Our Commitment to You

Attached you will find the Code of Consumer Rights and Responsibilities, which has been developed by the Insurance Bureau of Canada. This document explains your rights and responsibilities as a consumer when shopping for insurance.

Should you have any questions, please write to:

Customer Relationship Services
The Personal Insurance Company
P.O. Box 7065, Station A
Mississauga (Ontario)  L5A 4K7

Compensation

The Personal Insurance Company is a direct writer that sells home and auto insurance in all applicable provinces, except for Quebec. (Auto insurance is not available in Manitoba, Saskatchewan or British Columbia due to government-run plans). The Personal General Insurance Inc., is the direct writer that sells home and auto insurance for the province of Quebec. Agents are salaried; there are no commission payments made to brokers or external middlemen.

We reserve the right to change these conditions at any time and without prior notice.

The Personal Pet Insurance Program is underwritten by Western Financial Insurance Company and is distributed by Desjardins General Insurance Services Inc. in all provinces except Quebec and by Desjardins Insurance in Quebec. Desjardins General Insurance Services Inc. and Desjardins Insurance receive compensation from Western Financial Insurance Company based on a percentage of written premiums.

Ownership

Our parent company is Desjardins General Insurance Group Inc., which, in turn, is owned by Desjardins Group.

Through its various subsidiaries, Desjardins Group offers a wide variety of financial services, insurance products, trust services, investment and asset management and many other financial services across Canada. The property and casualty division, Desjardins General Insurance Group Inc. offers general insurance directly to:

  • Individuals in Ontario and Alberta through Certas Direct Insurance Company;

  • Individuals and small businesses in Quebec through Desjardins Assurance générales inc.;

  • The employees or members of our partner groups across Canada, through The Personal Insurance Company and The Personal General Insurance Inc.


The Personal Pet Insurance Program is underwritten by Western Financial Insurance Company and is distributed by Desjardins General Insurance Services Inc. in all provinces except Quebec and by Desjardins Insurance in Quebec. Western Financial Insurance Company, Desjardins General Insurance Services Inc., Desjardins Insurance, The Personal General Insurance Inc. and The Personal Insurance Company are all affiliated companies, subsidiaries of Desjardins Group.

The Personal Travel Insurance Program is offered to participants of groups under contract with The Personal Insurance Company and is underwritten by Desjardins Financial Security Life Assurance Company. The Personal Insurance Company and Desjardins Financial Security Life Assurance Company are affiliated companies and subsidiaries of Desjardins Group. The Personal Travel Insurance Program is not presently available to residents of Quebec.