Desjardins Insurance 4+

Home - Auto


    • Free

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With our insurance and prevention app, you deserve to be well protected. Download the Desjardins Insurance Home-Auto app today and:

● Easily access your home and auto insurance
● Perform auto insurance transactions
● Make a claim and track it
● Access loss prevention technologies: Ajusto, Alert and Radar
● Get all of your notifications in one place

It’s easy to manage your home and auto insurance. View your insurance policies and your payments, make changes and more!

Submit a claim online or talk to one of our agents in the event of a car accident, theft or property damage. Also, get updates on your home insurance claim directly through the app.

Photo-based estimates
Use this handy tool to take pictures of vehicle damage and save a trip to the shop.

Stay safe and prevent the most common types of damage with Ajusto, Alert and Radar, which can all be found in a dashboard.

Ajusto program
Your safe driving can help you save with the Desjardins Insurance Ajusto program. Get a more personalized premium based on your driving behaviours and habits.

Alert program
Get alerts on your smartphone with our water and freeze detector.
A new prevention program is coming soon.
Stay tuned!

Radar – Available to everyone
Get mobile alerts for a specific address when there’s a threat of hail, high winds, heavy rain or other severe weather that could damage your property.

Want to benefit from everything you get when you’re 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.

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.

Certain conditions, limitations and exclusions may apply.

The discount and the personalized premium do not apply to certain endorsements or additional coverages. Please refer to the Ajusto terms and conditions in effect on the date you sign up.

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

What’s New

Version 4.14.2

Desjardins Insurance

The latest version of the app includes several bug fixes and improvements. Download the update for a better experience. 

Thank you for using the Desjardins Insurance app! 

Ratings and Reviews

3.7 out of 5
3 Ratings

3 Ratings

DarkNite3000 ,

Please add

Pink slip to apple wallet. That would be amazing. I’ll change my review once added.

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.

coolprosu ,

Tracking is horrible in snowy conditions

The app randomly detects hard-braking when I’m driving in snowy conditions. It probably detects the traction control jerks as hard-braking. I was maintaining a perfect record till it started snowing. Now I get hard-braking reports on all of my trips (needless to say, those trips didn’t involve any hard braking and were no different than my previous trips where the app didn’t complain of anything).

Developer Response ,

Hi there. I’m sorry you’re having trouble with the app. We’d be happy to help you with this issue. Please give us a call at 1-866-710-4760. François.

App Privacy

The developer, Desjardins, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Health & Fitness
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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