What are the advantages of the online home insurance quote?
Our home insurance quote tool is designed to let you know what premium you would be paying and how much you could be saving. It’s quick, easy and commitment free.
To get the most accurate quote possible, please answer all the questions; your answers to each one has an impact on the premium.
To save time, make sure you have the following information handy:
For owners
The reconstruction cost of your home
The year of construction of your home
The year the roof was renovated
The year the fuel-oil tank was installed or manufactured (if applicable)
The square footage
For tenants
An inventory of your belongings
What benefits does Desjardins General Insurance offer its clients?
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.
What Is Water Damage Insurance?
Water damage insurance covers damages caused by surface or ground water.
Our basic coverage is $10,000; however, you can increase this amount for a higher premium.
How much insurance do I need?
To calculate how much insurance you really need, you should estimate the value of all your property and investments that could be damaged if you experience a loss.
Bear in mind that your insurance amount includes not only damage to your home and belongings, but also additional living expenses arising from the loss.
In some cases, $10,000 is plenty. In others, more coverage is definitely necessary.
If you’re already a customer, contact us agent for helpful advice on water damage coverage. If not, request a home insurance quote. It's quick, easy and commitment free.
You can also request a quote over the phone simply by contacting us
What Is a Material Change in Risk? How Does It Impact My Policy and Claims?
As a policy holder, you are responsible for informing your insurer of any changes made to your vehicle and/or how it is used. This includes things like vehicle modifications, changes in vehicle use (for example, commercial use), the addition of newly licensed drivers to your household, a change of address, etc.
A vehicle modification includes:
- Performance-related modifications, such as upgrading the engine
- Electronic modifications, such as upgrading the stereo
- Cosmetic modifications, such as tinting the windows
Commercial use means any change in use where the insured vehicle is now used for commercial purposes. For example, if you recently became a painter and you started using your mini-van to carry your paint and equipment, this would be considered commercial use.
You should always notify your insurer when any material change, as outlined above, is made to your vehicle. The risk of this change will be re-evaluated and may result in a premium adjustment. If you make any of the changes described above but don’t inform your insurer, the insurer can decide to deny your claim, and may even cancel or void your policy. For example, if you modify your vehicle to give it a turbocharged engine and you end up crashing, you’ll most likely be refused coverage for violating your insurance contract.
Note: If your vehicle has been modified because of a medical condition, you should still notify your insurer.
Read other questions and answers about auto insurance.
Can I access Online Client Services using my AccèsD account?
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.
What Should I Do in the Event of Water Damage, Fire, or Theft?
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.
Can I make a claim online?
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.
By Law, What Coverages Must I Have?
To drive a vehicle, you must have the following, minimum insurance coverage:
Third Party 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 $200,000 in liability coverage, but most people choose a limit of $1,000,000 or $2,000,000.
Accident Benefits
This coverage protects you if you or someone in your family is injured or killed in an accident, whether it’s your fault or not. It includes supplementary medical, rehabilitation, attendant care, caregiver, non-earner, and income replacement benefits.
Direct Compensation Property Damage (DCPD)
This coverage protects you for damage to your car in an accident that’s not entirely your fault. It’s called Direct Compensation because instead of recovering damages from someone else’s insurance company, you deal directly with us.
For example, if you’re at fault for 50% of an accident, the DCPD covers you for half of the repairs. The other half is covered by the optional Collision portion of your policy, if you bought this coverage. In such an accident, you would also have to pay for half of your deductible.
Uninsured Motorist
This coverage protects you and your family if you’re injured or killed by a hit-and-run driver, or by the driver of an uninsured or unidentified automobile.
It also covers your automobile and its contents for damage caused by an identified, uninsured motorist, and it is subject to a deductible.
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.
Where Are Your Offices Located?
Our offices are located in Mississauga, Ontario.
Mailing address
Desjardins General Insurance
P.O. Box 7065, Station A
Mississauga, Ontario L5A 4K7
The Last Premium I Got Was Really High. How Can I Reduce It?
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.
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