This page is for informational purposes only. MyChoice is not affiliated with this company.
Certas Auto Insurance Overview
| Available in Canada? | Yes, through the Desjardins Insurance home-and-auto business. |
| Available in Ontario? | Yes. |
| Direct, broker or affinity distribution | Direct/agency distribution under the Desjardins Insurance brand. Certas Direct products are distributed by Desjardins General Insurance Services Inc.; a separate Desjardins Agent network is also used in Ontario. |
| Underwriting company | Certas Direct Insurance Company underwrites direct Ontario automobile and property insurance. Policies sold through the Desjardins Agent network may instead be underwritten by Certas Home and Auto Insurance Company; customers should check the declarations page. |
| How to get a quote | Start a quote online; some customers can complete the purchase online, while others schedule a call. Ontario customers can also contact a Desjardins Agent. |
| How to report a claim | Online, in the Desjardins Insurance Home-Auto app, or 24/7 by phone at 1-888-776-8343. |
| Digital account or app | Desjardins Insurance Online Services and the Home-Auto app support policy documents, pink slips, policy changes, claims filing/tracking and Ajusto. |
How Certas-Underwritten Auto Coverage Works
- Ontario auto policies offer mandatory coverage plus optional Collision and Upset and Comprehensive (All Perils other than Collision or Upset) protection.
- Optional features include Accident-Free Protection (accident forgiveness), Travel Costs (up to the stated policy limit for taxi, transit or rental costs after an insured loss), short-term rented/borrowed vehicle coverage, and the bundled Trouble-Free Option.
- New-vehicle 5-Year Replacement Cost and the Value Plus Option for eligible used vehicles are advertised, subject to eligibility and endorsement terms.
- Ajusto is Desjardins’ usage-based program. It gives a 10% enrolment discount for the first six months; after sufficient driving, the personalized premium may decrease or increase according to the driving score.
Read More: What Coverage Can Ontario Drivers Get
Certas and Desjardins Auto Insurance Savings
- Zero Violations (up to 10% for qualifying drivers), Young Drivers, Multi-Vehicle and home-and-auto bundle savings.
- Ajusto provides a 10% sign-up discount for the first six months, followed by personalized pricing based partly on driving behaviour.
- An Online Quote discount is disclosed for eligible new Ontario auto customers who start their quote online.
- Eligibility, savings and exclusions vary; the policy wording and quote control.
Opening a Certas or Desjardins Auto Claim
About Certas Car Insurance
Certas Direct Insurance Company is part of Desjardins General Insurance Group and underwrites Desjardins Insurance automobile and property products sold through the direct channel in Ontario and Alberta. Desjardins traces its financial-services history to 1900. Certas Direct itself as Canada’s third-largest P&C insurer or attribute Desjardins-group customer totals to this individual legal company without a current filing.
Desjardins Insurance offers Certas Direct-underwritten auto policies in Ontario and Alberta. Premiums and discounts are determined from each applicant’s profile and eligibility and should be compared using a current quote rather than described as universally comparable or easy to save on.
Certas Review Score Compared With Competitors
| Insurance Provider | Company’s Online Rating |
|---|---|
| Certas | 2.1/5 |
| Economical | 2.2/5 |
| Allstate | 1.7/5 |
| Millennium | 3.2/5 |
| Echelon | 2.1/5 |
Certas Direct Car Insurance Pros & Cons
Below are some main pros and cons of getting car insurance with Certas. These are based on the company’s online reviews.
| Pros | Cons |
|---|---|
| Good Customer Service | Frequent Rate Increases |
| Stable Renewal Rates | |
| Flexible Claims Handling |
What Other Insurance Products Does Certas Direct Offer?
Certas Direct Insurance Company underwrites Desjardins Insurance auto and property products sold through the direct channel in Ontario and Alberta. Policies sold through Desjardins Agents in Ontario, Alberta, and New Brunswick are underwritten by the separate Certas Home and Auto Insurance Company. Available homeowner, condo, and tenant coverage is subject to the policy and eligibility.