Home and car insurance renewal
Is your insurance renewing soon? We’re here to help you understand the factors affecting your premium and get the right coverages at the best price possible.
How to renew your insurance in 4 steps
1. Read your renewal notice
Expect a letter or email from us about 60 days before your home or car insurance policy expires.
If you've opted to go Paper-Free, you can view your renewal policy in Online Services.
2. Look over your new insurance policy
Log in to your online account to see your insurance policy. You can also use your Desjardins Insurance Home-Auto app. Look for Renewal – Insurance policy (PDF).
If needed, you can update your personal information under Profile in Online Services.
3. Re-think your insurance needs
Renewal is the right time to review your situation to make sure your insurance still meets your needs.
Ask yourself the following questions:
- Have my circumstances changed? You may have moved or made modifications to your home, for example.
Do I need to remove or add coverage?
Am I open to adjusting my deductibles to reduce my premium?
Your circumstances have changed?
Contact us so we can review your file together to make sure the coverages and deductible amounts are still right for you.
4. Renew your insurance policy
Paying by pre-authorized payments?
Your new pre-authorized payments will continue as before.
Paying by cheque?
Send your payment before the due date indicated on your policy.
What factors affect your home and car insurance rates?
Chances are, your premiums aren't the same as last year, and you're not alone. Insurance costs have generally changed across the country. Let's look at what affects your insurance premiums.
Car insurance
General factors affecting premiums
Frequency of accidents in your area
Frequency of car thefts in your area
Cost of parts and labour
Personal factors
- Claims history
How well you drive (your driving record)
Moving
How you use your car
Adding a driver to your policy
What make and model car you drive
Whether you’ve installed an anti-theft tracking device
Home insurance
General factors affecting premiums
More claims from extreme weather events like ice storms, floods, strong winds
Increase in building material costs
Frequency of theft or vandalism in your area
Personal factors
- Claims history
Moving
Making renovations or repairs
Having a new or aging roof
Installing a new pool or outdoor hot tub
The purchase of valuable items, such as artwork, jewelry or bicycles
Having a home security system
A new person living in your home
How to reduce your home and auto insurance costs
We're here to help you get a premium that makes sense for you. Think about these solutions:
- Letting us take care of all your coverage needs, and:
- Combining your home and auto insurance
- Adding another vehicle (2nd car, motorcycle or RV)
- Improving your driving habits with the Ajusto® program. With the enrolment discount, you save 10% on your car insurance for the first 6 months.
Go to note 1 - Adjusting your deductible amounts.
Don't hesitate to contact us for personalized advice. Our discounts and savings could lower your insurance price.
More great reasons to be a Desjardins member
- When you have insurance and a credit card or other financial product with us, you can:
- Put your BONUSDOLLARS® towards your premium.
- Get a Desjardins member dividend.
Frequently asked questions
Do I need to renew my home or car insurance every year if my circumstances haven't changed?
Your insurance policy generally renews every year; this means your vehicle or home is always covered. You only need to contact us if you would like to make a change.
How long does it take to renew my car or home insurance if my circumstances have changed?
Call times average up to 30 minutes but depend on customer service wait times and the details of your situation.
You can also write to us in Online Services, and we will get back to you.
What if I forgot to cancel my home and car insurance before the renewal effective date?
If you cancel after the policy's renewal effective date, you may have to pay a fee. But if you want to cancel your insurance on the renewal date—and you let us know on or before that date—you won't be charged any fees.
Contact us
By phone
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM
1-888-277-8726 Customer service number. This link opens your phone app.