{"id":10741,"date":"2025-12-03T05:01:51","date_gmt":"2025-12-03T05:01:51","guid":{"rendered":"https:\/\/youset.ca\/?p=10741"},"modified":"2026-03-16T12:13:57","modified_gmt":"2026-03-16T12:13:57","slug":"desjardins-car-insurance-vs-youset","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/desjardins-car-insurance-vs-youset\/","title":{"rendered":"Desjardins Car Insurance vs. YouSet: Pros and Cons [2026]"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Maybe you\u2019ve seen their name while shopping around for <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">insurance for your car<\/span><\/a><span style=\"font-weight: 400;\">, heard one of their ads, or already use <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/desjardins-home-insurance-vs-youset\/\"><span style=\"font-weight: 400;\">Desjardins for home insurance<\/span><\/a> <span style=\"font-weight: 400;\"> or banking. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Whatever the reason may be, you might be considering getting Desjardins car insurance.<\/span> <span style=\"font-weight: 400;\">But are they the right fit? Do they offer the coverage you need at a price that works for your budget?&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In this article, you\u2019ll learn more about Desjardins, the potential pros and cons to consider, and how it\u2019s different from an insurance broker like YouSet. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.<\/span><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-youset-different-from-desjardins\">How is YouSet different from Desjardins?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while Desjardins is a direct-to-consumer insurer that underwrites and sells its own policies.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">As such, there are key differences between YouSet and Desjardins to consider, which you can see outlined clearly in the table below.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>YouSet<\/strong><\/td><td><strong>Desjardins<\/strong><\/td><\/tr><tr><td><em>Type of provider<\/em><\/td><td>Digital insurance broker<\/td><td>Direct-to-consumer (D2C) insurer<\/td><\/tr><tr><td><em>Products<\/em><\/td><td>Home, tenant, condo, and car<\/td><td>Home, tenant, condo, car, recreational vehicle, travel, pet, and health<\/td><\/tr><tr><td><em>Number of insurers<\/em><\/td><td>18 insurers (<a href=\"https:\/\/youset.ca\/en\/claims\/\">Full list of YouSet insurers<\/a>)<\/td><td>1 insurer (themselves)<\/td><\/tr><tr><td><em>Price comparison<\/em><\/td><td>Side-by-side comparison, shows multiple quotes<\/td><td>No comparison, only shows one quote (their own)<\/td><\/tr><tr><td><em>Underwriting<\/em><\/td><td>Does not underwrite policies<\/td><td>Direct writer (underwrites its own policies)<\/td><\/tr><tr><td><em>Checkout<\/em><\/td><td>Online checkout or by phone<\/td><td>Online checkout or by phone<\/td><\/tr><tr><td><em>Claims<\/em><\/td><td>Claims handled by the insurer, additional support from YouSet, as needed<\/td><td>Claims handled directly by Desjardins<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n\t<section id=\"post-cta-block_99a45a2c03615cb134aab066a9a48882\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-desjardins-car-insurance-pros-and-cons\">Desjardins car insurance pros and cons<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">As with any insurance provider, it\u2019s important to understand what Desjardins offers and what it doesn\u2019t. This is key to helping you determine if it aligns with what you\u2019re looking for in a car insurance provider.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-second-biggest-property-casualty-insurance-group-in-canada\">Second biggest property\/casualty insurance group in Canada<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">In the past 75 years, Desjardins has become a household name in the Canadian insurance market. Today, it ranks as the <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/breaking-news\/these-are-the-top-10-propertycasualty-insurance-companies-in-canada-179800.aspx\"><span style=\"font-weight: 400;\">second-largest property and casualty insurance group<\/span><\/a> <span style=\"font-weight: 400;\"> in the country. For many customers, that kind of size and market presence can offer added confidence and a sense of stability when choosing an insurance provider.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-online-checkout-might-be-limited\">Online checkout might be limited<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Desjardins allows you to get a quote and, for many, to purchase car insurance online. However, a fully digital checkout isn\u2019t guaranteed. If you don\u2019t meet certain criteria, you may be prompted to call and speak with a sales representative to complete your purchase.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-buy-in-person\">Buy in person<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">It is becoming increasingly rare to find in-person service, and yet Desjardins continues to offer face-to-face services through a network of local agents. Bear in mind, though, that the agents at these locations only sell Desjardins products, so it will be entirely up to you to do your due diligence and ensure you&#8217;re getting the best value.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-restricted-to-desjardins-products-and-pricing\">Restricted to Desjardins products and pricing<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">For car insurance purchased through a Desjardins agent, coverage is underwritten by Certas Home and Auto Insurance Company. If purchased directly from Desjardins, it is underwritten by Certas Direct Insurance Company.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Since both underwriters are part of the Desjardins Group, your choices are limited to their products, pricing, and discounts. This restriction means you won\u2019t have the flexibility to shop multiple carriers, which can sometimes limit your ability to find the best rate.<\/span> &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-online-or-in-person-claims\">Online or in-person claims<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Desjardins allows policyholders to file and manage car insurance claims online, via a mobile app, by phone, or in person when repairs are made at an approved repair shop. This flexibility lets customers choose the method that best suits their needs for reporting and tracking a claim.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-only-available-in-certain-regions\">Only available in certain regions<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Desjardins car insurance is available in Ontario, Quebec, New Brunswick, and Alberta. It is not, however, listed as one of the available insurance products in Manitoba, Saskatchewan, British Columbia, Prince Edward Island, Nova Scotia, Newfoundland and Labrador, Nunavut, the Northwest Territories, or Yukon.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-range-of-financial-services-and-products\">Range of financial services and products<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">In addition to home and car insurance, Desjardins offers a variety of personal financial services, including wealth management and retirement planning. While this might seem convenient, it doesn&#8217;t always outweigh the potential cost savings and flexibility you could find by exploring <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\"><span style=\"font-weight: 400;\">alternative car insurance providers<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bundling-savings-may-be-limited\">Bundling savings may be limited<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Bundling home and car insurance with Desjardins can save you money, as advertised. However, bundling with a single carrier doesn\u2019t always offer the most savings possible. Rather, a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\"><span style=\"font-weight: 400;\">mix-and-match approach to bundling<\/span><\/a><span style=\"font-weight: 400;\">, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-desjardins-vs-youset-car-insurance\">Desjardins vs. YouSet car insurance<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">After getting a quote from Desjardins and doing your own research, it\u2019s always wise to compare the quoted price to a policy from an alternative provider, such as YouSet, to see if that\u2019s truly the best price you can get or if there\u2019s a better deal available.<\/span><\/p>\n\n\n\n<p>Since 2017, YouSet has been making it easier for Canadians to <a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\">buy home and car insurance online<\/a>. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we\u2019ll also have Canada\u2019s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-price-year-after-year\">Best price year-after-year<\/h3>\n\n\n\n<p>YouSet\u2019s algorithms are designed to do one thing &#8211; find you the best price. Not just the first time you buy, either. If your price increases at renewal, we\u2019ll alert you and even help you re-shop with another carrier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transparent-renewals\">Transparent renewals<\/h3>\n\n\n\n<p>Anytime a YouSet&nbsp;insurance policy comes up for renewal, our team will make sure you\u2019re paying the best price possible for your policy. If that\u2019s no longer working, we\u2019ll help you re-shop another carrier for a better deal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mix-and-match-approach-to-bundling\">Mix-and-match approach to bundling<\/h3>\n\n\n\n<p>YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp\" alt=\"YouSet Home and Car Insurance Bundle\" class=\"wp-image-9293\" srcset=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp 1024w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-300x200.webp 300w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-768x512.webp 768w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-50x33.webp 50w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1536x1023.webp 1536w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-600x400.webp 600w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN.webp 1981w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-buy-manage-and-renew-your-policy-online\">Buy, manage, and renew your policy online<\/h3>\n\n\n\n<p>How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-highly-reviewed-by-canadians\">Highly reviewed by Canadians<\/h3>\n\n\n\n<p>With an overall <a href=\"https:\/\/www.google.com\/search?q=youset+google+reviews&amp;rlz=1C1VDKB_enCA1096CA1096&amp;oq=youset+google+reviews&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCggCEAAYgAQYogQyCggDEAAYgAQYogTSAQg0MjEyajBqN6gCALACAA&amp;sourceid=chrome&amp;ie=UTF-8#lrd=0x4cc91be2cf84ad7b:0x343519cea81a6cc2,1,,,,\">rating of 4.8 out of 5 stars on Google<\/a>, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maybe you\u2019ve seen their name while shopping around for insurance for your car, heard one of their ads, or already use Desjardins for home insurance or banking. Whatever the reason may be, you might be considering getting Desjardins car insurance. But are they the right fit? Do they offer the [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":10742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-10741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Desjardins Car Insurance vs. YouSet [2026]<\/title>\n<meta name=\"description\" content=\"Considering buying Desjardins car insurance? 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