Code of consumer rights and responsibilities

Date of last update: August 23, 2022

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Our commitment to you

For more information on your rights and responsibilities as a consumer when shopping for insurance, consult the Code of Consumer Rights and Responsibilities, which has been developed by the Insurance Bureau of Canada.

Should you have any questions, please write to:

  • Client Complaint Management Centre
  • The Personal Insurance Company
  • P.O. Box 7065, Station A
  • Mississauga (Ontario)  L5A 4K7


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.


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 General Insurance Inc.
  • The employees or members of our partner groups through The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other Canadian provinces and territories
  • Individuals and small businesses through Certas Home & Auto and its agents in Ontario, Alberta and New Brunswick.

The Personal Pet Insurance Program is underwritten by Petline Insurance Company.

The Personal Travel Insurance Program is offered to participants of groups that have a partnership agreement with The Personal Insurance Company that includes The Personal Travel Insurance Program 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.