Verified September 2026Cancellation fee guide

Desjardins InsuranceCancellation Fee Guide

Name: CostExpert - Insurance Cancellation Calculator
Author: CostExpert

Official short rate table and cancellation fee calculator for Desjardins Insurance (Desjardins General Insurance Group) policies

Verified against Desjardins' published tableOwn schedule · 88 bandsNo minimum retained premium

Quick estimate

Auto schedule

Annual premium

Days in force

of 365

Earned

36%

of premium kept

Insurer keeps

$432

pro rata would keep $296

Your refund

$768

$136 short rate penalty

Desjardins earned %Pro rata your day

19%day 30

28%day 60

36%day 90

59%day 180

83%day 270

100%day 365

Estimate only — confirm with Desjardins Insurance before cancelling.Use exact dates

Desjardins Insurance is the property and casualty insurance business of Desjardins Group, the financial cooperative founded in Lévis, Quebec on December 6, 1900. The insurance subsidiary was created in 1944 as the Société d'assurance des caisses populaires and is now Desjardins General Insurance Group; outside Quebec its home and auto policies are underwritten by Certas Home and Auto Insurance Company, and in Quebec by Desjardins General Insurance Inc. The group acquired State Farm's Canadian operations on January 1, 2015 and The Insurance Company of Prince Edward Island on May 31, 2024. Desjardins reported $7,996 million in direct premiums written for property and casualty insurance in 2025; Desjardins Group as a whole reported more than 10 million members and clients and 57,530 employees at December 31, 2025, and does not publish a separate policyholder count for the insurer. Desjardins Insurance sells directly and through its own exclusive agents rather than through independent brokers. Its head office is in Lévis.

For early cancellations Desjardins applies its own short rate schedule rather than a flat fee: 8% of the annual premium is retained for a cancellation in the first three days, and the retained share reaches 100% at day 350. The balance is refunded.

How Desjardins calculates your cancellation fee

Desjardins uses a graduated short rate table: it keeps 8% of your premium for a cancellation in the first three days and steps up to 100% at day 350. To estimate your refund, find the row matching your days in force, read the “earned” percentage, and subtract that share from your annual premium.

On a $1,200 policy cancelled after 90 days, Desjardins keeps about 36% ($432), leaving a $768 refund. A pro rata refund for the same period would return roughly $904 — so the short rate penalty here is about $136. At the same point the standard industry table retains 31%.

How to cancel your Desjardins policy

Desjardins handles cancellations by phone, in English or French, or through your Desjardins agent. Ask for a cancellation quote before you commit so the retained premium and the effective date are confirmed.

1Call 1-888-277-8726 (English/French)
2Or contact your Desjardins agent
3Provide your policy number
4Request a cancellation quote first
5Confirm in writing (email or letter)

Your payment method drives most of the wait. Ask the Desjardins representative handling the cancellation when the money will be released and whether it returns by direct deposit or by cheque.

Desjardins Insurance Short Rate Schedule

Based on $1200 annual premium

Your Annual Premium ($)

Find your day

Days in Force	Earned %	Refund
1–3 days	8%	$1,104
4–7 days	9%	$1,092
8–11 days	11%	$1,068
12–15 days	12%	$1,056
16–19 days	14%	$1,032
20–23 days	16%	$1,008
24–26 days	18%	$984
27–30 days	19%	$972
31–34 days	21%	$948
35–38 days	22%	$936
39–42 days	23%	$924
43–46 days	24%	$912
47–49 days	25%	$900
50–53 days	26%	$888
54–57 days	27%	$876
58–61 days	28%	$864
62–65 days	29%	$852
66–69 days	30%	$840
70–73 days	31%	$828
74–76 days	32%	$816
77–80 days	33%	$804
81–84 days	34%	$792
85–88 days	35%	$780
89–92 days	36%	$768
93–96 days	37%	$756
97–99 days	38%	$744
100–103 days	39%	$732
104–107 days	40%	$720
108–111 days	41%	$708
112–115 days	42%	$696

Days in Force	Earned %	Refund
116–119 days	43%	$684
120–122 days	44%	$672
123–126 days	45%	$660
127–130 days	46%	$648
131–134 days	47%	$636
135–138 days	48%	$624
139–142 days	49%	$612
143–146 days	50%	$600
147–149 days	51%	$588
150–153 days	52%	$576
154–157 days	53%	$564
158–161 days	54%	$552
162–165 days	55%	$540
166–169 days	56%	$528
170–172 days	57%	$516
173–176 days	58%	$504
177–180 days	59%	$492
181–184 days	60%	$480
185–188 days	61%	$468
189–192 days	62%	$456
193–195 days	63%	$444
196–199 days	64%	$432
200–203 days	65%	$420
204–207 days	66%	$408
208–211 days	67%	$396
212–215 days	68%	$384
216–219 days	69%	$372
220–222 days	70%	$360
223–226 days	71%	$348
227–230 days	72%	$336

Days in Force	Earned %	Refund
231–234 days	73%	$324
235–238 days	74%	$312
239–242 days	75%	$300
243–245 days	76%	$288
246–249 days	77%	$276
250–253 days	78%	$264
254–257 days	79%	$252
258–261 days	80%	$240
262–265 days	81%	$228
266–268 days	82%	$216
269–272 days	83%	$204
273–276 days	84%	$192
277–280 days	85%	$180
281–284 days	86%	$168
285–288 days	87%	$156
289–292 days	88%	$144
293–296 days	89%	$132
297–299 days	90%	$120
300–303 days	91%	$108
304–307 days	92%	$96
308–311 days	93%	$84
312–315 days	94%	$72
316–318 days	95%	$60
319–326 days	96%	$48
327–334 days	97%	$36
335–341 days	98%	$24
342–349 days	99%	$12
350–365 days	100%	$0

How Desjardins compares

Retained share of the annual premium, Desjardins against the standard industry short rate table used by Aviva, CAA, Pembridge and others: day 30, 19% against 15%; day 90, 36% against 31%; day 180, 59% against 54%; day 300, 91% against 86%. A pro rata split retains 8.2%, 24.7%, 49.3% and 82.2% at the same points. Among the other insurers with their own schedules, Intact retains 34% at day 90 and TD 36%. The day-by-day figures for every insurer are on our short rate table.

Desjardins also applies pro rata rather than short rate in the situations its rules define, one of which is a cancellation initiated by the insurer. Ask which basis applies to your cancellation when you request the quote, since that determines whether any short rate penalty is charged.

Before you cancel

The gap narrows over the term — the difference between Desjardins' schedule and pro rata is 10.8 points of the annual premium at day 30, 9.7 points at day 180 and 8.8 points at day 300, and the retained share reaches 100% at day 350.
Multi-policy discounts — a discount that depends on holding more than one Desjardins policy may end when one of them is cancelled; Desjardins can confirm the effect on the remaining policy.
Two underwriting companies — Certas Home and Auto Insurance Company outside Quebec and Desjardins General Insurance Inc. in Quebec; the cancellation quote comes from the company named on your policy.

Frequently Asked Questions

How much is the Desjardins Insurance cancellation fee?

Desjardins does not charge a flat fee — the cost is built into a short rate refund. On a $1,200 annual policy cancelled after 90 days, Desjardins keeps about 36% ($432) and refunds $768. A pro rata refund would return about $904, so the short rate penalty in this example is around $136.

Does Desjardins charge a separate cancellation fee?

No. There is no standalone administrative fee. Desjardins applies a short rate calculation that keeps a larger share of your premium than a day-by-day (pro rata) split would, and refunds the rest.

How do I cancel my Desjardins Insurance policy?

Call Desjardins at 1-888-277-8726 (service is available in English and French) or contact your Desjardins agent. Have your policy number ready, ask for a cancellation quote first, and confirm the effective date in writing.

Who underwrites Desjardins Insurance home and auto policies?

Outside Quebec, Certas Home and Auto Insurance Company; in Quebec, Desjardins General Insurance Inc. Both belong to Desjardins General Insurance Group, the property and casualty subsidiary of Desjardins Group, a financial cooperative founded in 1900. The insurance subsidiary was created in 1944 and acquired State Farm’s Canadian operations on January 1, 2015.

How long does a Desjardins refund take?

It depends on how the refund is issued: a direct deposit is applied through your billing, while a cheque has to be printed and mailed. Desjardins does not publish a turnaround, so ask the representative handling your cancellation for an expected date.

Sources & Verification

·Verified against Desjardins' published short rate cancellation table.
·Desjardins customer service line (1-888-277-8726) for current cancellation channels.
·Company facts (founding, ownership, underwriting companies, premiums, members and employees) from desjardins.com and Desjardins Group’s fourth-quarter 2025 results; see docs/carrier-facts.md in the site repository for the full ledger.
·Reviewed by the CostExpert editorial team. Figures are estimates — confirm your exact refund with Desjardins before cancelling.

Reviewed by CostExpert Editorial Team · Last verified September 2026

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