Cancel Desjardins: Easy Method

What is Desjardins

Desjardins is a large Canadian financial cooperative offering banking, insurance, investment and related services to individuals and businesses. It operates product lines such as personal and commercial insurance, brokerage services, and mobile/online banking tools.

This guide explains how to cancel Desjardins products and services from the perspective of a user in Nigeria, summarising official processes, likely refunds, consumer-rights considerations and practical steps to complete a cancellation.

Scope of this guide

The guide covers common Desjardins product types highlighted in public sources: insurance (car, home, RV), pet insurance, travel insurance, and online brokerage/internet services.

Limitations

Processes and rights vary by product and contract. Desjardins does not publish a single platform-specific cancellation path (App Store / Google Play / Web) and many cancellations are product-dependent.

How to cancel Desjardins

Cancel insurance (car, home, RV)

• Call Desjardins Insurance customer service at 1‑888‑277‑8726 to request cancellation and specify the effective cancellation date.
• You may also cancel by mail (send a signed cancellation request to the insurer address on your policy) - keep a copy and request written confirmation.
• Ask for a written acknowledgement that states the cancellation date and any next steps.

Cancel pet and travel insurance

• Pet insurance: call Petline at 1‑855‑343‑9393 during the hours noted by Desjardins to cancel.
• Travel insurance: call 1‑855‑368‑6924 during the stated hours to request cancellation.
• Confirm the cancellation in writing (email or postal) and keep proof of the request.

Cancel online brokerage / internet service

• Notify Desjardins no later than the day before the last working day of the month if you want to avoid being charged for the following month.
• Obtain confirmation of termination in writing and check account closure procedures for transfers or settled positions.

App Store / Google Play / Web subscriptions

• No platform-specific cancellation policy was located publicly; Desjardins cancellation processes are product-dependent rather than tied to app-store subscriptions.
• If you purchased via an app store, also check Apple/Google subscription settings in your store account and their refund rules.

What happens when you cancel

Access and coverage

Coverage ends on the cancellation effective date you choose or the date processed by Desjardins. For insurance, confirm whether coverage ends at midnight of that date or another specific time.

Renewal and future charges

Cancellation at policy renewal usually avoids penalties. Mid‑term cancellations can trigger fees and pro‑rated adjustments.

Confirmation and records

Desjardins will normally send written confirmation of cancellation. Keep this confirmation and any reference numbers for follow-up or disputes.

Will I get a refund?

Insurance refund rules

• If you cancel on the policy renewal date, typically there is no cancellation penalty and no reduction beyond normal renewal rules.
• Mid‑term cancellations may result in a pro‑rated refund, but fees or administrative charges can be applied before any refund is issued.

Unauthorized transactions and disputes

• Desjardins offers Zero‑Liability protection for many card transactions; timely reporting of fraud or disputes may lead to a full refund (chargeback) if requirements are met.
• Report unauthorized transactions promptly and cooperate with any investigations to preserve refund eligibility.

Statutory and general notes

There is no publicly stated universal 14‑day cooling‑off or refund right in Desjardins’ public policies. Refunds and rights vary by product and contract.

Desjardins plans and pricing

Overview

Publicly available, country‑specific pricing for Nigeria is not provided for most Desjardins services. Product pricing is typically determined by the product type, risk factors and local currency.

Pricing table

Your consumer rights in Nigeria

General guidance

Consumer rights and protections for financial products used from Nigeria depend on the type of product and where the contract is governed.

If the contract is governed by Canadian law or the insurer’s Canadian terms, you should check those contractual rights as well as any cross‑border provisions.

Nigerian authorities and steps

• For local consumer issues, consider checking the Federal Competition and Consumer Protection Commission (FCCPC) for guidance on domestic consumer protections.
• Retain all contract documents, communications and proof of payments to support complaints or disputes.

Practical rights to expect

• For insurance: the right to cancel subject to policy terms, pro‑rata refunds, and disclosure of fees.
• For cards and bank accounts: dispute/chargeback options and fraud protection such as Zero‑Liability when available.

Customer experiences

Positive feedback

Some customers have praised individual Desjardins advisors for professionalism, respect and trustworthy service in specific interactions.

Negative feedback

• Frequently reported issues include long hold times, poor customer service, delays in refunds and claims, and difficulty getting transparent answers.
• Other complaints describe slow claim handling, unexpected fee changes and problems with account transfers or returns.

How to use these reports

Balance reviews by verifying your specific contract terms and obtaining written confirmations for cancellations and refunds.

Document each contact and escalate if written confirmations or refunds are delayed beyond expected timeframes.

Documentation checklist

Core documents to prepare

• Policy number, product name and effective dates.
• Certificate of insurance or policy document copy.
• Personal identification used on the policy (name, DOB, address).

Supporting evidence

• Proof of payment or bank statements showing premium payments.
• Previous correspondence with Desjardins (emails, letters, notes of phone calls with dates and agent names).
• For fraud disputes: transaction details, dates, merchant names and any supporting bank/card records.

How to submit

• Have printed or electronic copies ready before you call or mail a cancellation request.
• Request and keep written confirmation of cancellation and any refund calculations.

Common mistakes

Assuming app or platform cancellation is sufficient

Many users assume cancelling a mobile app subscription or deleting an app cancels the underlying product. Desjardins’ product cancellations are usually done by product channel (phone or mail) and not by simply removing an app.

Not requesting written confirmation

Failing to obtain written confirmation of the cancellation date or refund calculation can lead to disputes and unexpected charges.

Missing deadlines or policy details

For services such as brokerage, notifying after the deadline (for example, missing the day‑before‑month‑end cutoff) can result in an extra month’s charge.

For insurance, cancelling mid‑term without checking fees can reduce any refund due to administrative charges.

Comparative recap

Quick channel comparison

After cancelling

Immediate next steps

• Obtain and save the written confirmation of cancellation and any refund calculation.
• Monitor your bank or card statements for expected refunds or unexpected charges.

How to follow up

• If a refund is delayed, contact the same phone number used to cancel and quote the confirmation reference.
• If fraud or an unauthorized charge is involved, file the dispute promptly and keep all correspondence.

Useful links

• Desjardins main site - start point for product pages and contact information.
• Desjardins Insurance (general) - product help and contact links.
• Federal Competition and Consumer Protection Commission (FCCPC) - Nigeria consumer‑protection information.

Address

Head office

Fédération des caisses Desjardins du Québec

100, avenue des Commandeurs, Lévis (Québec) G6V 7N5

Useful phone contacts

• General insurance cancellations: 1‑888‑277‑8726
• Pet insurance (Petline): 1‑855‑343‑9393
• Travel insurance: 1‑855‑368‑6924