Certas Direct Insurance Review
Certas Direct is the third largest Canadian property and casualty insurance company, covering over two million customers. It is a leading home and auto insurance provider, serving Canadians in Ontario and Alberta. The company operates its primary call center in Mississauga, Ontario, where its agents are based. The company is a subsidiary of Desjardins Company, which has a history of providing financial services since 1900. Desjardins General Insurance has provided personal insurance for over sixty years, whereas Certas Direct Car Insurance was founded in 1993.
When customers purchase a policy online with Certas, they can expect:
- Several discounts to help you save on your premiums.
- Reputability that comes with Certas being a part of Desjardins.
- A wide variety of optional forms of coverage can protect you from risks not covered by standard insurance.
Certas Direct offers auto insurance rates that are comparable to other insurance providers. The company offers several discounts that make it easy to save on insurance. On average, for Certas, a driver in Toronto can expect rates of close to $188 per month, while a driver in Ottawa can expect rates of $130 per month.
What Does Certas Direct Insurance Typically Cover?
Certas Direct offers standard insurance that covers everything that is required by law. A standard policy has standard features, including liability protection, accident benefits, and uninsured driver coverage.
Liability Protection
Liability protection covers damages done to other people. It will cover the cost of replacing damaged property, repairing their car, and covering their medical bills. Liability protection shields you from legal bills if you are sued.
Accident Benefits
Accident benefits cover your medical bills if you are injured in an accident. It will also pay money to your family if you are severely injured or killed in an accident. This aspect of a standard insurance policy is important to ensure you can recover from an accident without falling into major debt.
Uninsured Driver Coverage
A standard insurance policy assumes that both parties involved in an accident will cover each other’s damage through the liability protection aspect of their policy. The uninsured driver coverage feature will protect you if you are in an accident with an uninsured driver or a hit-and-run driver. This feature will allow you to avoid losses such as:
- Repairing or Replacing Your Vehicle
- Damaged Property
- Medical Bills
- Lost Income
Optional Coverage Extras from Certas Direct
Certas Direct offers a wide variety of optional forms of coverage. Optional coverage can protect you from risks not covered by standard insurance, protect your vehicle during gaps in your coverage and protect your future premiums.
You may be required to purchase collision or comprehensive coverage if you lease or finance your vehicle.
Collision and Upset Coverage covers the cost of repairs following a crash or if you roll your vehicle.
Comprehensive protects your vehicle and the items inside of it from risks other than a collision. This can include such things as theft, fire, and vandalism.
An endorsement 44R will cover your standard policy, which does not cover the full liability of a claim. This is useful for cases where a person is injured or dies due to an accident. An Endorsement 44R can help you avoid major bills during a difficult time.
Accident protection allows you to avoid having your rates increase following an accident. The cost of a rate hike following an accident can be huge. In most cases, the cost of an accident protection feature is negligible compared to the potential to pay higher premiums for years.
Certas Direct Auto Insurance Discounts
Certas offers a huge number of discounts, making it possible to save significantly on your auto insurance. Many drivers are already qualified for some of these discounts, and drivers can easily do certain things to receive other discounts, such as installing an anti-theft device.
Bundling Home & Auto Policies
Certas Direct is known for offering both home and auto insurance, and drivers can save up to fifteen percent on their auto insurance by bundling policies. Customers can also receive a discount on their home insurance by bundling policies, allowing them to save on both.
Bundling Auto Policies
Certas offers discounts by insuring multiple vehicles, and they will also give a discount by having multiple drivers insured on a single vehicle.
Hybrid Vehicle Discount
As hybrid vehicles are considered safe and environmentally friendly, Certas will give you a discount for driving one of these vehicles.
Anti-Theft Device
Certas gives discounts for installing an approved anti-theft device. An anti-theft device can include everything from a wheel lock to an ignition-blocking system, vehicle tracking device, or alarm.
Student Discount
Certas offers discounts of up to ten percent for a college student under the age of twenty-five and discounts for a recent graduate. Student discounts are an excellent way to save for people who generally have to pay higher premiums, such as young drivers.
Loyalty Discount
Certas Direct will discount you for being a customer for over three years. This is a simple way to save without having to do anything.
Certas Direct Adjusto App
Certas Direct offers an app called “Adjusto” that monitors driving habits. The app is simple to download, and drivers can receive a discount of up to twenty-five percent by downloading Adjusto. Drivers with poor driving habits may still receive a discount for using this app.
Additional Insurance Services Provided by Certas
Aside from auto insurance, Certas offers home insurance policies through Desjardins. Select the insurance plan that fits your needs and protects your home from prevalent risks like fire, theft, and water damage.
How To Submit A Claim With Certas Insurance
Certas Direct allows its customers to file their claims through its hotline or website with its online claims system, allowing customers to keep track of their progress from start to finish.