Desjardins Insurance
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Prices are current as of 9 Sept 2026.
Desjardins Insurance has no in-app products on record in Canada.
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| Desjardins Insurance |   NBC mobile application |   Intact Insurance: Mobile app |   Manulife Mobile |   belairdirect digital insurance |   my Sun Life (Canada) |   iA Mobile |   TD Insurance |   Beneva |   My Canada Life at Work |   The Personal | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.3 | 4.8 | 4.5 | 4.5 | 4.6 | 4.5 | 4.7 | 4.8 | 4.4 | 4.2 | 4.2 |
| Reviews | 5.1K | 284K | 182K | 158K | 139K | 103K | 60K | 35K | 32K | 26K | 4K |
| Released | 2015 | 2011 | 2018 | 2017 | 2017 | 2011 | 2013 | 2014 | 2014 | 2012 | 2015 |
Desjardins Insurance reviews
4.3 out of 5, based on 5,061 reviews.
What people like
- Helps you track and improve driving habits
- Easy to use for basic tasks
- Good discount if you drive safely enough
What they complain about
- Punishes hard braking needed to avoid accidents
- Counts passenger phone use as driver distraction
- Too sensitive to normal acceleration and speed
- Scores drop fast but take forever to rise
MTJ
Great app to keep a check on your driving
trop pénalisant
la moindre petite derogation coûte de gros points même si c’est le résultat d’un autre conducteur qui nous coupe le chemin et provoque un freinage inevitable. et la perte de % semble permanente. l’application a pour but de réduire toutes imperfections en pénalité et non de récompenser les conducteurs prudents.
Freinage
Je trouve que l’app est trop sensible au freinage rapide car ma voiture a des freins très efficace et parfois je je veux pas que ça freine sec mais ça le fait et je perd des points inutilement. De plus si quelqu’un décide de freiner rapidement devant toi tu dois toi aussi freiner rapidement. Donc je perd des points souvent pour des conditions non justifiée.
Rating
Not realistic and accurate in intensity. Sometimes a fall of phone from cradle counts as manipulation of phone. Bumper to bumper traffic rolling at 20km compared to going 60 and braking shouldn’t count as a hard stop
Not completely accurate
Can promote dangerous driving in order to “ get medals” or “good driving”. For example, you lose points for heavy braking, when, at some points it is unavoidable, like a child running in front of you. In this case, hit the child or lose points for heavy breaking. If someone uses your phone to program your map… you lose points. These issues have been brought up and I receive a generic scripted answer with no solution. I do like the app and use it but there is definitely room for improvement.
Awesome
Helps in tracking your driving patterns
App Problems
You don’t give the option to have passenger send an text for you or call. For braking, you don’t take into consideration that you are cut off, and you are avoiding an accident. The app doesn’t take into consideration that you are following the speed of traffic. Your app is not up to date on all speed changes on a road. Sometimes you need to exaccelerate to get on to a highway.
It’s not very accurate
All perimeters will say excellent, yet I get 2 stars not 3. Also, the ins driven are inconsistent and often change / decrease. You get dinged for quick acceleration, yet you can’t get on the hwy doing 50km….
The sensors are not working properly
The app is using the phone’s location services to monitor the drivers. However it’s not always accurate. On top of that, it’s very picky about breaking and accelerating. It doesn’t work well.
Les rabais!!
J’ai toujours 3 étoiles pour les trajets que je fais et malgré cela difficile d’obtenir un rabais plus élevé que 16%. Impossible de d’obtenir 20-25% de rabais quand on fait des trajets long et si nous sommes dans les heures de circulation même si notre conduite est excellente, ce qui enlève l’intérêt de l’application pour ma part!
Imprécis
Il ne suffit que d’un trajet pour baisser de 5-6 points . Les 4 critères ne sembles pas avoir la même importance. Car si on fait la moyenne des 4, on arrive pas du tout au score qui nous est donné.
Performance
Do not understand how this work . All the effort to drive well get it hard to improve the rate and in 3 days it goes form 70 to 60 then to get back to 70 it take forever
Note parfaite mais pourcentage 83%
J’ai de la difficulté à comprendre un pourcentage à 83% quand tu fais des trajets sans faille. Autre point, si quelqu’un décide de traverser sur l’autoroute, tu freine pour éviter une collision, un piéton, tu es pénalisé d’avoir freiner et éviter le pire. Tu es imprudent mais tu as sauvé une vie. Trouve l’erreur. Je laisse encore quelques jours mais pas sûr de conserver cette application qui ne peut discerner.
Like it but
I like it but for my this app is really too sensitive when I break I know I break like really slowly but still appear I break to much. Still thinking of if I should continue this app or not.
J’aime
Bonne façon de nous garder vigilant et de modifier nos habitudes .
Made to not give you discount
I’m a very safer driver. I have a professional defensive driving course. I almost don’t use my break which sounds strange for some because I manage speed constantly and with all this I have the score 72 and it is punishing acceleration. I have very high score on in the other parameters but is not an average thing so don’t get excited. The only way to break less than I break is not driving the car or dangerous driving at 20km per hour or not driving at all. Yes, you are going to get some discount but don’t expect the same they have offered you to get the insurance. I don’t want to call it a scam, you make your own conclusions.
Calcule imprécis
Mon score est de 84 % depuis quelques mois et j’ai toujours des trois sur mon application alors je ne comprends pas pourquoi mon score est si bas. À moins que vous vouliez baisser mon score de 97 % d’habitude ça fait deux ans que j’ai 97 % et maintenant seulement 84 donc c’est un stratégie pour que je paye plus mon assurance.
Demande du temps
J’ai l’impression de jouer un jeu vidéo en allant réclamer mes points chaque fois que je prends le volant. C’est une perte de temps. Et les résultats ne tiennent pas compte des obstacles spontanés sur la route (chevreuil, trous, etc). Je veux mes rabais bon conducteur mais c’est demandant.
Pratique de conduite
L’application me permet d’être plus consciente de ma façon de conduire et de l’améliorer l’orsque je me laisse aller 😉
Pas raisonnable
L’application prend 53km à l’heure pour un excès de vitesse Lol
Insurance tracking app
For the most part the app is ok but is most times over sensative to everything which i believe is to benefit the insurance company and not us . I am an extremely good driver and lately have had to take a detour going to work because of bridge work. There is a slight turn and the app thinks im going to fast when in fact i slow down to turn like i normally would plus its a gravel road. Im thinking the app will only allow a certain score and our insurance will end up going up tearly anyway.
Prudence is not rewarded
I always drive in the speed limits. The app applies max penalty when I brake to stop at a red light but if I’m driving within speed limit I shouldn’t be penalized. Take away stars if I’m speeding and then brake rather than if I just stop at a light! Take away stars for speeding period and for distractions. (Although it’s my kids that sometimes check and write my messages)
Great app
The this app it’s great and simplifying to get things done in one place ! Only one thing needs it’s in profile when adding the phone number saying add other phone number the phone number already use and that’s is seems wrong , as well needs to use 2FA for a login on the app and on the web . Over all the service and use of the app great .
Penalizes for being safe
I don’t mind the app. The intent is great HOWEVER, I have twice had someone walk into street without looking which caused me to break hard. Instead of rewarding my quick reactions and not causing an accident, the system penalizes you for hard breaking….and in fact states that breaking is the most important thing they look at. Why use an app that penalizes you for driving safely?
Pourrais être mieux fait pour les bévues de la route
Pas très bien fait, si quelqu’un te coupe ou un nid de poule peux importe et que tu freine tu perd des points. Tu embarque sur une voie à 90km et que tu dois accélérer et bien tu perd encore des points et j’en passe….
Cell et passager
Il arrive souvent que j’ai un passager qui utilise mon cellulaire pendant un déplacement. Malheureusement, je semble perdre des points pour “distraction” alors que je ne suis pas en faute… ce serait un bon “twick” à ajouter à l’application. D’autre part… j’apprécie voir le km que je fais à vélo!!
Car insurance
I just have a hard time comprehending a good driver receiving three increase within two years just a reminder that September 13 well, I’m due for renewal I will be moving to a new car insurance. Thank you.
Algorithmes à travailler
Le tracking est moyen, les petits évènements de vitesse/accélération sont très punitif en comparaison des trajets parfaits. Ça prend plusieurs trajets parfaits pour monter de 1%, mais 1 seul pour en descendre de 10%.
Freinage et vitesse
Presque dangereux de se faire percuter en suivant la limite de vitesse et s’il y arrive un imprévu causé par un autre véhicule et qu’il faut freiner… on perd du pointage
Buyer beware
Very disappointed with Desjardins for their deceptive practices around the never ending Adjusto monitoring program. They are not the trustworthy company they used to be.
Pas précis
Pas toujours précis, je suis sur un chantier de construction pis, on me dit que je suis un camion de trop près et freinage excessif
Not great
The app is very sensitive to movement - even just for light acceleration. Or if I pulled the car over to use my phone it still counts it as distraction for that trip instead of starting a new trip.
Hard braking
It keeps saying hard braking when I stop and back in my lane way and I don’t hard brake. It’s ruined my score. Phone is always in my pocket and it’s not a hard brake. It even happens in the work parking lot when I pull a transport truck up to the shop to back it in.
Trop sévère
On doit parfois freiner brusquement pour éviter un accident et ça joue contre nous.
Needs clarity
While I get feedback about issues like speed and still get a “3” rating, I can get a “2” rating with no feedback at all
Adjusto is designed to reduce your discount, not reward safe drivers
I’ve had a clean driving record for years. I’ve never been at fault in an accident, never filed an insurance claim, and I consider myself a defensive driver. Despite that, the Adjusto app consistently gives me poor scores for situations that are actually the result of driving safely. The biggest flaw is how it scores hard braking. Defensive drivers sometimes have to brake suddenly because other people drive recklessly. If someone cuts me off or stops unexpectedly, I have two choices: brake hard to avoid a collision or hit them. The app punishes me for choosing the safer option. Ironically, avoiding an accident saves the insurance company money, yet I’m penalized for it. The distraction detection is just as bad. As a parent, I often hand my phone to one of my children while I’m driving so they can watch a video or stay entertained. The app frequently assumes that I’m using the phone and records it as distracted driving. There is no meaningful way for the app to distinguish between legitimate passenger use and driver distraction. Because of these false detections, a single trip can receive one star and drag down an otherwise excellent overall score. It feels less like a tool to encourage safe driving and more like a mechanism to justify reducing the discounts that customers were promised. To make matters worse, insurance premiums continue to increase year after year, even with an impeccable driving record. Customers are also told that rates are influenced by where they live and the claims history in their area, factors completely outside their control. So even if you drive responsibly, you’re still paying for everyone else’s risk while an app finds additional reasons to lower your discount. A telematics program should reward safe driving, not punish defensive driving or make assumptions based on flawed algorithms. Until Adjusto can accurately distinguish between genuine risky behaviour and responsible driving, I cannot recommend it.
Connection failed
It’s great to have everything in one spot but the app doesn’t seem to communicate with your servers or something because features that should be available have never been available even though it’s advertised. This has been an issue since I’ve downloaded the app.
Pas toujours exact
Indique utilisation du cellulaire alors que je ne suis plus dans le véhicule; indique un dépassement de vitesse alors que je roule à 60 dans une zone 70 (le panneau changeant pour 50 étant plus loin). Cependant l’apps est facile d’utilisation.
Desjardins Insurance FAQ
- Is Desjardins Insurance free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does Desjardins Insurance have a free trial?
- No. None of its offers (CA) come with a free trial.
- What are the best alternatives to Desjardins Insurance?
- NBC mobile application (4.8 from 283,714 reviews), Intact Insurance: Mobile app (4.5 from 182,197 reviews) and Manulife Mobile (4.5 from 158,289 reviews).
Desjardins Insurance download
Last updated 3 months ago.
Desjardins Insurance sells in 1 country. It was released 11 years and 6 months ago, on 26 Mar 2015. It holds a 4.3 rating from 5,061 reviews.
Supports 2 languages: English, French.
How much does Desjardins Insurance make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.