iPhone Screenshots


Download the Desjardins Insurance Home-Auto app today and enjoy the benefits:

● Severe weather alerts from Radar™
● Alert—a free water and freeze detection system
● The opportunity to save on your auto insurance with Ajusto®
● Online access to your insurance file and claims

When there’s a threat of hail, high winds, heavy rain or any other severe weather that could damage your property, Radar will alert you. Radar from Desjardins Insurance sends you an alert when there’s a risk of severe weather for specific locations you want to keep an eye on.

Alert program
If you have home insurance with Desjardins, you could get a free water and freeze detector with the Alert program. If it detects a water leak or frozen pipe in your home, you’ll receive an alert on your smartphone so you can act quickly to limit the damage.

Ajusto program
Monitor your driving habits with the Ajusto® program from Desjardins Insurance and you could save up to 25% on your auto insurance premium before your renewal.

Photo-based estimate
If your vehicle is damaged in a minor accident, you may be eligible to use the photo-based estimate feature when filing your claim. You can use it to take photos of the damage to your vehicle and send them to a body shop or an appraiser. This will save you time and speed up the claim process!

Online Services
If you have home or car insurance with us, use our Online Services to access your insurance file directly from our app whenever you want. You can complete many different transactions right from your smartphone.

Take advantage of Radar, Alert, Ajusto and all the other perks of being insured with Desjardins. Get a quote right!

Already insured with us? Download the Desjardins Insurance Home-Auto app today!

Legal notes

Desjardins Insurance refers to Desjardins General Insurance Inc. in Quebec, to Certas Direct Insurance Company in Ontario and Alberta and to Certas Home and Auto Insurance Company, underwriter of automobile and property insurance.

DESJARDINS™, DESJARDINS INSURANCE™, all trademarks containing the word DESJARDINS, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence. 

Certain conditions, limitations and exclusions may apply.

™ Alert and Radar are trademarks of Desjardins General Insurance Group Inc., used under licence.

Ajusto is underwritten by Desjardins Insurance and is only available in Ontario and in Quebec.

® Ajusto is a trademark of Desjardins General Insurance Inc. used under licence.

The Ajusto discount does not apply to certain endorsements and additional coverages. Subject to the Terms and Conditions of the Ajusto Program in effect on the date of your enrollment.

Note: Continued use of GPS running in the background can dramatically decrease battery life.

What’s New

Version 3.18

Prevention—there’s an app for that

The Desjardins Insurance Home-Auto App now gives you access to Ajusto, Alert and Radar under one convenient Prevention tab. Keep tabs on your latest Ajusto score, your Alert and Radar notifications, and more!

Ratings and Reviews

2.6 out of 5
260 Ratings

260 Ratings

Rockstar_sean ,

Good app but...

This is a great way to see what your driving habits are to a limit. It unfortunately does not actually record safe driving habits.
There are however certain things that need to be corrected that “fix” the score in the insurance companies favour preventing anyone from being able to get a full 25% discount.
1. Driving within the hours of 10am-2pm, ie. NOT rush hour is the only way to score 100 the best I have ever been able to get is 90 and the explanation given for the lower score was because I’m driving during rush hour, to and from work, both in the app and from tech support. As well if you drive after dark, or are a night shift worker your score also goes down because you are driving at night, when traffic is at its lowest?
Yes at night there is a potential of drunk drivers, and reduced visibility. Last time I checked drinking and driving can occur 24 hours a day, and is now number two behind distracted driving both of which, can, and do occur 24 hours a day.
So to penalize a client for these “other peoples” stupid moves, is not fair and is an excuse for you guys to ding clients so you don’t have to give them the 25% discount even though they are a safe driver, as your adds describe.
It needs to be for an accurate assessment of a clients driving habits to show for these drive times without penalty. In fact it should be graded better for safer drivers who actually do the limit and don’t out drive their headlamps by going faster then the posted speed limits, and driving during heavy traffic at the speed of other vehicles.
Since you guys use Google maps to power your app, the system would be able to ascertain the speed of traffic, based on local traffic reports, and from other people using google maps and/or a GPS in their cars.
If a reading is taken from say car A at this location, and it takes that car to travel from a set point to a set point 20-25 minutes, simple math would allow you to see that your client is travelling with traffic in heavy traffic. Not doing the same distance between the same two points in 15 minutes, which means that that driver is weaving in and out of traffic. As well smart phones are really smart... a simple GPS ping will be able to show if that client is in an HOV lane too. My iPhone can be found using an app to show me where it is within 10 feet... lanes on a highway are 12 feet wide, do the math.
You guys can do this too with a simple algorithm modification.
You guys are suppose to be looking at your client and not other drivers actions to formulate their individual scores.
As well I’m willing to bet that 70% or more of your clients work regular days Monday to Friday between 8-6ish so telling them in order to get an accurate score the only time you can drive and get a good score is when they’re at work and you kind of have to stay there because you can’t drive after work either because it’s at night.
2. According to the Highway Traffic Act of Ontario, (Section 132) and if memory serves me correctly every other jurisdiction throughout North America, impeding traffic is almost as bad as speeding. In fact according the HTA SECTION 132 it carries a fine and 2 demerit points.
I refer to this for, points being taken off for hard acceleration.
Let’s face it speed kills that’s not the issue, but entering a 400 series highway at 40km/hr is extremely dangerous!
Most on-ramps to 400 series highways give you ample distance in the acceleration lane to get up to the speed limit or close to the speed traffic is moving at. This requires a safe driver to use a little more gas to get to speed, 100km/hr to enter the highway at the posted limit, or closer to the average speed that traffic is moving at in lane number 3, (but not over the maximum speed limit).
Entering a 400 series highway doing substantially less then the speed limit, or greater then, causes trucks which are mandated and use speed limiters in Ontario are limited to 105 km/h not to have to move to lane 2 or slam on their brakes to avoid running into the back of your vehicle doing 40 km/h, and lead to the rest of the traffic to slow down to 40km/h to allow for an unsafe driver to get his 100 point potential to get onto the highway.
Seems that it would be a lot SAFER to accelerate a little more in a straight line to match or at least get to 100km/h then to impede traffic and potentially cause an accident. Yes the curve, that yellow sign that says say 40km/h is not a speed limit rather it is a speed suggestion based on math as to be the safest speed that a car can SAFELY go through the curve in slippery conditions based on the skid coefficient of how properly inflated car tires react to ash fault, cement, gravel, sand and so on and so forth.
This is for the curve... at the end of the curve is usually a straightaway of some sort, which is designed to be the proper length for, again “a car” to reach 100 km/h through acceleration.
This is a simple fix, you guys use Google Maps to account for the speeds and locations. A simple modification to allow for harder acceleration on, on-ramps of highways is a coding issue on your part. To add to this what about short on-ramps?
I’ll use the easiest one, Jameson Ave onto the Gardener Expressway westbound, in Toronto, Ontario Canada. At the top of the ramp there is a stoplight and the ramp is 25 metres long... so let’s see 0 to 90 km/h in less then 30 metres... I’m gonna have to press the gas.
Other then these two factors, I like the app but certainly there is always room to improve and get a more accurate assessment of an individuals driving patterns and habits. Not a fixed method for the insurance company to dangle a carrot of a 25% discount in front of a consumers face with no possible way for getting higher then 15-20%.
Make it fair... not everybody can get the full 25% discount, but the way you guys have it set up.... nobody can.

RichterMTL ,

The more you use it the tougher it gets.

At the beginning it seemed to be reasonable. Unless major infractions you got 3 stars. After I hit 1000km. The rating would dig the score for a little red or 1 medium braking, where before it didn’t. It also tricks you saying detected your were a driver or passenger, what determines this difference? After a few days I don’t recall which is which. This should be fixed to make it easier for users. Unfortunately, the program was also poorly explained when I signed up. I was consistant at 92 and over 20%, once 1000km within a few drives and days it has dropped me to 79 and unless I drive perfect and nothing happens I only get 1 star. This exercise feels like a scratch ticket at a store, no matter which ticket they all have 10% Discount. By the end of the period, I feel ill be at 10% based on what I see other reviews say.

Phil-MTL ,

Des correctifs doivent être apportés

Je trouve que l’application est une bonne idée, ça permet de vraiment voir nos habitudes de conduite et de s’ajuster pour avoir un meilleur rabais. Toutefois, je trouve que l’application est un peu juste en matière d’évaluation. J’explique cela de la manière suivante: je n’utilise pas mon cellulaire au volant, j’accélère normalement et je maintiens une bonne vitesse, MAIS parce que quelqu’un fait une manœuvre dangereuse devant moi, cela me pousse à freiner brusquement même si je garde une distance sécuritaire... je me vois octroyer seulement 1 étoile pour un trajet. Personnellement, je pense qu’il faudrait en donner 2 puisque les trois autres points mentionnés plus hauts sont positifs. La distance de freinage pour un freinage brusque devrait être revue. Je ne vois pas pourquoi je devrais payer pour les autres qui font des manœuvres parfois très dangereuses.
Bref, vous avez une bonne idée, mais je crois que l’application est un peu trop intrusive et que vos critères devraient être revus.
Merci de votre attention


Federation des caisses Desjardins du Quebec
148.2 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.


English, French

Age Rating
This app may use your location even when it isn't open, which can decrease battery life.


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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