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Get the auto insurance coverage you need

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A Desjardins Agent has the auto insurance you need at a price you can afford.

Liability coverage

How are you covered in case of an accident?

Liability coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you're sued, it also pays your defence and court costs.

How much coverage do you need?

Every province sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident.

Accident benefits

How are you covered in case of an accident?

Accident benefits include coverage for expenses you incur when you are injured in an automobile accident. Some of the expenses accident benefits coverage can pay for include medical rehabilitation, lost income, funeral expenses and death benefits.

Do you need this coverage?

Accident benefits coverage is mandatory. Optional benefits are available and can be purchased in addition to basic benefits.

Collision coverage

How are you covered in case of an accident?

Collision coverage pays for damage to an insured vehicle caused by:

  • A collision with another vehicle
  • A collision with an object
  • A vehicle rollover 

Note: this coverage may be required if your vehicle is leased or financed.

How high should your deductible be?

When you make a claim, you may need to pay a deductible. If you choose a higher deductible, you’ll pay a lower premium. Just be sure that you'd be comfortable paying that amount if you have a car accident. 

Direct compensation property damage

How are you covered in case of an accident that is not entirely your fault?

With direct compensation property damage, you'll be covered for damage to your car in the event of an accident that's not entirely your fault.

Do you need this coverage?

Direct compensation property damage is mandatory.

Comprehensive coverage

How are you covered in case of an accident?

Comprehensive coverage pays for loss or damage to an insured vehicle caused by events like:

  • Fire, vandalism or theft 
  • Wind, hail or flood 
  • Flying or falling objects
  • An impact with an animal

Note: this coverage may be required if your vehicle is leased or financed.

How high should your deductible be?

When you make a claim, you may need to pay a deductible. If you choose a higher deductible, you’ll pay a lower premium. Just be sure that you'd be comfortable paying that amount if you need to make a claim.

Uninsured automobile coverage

How are you covered in case of an accident?

Uninsured motorist coverage will pay for damages when you are injured in a car accident caused by another person who does not have liability insurance.

Do you need this coverage?

This coverage applies when you are involved in an accident with an uninsured or an unidentified hit-and-run motorist.

This coverage is mandatory.

Coverage for transportation replacement

How are you covered in case of an accident?

If your car is in the shop after a collision, rental reimbursement pays the cost of renting a replacement vehicle so you don't have to interrupt your daily routine. Limits per occurrence may vary by product line.

Should you get this coverage?

If you depend on having a car available, could you afford to pay for a rental car yourself without this auto insurance coverage?

Emergency road service1

How are you covered?

Emergency road service will reimburse you for costs associated with towing, a jump start or other things you need to get on your way. Examples of other items typically covered include repair of a flat tire or locksmith services to get into a covered vehicle if you're locked out.

Should you get this coverage?

Consider how much you could afford to pay out of your own pocket if you were stranded without this auto insurance coverage. This coverage is part of our Trouble-Free Option, it covers up to $50 per occurrence to cover emergency roadside assistance.

Accident-Free Protection

How are you covered in case of an accident?

With Accident-Free Protection, your premium won’t increase as a result of your first at-fault accident. You’ll have this protection for as long as the coverage remains on your car insurance policy.

1 Emergency road service is not available for commercial vehicles. Only available with the purchase of the Trouble-Free Option

The information provided on this page is for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Some conditions, limitations and exclusions may apply.

 

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