Desjardins General Insurance: A Comprehensive Guide

Desjardins General Insurance is a popular choice for Canadians looking for reliable coverage. It's a subsidiary of Desjardins Group, one of Canada's largest financial cooperatives.

Desjardins General Insurance has been around since 1957, offering a wide range of insurance products to its customers.

The company has a strong presence in Canada, with a network of agents and brokers across the country.

With over 60 years of experience, Desjardins General Insurance has built a reputation for providing excellent customer service and competitive premiums.

Desjardins General Insurance has a rich history that spans over seven decades. In 1944, the company's first subsidiary was created under the name of "Société d'assurance des caisses populaires (SACP)", which is now rebranded as Desjardins General Insurance.

The company's founders had a bold vision to meet the needs of their members and themselves by offering a single-contract that protected against various risks. This contract provided protection against fire, hold-ups, burglaries, and write-offs.

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In 1987, Desjardins General Insurance underwent a significant transformation by launching direct insurance. This move was a game-changer for the company, but it also faced controversy as it affected the traditional brokerage network.

The company's financial struggles led to a complete overhaul of their business model, which ultimately saved their insurance company. They had to go to court to defend their rights and prove that their new model was valid.

By 2008, Desjardins General Insurance had expanded its services to include the Ontario sector, offering home and auto insurance to a wider range of customers. This expansion marked a significant milestone for the company, demonstrating its commitment to growth and customer satisfaction.

In 2014, Desjardins Group acquired the Canadian operations of State Farm, becoming the second-largest property and casualty insurer in Canada. This acquisition brought a significant boost to the company's portfolio and customer base.

The acquisition of State Farm Canada's operations also brought with it a new challenge: rebranding the company's services. On May 1, 2018, Desjardins officially started a campaign to rebrand State Farm Canada as Desjardins Insurance Agents.

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Desjardins offers a range of optional car insurance coverages to enhance your basic policy. These include comprehensive coverage for non-collision related risks, collision/upset coverage for vehicle damage due to a collision, and family protection for injury or death related expenses caused by an underinsured driver.

Some optional coverages are designed to provide financial protection in specific situations, such as the $0 deductible option, which waives your deductible in the event of theft, vandalism, or an at-fault accident. The 5-year new vehicle protection ensures you're paid out the replacement cost of your vehicle during a total loss claim in the first five years.

If you're looking to add extra protection to your car insurance policy, consider the following optional coverages:

Desjardins also offers a range of optional home insurance coverages to provide additional protection for your property. These include ground water/sewer back-up coverage for property damage due to leakage, overflow, or back-up from sewers and septic tanks.

Optional coverages can provide an extra layer of protection for your assets. Desjardins offers various optional enhancements for both car and home insurance policies.

For car insurance, you can consider adding comprehensive coverage to protect against non-collision related risks, such as theft or vandalism. This coverage can be a lifesaver if your vehicle is damaged or stolen.

Collision or upset coverage is another important optional coverage for car insurance. It covers damage to your vehicle due to a collision, which can be costly to repair.

Family protection coverage provides additional financial security in the event of an underinsured driver causing an accident. This coverage can help ensure that you're not left with a large bill.

Desjardins also offers a $0 deductible option, which waives your deductible in the event of theft, vandalism, or an at-fault accident. This can be a huge relief if you're involved in an accident.

Here are some optional coverages offered by Desjardins for car insurance:

For home insurance, Desjardins offers a range of optional coverages to protect against various risks. Ground water/sewer back-up coverage, for example, protects against property damage due to leakage, overflow, or back-up from sewers and septic tanks.

Overland water or flood insurance covers loss or damage due to overflowing water, such as a dam break or rising sea levels. This is an important coverage to consider if you live in a flood-prone area.

Rain, snow, or sleet coverage protects against water damage to your property due to weather patterns. This can be a costly and time-consuming repair if you're not prepared.

Here are some optional coverages offered by Desjardins for home insurance:

Desjardins Insurance can be a good option, but it ultimately depends on your individual needs. The best provider for you will be the one that offers the coverage you require at the best rate possible.

You can find cheap car or home insurance in under five minutes by comparing rates from Canada's top providers.

Desjardins offers a wide range of auto insurance policies for various types of vehicles in Canada, including cars, vans, trucks, SUVs, motorcycles, ATVs, RVs, boats, and snowmobiles.

You can customize your auto insurance policy with Desjardins to suit your unique needs by adding optional enhancements and specialty programs.

Desjardins auto insurance policies can be tailored to fit your lifestyle with various auto coverages and insurance discounts available.

Here are some types of vehicles you can insure with Desjardins:

Desjardins offers a range of home insurance options, including specialty programs, home coverages, and insurance discounts.

You can customize your home policy with optional enhancements to ensure you're properly protected against unique risks.

Desjardins also provides home insurance quotes, condo insurance quotes, and tenant insurance quotes, making it easy to compare and find the right coverage for your needs.

Here are some ways to get started with Desjardins home insurance:

You can save money on your home insurance with Desjardins by taking advantage of their various discounts.

If you bundle your home insurance with Desjardins' auto insurance, you can save up to 35% off with the multi-line discount.

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Having a claims-free history can earn you a 10% discount on your home insurance.

Installing an automatic water valve shut-off system or a pneumatic backflow system can qualify you for a 10% water damage prevention discount.

A centrally monitored alarm system can save you up to 10% with the alarm system discount.

Owning a certified LEED home can also earn you a 10% discount with the LEED-certified building discount.

Here's a summary of the discounts you can get with Desjardins:

With Desjardins home insurance, you can customize your policy with optional enhancements to ensure you're properly protected against unique risks. Specialty programs, home coverages, and insurance discounts are all available to give you peace of mind.

Desjardins offers various discounts for homeowners and renters in Canada, including a multi-line discount if you bundle your home and auto insurance, saving up to 35% off. You can also qualify for a claims-free discount if you don't have any recent claims, saving up to 10% off.

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Desjardins home insurance also offers a water damage prevention discount if you have an automatic water valve shut-off system, leak detectors with connection to a centrally monitored alarm system, or a pneumatic backflow system, saving up to 10% off. This is a great way to protect your home from costly water damage.

Here's a quick rundown of the discounts you can qualify for with Desjardins home insurance:

By taking advantage of these discounts, you can save money on your home insurance premiums and have more peace of mind knowing you're properly protected.

Choosing the right partners is crucial for success, as seen in the partnership between Desjardins General Insurance, Microsoft, and EIS. This collaboration makes integration easy due to their existing use of Microsoft Azure.

Trust and cooperation are essential components of any business relationship, especially in an insurer-technology vendor relationship. Desjardins, Microsoft, and EIS have a strategic and cooperative partnership, not just a tactical one.

The partnership provides EIS with access to partner resources, enabling the solution and helping them understand Microsoft's roadmap. This allows EIS to develop a plan to take advantage of enabling technologies for up to 10 years.

Desjardins Group, a leading insurer, has partnered with Microsoft and EIS to take their business to the next level. This partnership is built on trust and cooperation, with all parties working together to achieve common goals.

The partnership was a no-brainer for Desjardins, as they were already using Microsoft Azure for their office suite and services. This made integration easy and seamless.

EIS has access to partner resources that help from a technology perspective and enable the solution. This enables EIS to develop a plan that takes advantage of enabling technologies for up to 10 years.

Desjardins shares information with Microsoft and EIS, keeping them informed about their plans and needs. This helps the partners anticipate upcoming needs and support Desjardins proactively.

The partnership is strategic and cooperative, not just tactical. This means that all parties are working together to achieve long-term goals, rather than just focusing on short-term gains.

The pandemic changed everything, and for insurance organizations, it was a wake-up call to adapt quickly. COVID-19 forced them to operate remotely, and those who couldn't pivot to a new model were left behind.

Cloud-native platforms have been a game-changer for carriers, enabling them to operate seamlessly on large-scale projects even from remote locations. McKinsey advises leaders to accelerate their journey to the cloud to digitize quickly and effectively.

The cloud can help deploy new digital customer experiences in days, not months, and support analytics that were previously uneconomical or impossible. McKinsey emphasizes the importance of coordinating around the business-driven value cloud can bring to an organization.

Cloud-native technologies provide game-changing business value to insurers, helping them innovate and operate like tech companies. Moving core systems to the cloud can improve claims and underwriting processes, boost fraud detection, and optimize the customer experience.

The pandemic showed us that being prepared for disruption is key, and moving core systems to the cloud can help insurers stay ahead of the game.

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At Desjardins General Insurance, you can protect your personal and business vehicles with the right coverage. Protecting your commercial vehicles against losses like collision, theft, and vandalism can help you avoid financial losses.

You can also get coverage for your personal vehicles, which can give you peace of mind on the road.

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Commercial insurance is a must-have for any business owner. Protecting your commercial property against fire, theft, water damage or other losses is crucial to avoid financial setbacks.

Business property and liability insurance can cover accidental bodily injury or property damage caused to a third party, giving you peace of mind.

This type of insurance can be tailored to fit your specific business needs, whether you own a small shop or a large warehouse.

Commercial vehicle insurance is also essential for businesses that rely on vehicles for transportation. Protect against losses such as collision, theft and vandalism to keep your business running smoothly.

Having the right insurance coverage can save you from costly repairs and lawsuits, allowing you to focus on what matters most – running your business.

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The Personal is a Canada-based property and casualty group insurer that specializes in home insurance and auto insurance. They were founded in 1974 and have been a subsidiary of Desjardins General Insurance ever since.

The Personal is known for its high customer satisfaction, with 96% of respondents saying they are satisfied after making a claim. This is a testament to their commitment to providing excellent service.

They have a unique approach to insurance, offering group exclusive rates to over 700 public and private organizations, professional orders, and unions across Canada. This has made them a popular choice for many groups.

The Personal was the first to apply the concept of group insurance to cars and homes, a move that was revolutionary in 1974. This innovative approach has since been adopted by others in the industry.

Their partnership with the Centrale de l'enseignement du Québec (CEQ) in 1986 marked the official start of the history of group P&C insurance in Quebec. This agreement was a significant milestone for The Personal.

When you're running a business, it's essential to have a financial safety net to protect you and your loved ones.

Loan insurance can give you peace of mind, covering your business loans in case of death or disability. You can choose an amount to insure on your business line of credit, and we'll cover that amount if something happens.

Having loan insurance can provide financial security for your business, allowing you to focus on what matters most - growing your business and achieving your goals.

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Desjardins General Insurance is available to Canadians living in specific provinces.

You can purchase auto and home policies on the Desjardins general insurance website if you reside in Alberta, Ontario, or Quebec.

Desjardins Insurance agents are also accessible in Ontario, Alberta, and New Brunswick.

If you're planning to buy a policy, it's a good idea to check which services are available in your area.