Certas Direct Car Insurance Review

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 13, 2025

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 13, 2025

Visit author page

3 minute read

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

About Certas Car Insurance

Certas Direct is the third largest Canadian property and casualty insurance company, covering over two million customers. The company is a subsidiary of Desjardins Company, which has a history of providing financial services back to 1900. Desjardins General Insurance has been providing personal insurance for over sixty years, whereas Certas Direct Car Insurance was founded in 1993.

Certas Direct offers auto insurance rates comparable to other providers. The company offers several discounts that make it easy to save on insurance.

How Certas’ Customer Reviews Compare to Other Insurance Companies

Insurance
Provider		Company’s
Online Rating
Certas2.1/5
Economical1.6/5
Scottish York1.7/5
Millennium3.3/5
Echelon2.0/5
Source: Google Reviews, Trustpilot

Certas Direct Car Insurance Pros & Cons

Below are some main pros and cons of getting car insurance with Certas Direct, based on the company’s online reviews.

ProsCons
Good Customer ServiceFrequent Rate Increases
Stable Renewal Rates
Flexible Claims Handling

What Does Certas Direct Car Insurance Typically Cover?

Certas Direct offers standard insurance that covers everything 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 ensuring 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 Car Insurance Coverage from Certas Direct

Certas Direct offers a wide variety of optional coverage. Optional coverage can protect you from risks not covered by standard insurance, protect your vehicle during gaps in 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 insurance protects your vehicle and the items inside of it from risks other than a collision. These can include theft, fire, and vandalism.

The OPCF 44R endorsement will cover your standard policy but 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.

How to Save on Car Insurance With Certas Direct

Certas offers a huge number of discounts, making it possible to save significantly on your auto insurance. Many drivers are already qualified for these discounts, and drivers can easily do certain things to receive other discounts, such as installing an anti-theft device.

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.

Consider Bundling Home & Auto Policies

Certas Direct is known for offering both home and auto insurance. By bundling policies, drivers can save up to fifteen percent on their auto insurance. Customers can also receive a discount on their home insurance, giving them the ability to save on both.

Consider Bundling Auto Policies

Certas offers discounts by insuring multiple vehicles and will also give a discount by insuring multiple drivers 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 offers discounts for installing an approved anti-theft device, such as a wheel lock, ignition blocking system, vehicle tracking device, or alarm.

Student Discount

Certas offers discounts of up to ten percent for college students under the age of twenty-five and discounts for recent graduates. 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.

What Other Insurance Products Does Certas Direct Offer?

As a part of the Desjardins Group, Certas Direct Insurence provides Auto and Home Insurance services in Ontario and Alberta. With Desjardins, Certas Direct provides their clients with homeowners, condo, and tenant insurance. The agents will customize the policy just for you.

How To Submit A Claim With Certas Direct Insurance Today

Certas Direct allows customers to file their claims through its hotline or website. Its online claims system allows customers to keep track of their progress from start to finish.

Submit a form

Submit an official claim form through Desjardin

Submit a form

Contact by phone

Feel free to contact the team by phone

1-877-370-3276

Website

File a claim by visiting the Desjardin’s website

Visit Website

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