We know how stressful an accident or loss can be. If something happens, you can file an insurance claim online, in the Desjardins Insurance Home-Auto app or by phone. We're available 24/7, and we'll guide you through the process until your claim is settled.
From start to finish, each step of your claim can be done online or in the app.
Filing online takes about 20 minutes.
Call us if you need help filing your claim.
Filing by phone takes about 30 minutes.
If you bought your insurance through a Desjardins Agent, they can take care of your claim for you. Find their contact information in your online account or with our search tool.
Find out what you need to do and what information is required for each type of claim before you file.
Broken glassIf you have a chipped or cracked windshield or window, you don't need to contact us or file a claim.
If you're just getting a chip or crack repaired, you won't have to pay a deductible. But if you're getting an entire window or windshield replaced, you might have to. Because chips and cracks can get worse quickly, it's best to get them fixed as soon as you notice them.
Download the accident report form (PDF, 209 KB) External link. This link will open in a new window.
Contact the Société de l'assurance automobile du Québec (SAAQ), which is responsible for compensating victims of traffic accidents.
Fire, theft or vandalismIf you also had belongings in the vehicle that were stolen or damaged, you have to submit 2 claims:
If the animal weighs more than 25 kg, the Highway Safety Code requires you to report the accident to the police. You may be asked to provide a police report when you make your claim.
Incident involving your civil liabilityAny claim can have an impact on your car or recreational vehicle insurance premium at renewal time. To know whether it's better to make a claim or pay for the repairs yourself, compare the repair costs to the deductible you'd need to pay.
However, if you have Accident-Free Protection coverage on your car insurance policy, your premium won't go up due to your first claim for an at-fault accident.
Processing times vary for different types of claims. You can speed things up by adding details about the incident and supporting documents like photos, receipts and police reports as early as possible.
Select each step for more information or scroll down to see all the steps.
You can open your claim online, in the Desjardins Insurance Home-Auto app or over the phone.
Whichever option you choose, you can:
Find a recommended repair shop
Fill out the claim form online or in the app.
Call us if you need help filing your claim. We're available 24/7.
We determine who's at fault for the incident using the documents and information provided to us. Depending on the type of claim and how complex it is, we may contact different people:
For car accidents in Quebec, we determine fault using the Direct Compensation Agreement for the Settlement of Automobile Claims from the Groupement des assureurs automobiles ( GAA ).
The damage assessment determines:
If the repairs cost more than your vehicle is worth, your vehicle will be declared a total loss and won't be repaired.
The shop assesses the damage and sends the repair estimate to us. We work with the shop directly and we also get you a replacement vehicle if your insurance covers it.
One of our appraisers goes to the shop to assess the damage.
Once you get authorization from us, you can contact the shop to start the repairs. Call us if you're not sure if your insurance covers a replacement vehicle.
After submitting your claim, you'll get a text or email inviting you to send photos of the damage within 48 hours. To send us the photos, download the Desjardins Insurance Home-Auto app and follow the instructions.
The repair shop you chose will provide a repair estimate based on the photos and contact you to set up an appointment.
If your vehicle is stolen or declared a total loss, contact us to verify your coverage and what benefits you'll receive. Once we receive all the documents we need to process your claim, we send a payment.
If you're found liable for injuring someone or damaging their property, we send the person a letter called a release notifying them of the final amount they'll receive. They must sign and return the release before the claim can be closed.
From start to finish, each step of your claim can be done online or in the app.
If you bought your insurance through a Desjardins Agent, they can take care of your claim for you. Find their contact information in your online account or with our search tool.
Choose car insurance coverage that fits your needs to ensure you're protected in case of a claim.
Whatever your favourite pastime, we have you covered with insurance for motorcycles, snowmobiles, RVs and more.
If your policy number starts with X, F or Z, you get your insurance through a Desjardins Agent. To find their contact information, file a claim or manage your insurance, go to Online Services.
If your policy number starts with D, A or C, you get your insurance directly from us. To file a claim or manage your insurance online, use our Online Services platform.
How can I track the status of my claim?
To check your insurance claim status, contact your claims advisor or call us at 1-888-776-8343 This link will launch your default phone software. . If possible, have your file number on hand.
How do I see what's covered by my insurance policy?
There are 2 ways to check your insurance coverage:
It depends on what coverage you have. For example, if you have Travel Costs (Endorsement 20a), we cover your costs up to $3,000 if you have to rent a vehicle while yours is getting fixed.
Can I fix or cancel a claim if I made a mistake when filing?
Yes. You can fix or cancel your claim with us over the phone. Contact your claims advisor directly or call us at 1-888-776-8343 This link will launch your default phone software. .
