Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Desjardins
5‑100, rue des Commandeurs
G6V 7N5 Lévis
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Desjardins service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
14/01/2026
Cancellation Desjardins: Easy Method
What is Desjardins
Desjardins is a Canadian financial group and insurer offering a range of personal and commercial products, including chequing accounts, credit cards, investment services, and multiple insurance lines (auto, home, travel, pet, and specialty coverages). It operates across Canada with headquarters in Quebec and provides phone, online and mail-based customer service channels.
How to cancel Desjardins
- Insurance (car, home, RV): Call Desjardins General Insurance at 1‑888‑277‑8726 or send a written cancellation by mail to the insurer’s address (see “Address” section). State the policy number, the effective cancellation date you want and request confirmation by mail. Cancellations take effect on the date you specify; there is no fee if you cancel on the policy renewal date but fees may apply for mid‑term cancellations. Consider sending cancellation by registered mail to retain proof of delivery.
- Pet insurance: Call Petline customer support at 1‑855‑343‑9393 during the hours specified by Desjardins to request cancellation and confirmation.
- Travel insurance: Call the travel insurance phone line at 1‑855‑368‑6924 during the hours specified by Desjardins to cancel and request written confirmation.
- Online Brokerage (internet service or account): Notify Desjardins to terminate the service no later than the day prior to the last working day of the current month if you wish to avoid being charged for the following month. Obtain and keep written confirmation.
What happens when you cancel
When you cancel a Desjardins product, the practical effects depend on the product type. For insurance: coverage ends on the cancellation date you specify; you should receive a confirmation letter by mail. For banking or brokerage services: access to the cancelled product or online service will be closed per the bank’s procedures and any recurring services will stop after the effective date. Renewal charges will not apply after the cancellation takes effect, provided notice met the required timing (for some services, such as brokerage, you must notify by a specific cut‑off date). Personal data retention and account records are handled according to Desjardins’ privacy policies and applicable law; request written confirmation if you need evidence of the account closure or data handling.
Will I get a refund?
Refunds at Desjardins depend on the context. For insurance cancellations, a prorated refund may be issued if you cancel mid‑term but fees can apply; there is typically no fee if cancellation is on the renewal date. For unauthorized card or online/mobile transactions, Desjardins provides Zero Liability protection and a “Guaranteed 100% Secure” program - if you timely report fraud and cooperate with investigations, you should not be held responsible and a refund is issued. For credit card disputes, if a merchant does not refund you within a reasonable time (for example, after up to 15 days), you may file a dispute with Desjardins to seek a chargeback. There is no single universal statutory 14‑day cancellation right stated in Desjardins’ public policies; refund entitlement is determined case‑by‑case based on the product, timing and the reason for cancellation or dispute.
Desjardins plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Basic | C$3.95 per month | Monthly | Up to 12 transactions per month; free if you maintain a balance of at least C$1,500 |
| Intermediate | C$10.95 per month | Monthly | Up to 30 transactions per month; free if you maintain a balance of at least C$3,000 |
| Unlimited | C$15.95 per month | Monthly | Unlimited transactions per month; free if you maintain a balance of at least C$4,000 |
| Unlimited Plus | C$23.95 per month | Monthly | Unlimited transactions including non‑registered savings withdrawals, Interac and PLUS network ATM withdrawals; free if you maintain a balance of at least C$5,000 |
Your consumer rights in Canada
Canadian consumers have rights that vary by product and by federal/provincial law. For banking and card accounts, consumers can dispute unauthorized transactions and file chargebacks or fraud claims; many issuers (including Desjardins) offer Zero Liability protection for unauthorized card use. Insurance cancellations and refunds are governed primarily by the terms of the insurance contract and applicable provincial insurance regulation; there is no blanket statutory 14‑day cancellation right reflected in Desjardins’ publicly available policies. If you believe a decision is unfair or a refund was wrongly denied, you can pursue internal complaints with Desjardins, escalate to the Ombudsman for Banking Services and Investments (if applicable), or contact your provincial regulator for insurance matters. For specific legal advice about rights and remedies, consult a licensed lawyer or consumer protection office.
Customer experiences
Public reviews of Desjardins are mixed. Some customers report quick and professional service from individual agents and teams that restored trust through helpful interactions. However, negative feedback includes very long hold times and difficulty reaching support, delayed or denied claims (including medical and travel claim frustrations), unexpected price increases or quotes not being honored, slow transfers of funds and reports of rude or unhelpful staff. Individual experiences can vary by branch, product and case complexity; keeping clear records and seeking written confirmations can reduce friction.
Documentation checklist
- Policy or account number and product name
- Full name, address and contact phone/email
- Government photo ID copy (where required)
- Requested cancellation effective date and reason for cancellation
- Signed cancellation request (physical or electronic signature)
- Proof of mailing (registered mail receipt) or call reference number
- Claim numbers or dispute reference numbers (if relevant)
- Banking details for any refund (void cheque or account info)
Common mistakes
Common errors include failing to specify the exact cancellation effective date (leading to unwanted charges), relying solely on verbal confirmations without written proof, not meeting the required notice cutoff (for example, missing the brokerage’s “day prior to last working day” deadline and being charged for another month), and not keeping proof of delivery (registered mail receipts) or confirmation letters. Another frequent issue is assuming automatic refunds on mid‑term cancellations; always check whether a prorated refund or administrative fees apply and request a written breakdown.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Insurance (phone or mail) | Possible prorated refund; no fee if on renewal date, fees may apply mid‑term | Medium |
| Pet insurance (Petline phone) | Depends on policy terms and timing; contact Petline for specifics | Low - Medium |
| Travel insurance (phone) | Depends on coverage start and policy terms; early cancellations may be prorated | Medium |
| Online Brokerage termination (notice deadline) | Not typically a refund issue - avoid extra month’s fee by meeting cut‑off | Medium |
| Fraud / unauthorized transactions (report + investigation) | Zero Liability / Guaranteed programs: refund expected if timely reported and cooperated | Low |
| Credit card dispute (merchant didn’t refund) | Chargeback possible after merchant fails to refund; depends on evidence | Medium |
After cancelling
After you cancel, keep all confirmation letters, registered mail receipts and any reference numbers. Monitor bank accounts and statements for promised refunds or for any post‑cancellation charges. If you have a dispute over refunds or service handling, use Desjardins’ complaint channels first and retain documentation; if unresolved, consider external dispute bodies or provincial regulators. For more information or to access Desjardins’ product pages and contact details, see the official site: Desjardins, Desjardins Insurance, Travel Insurance, Pet Insurance, and Contact Desjardins.
Address
Desjardins General Insurance, 5‑100, rue des Commandeurs, Lévis, Québec G6V 7N5