How to Get Cash Back on Your Desjardins Insurance bill

What is Desjardins Insurance?

Desjardins Insurance bills average around $130/month for a typical household. Car and home policies are underwritten by Certas Home and Auto Insurance Company, so the bank payee is Certas, not Desjardins. The FAQ also lists Certas H&A / DFS and Desjardins Financial Security as names that can appear on statements for other products. Payments can take up to 3 business days to show in the online account.

How to Get Cash Back on Your Desjardins Insurance Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add Desjardins Insurance as a payee: search "Desjardins Insurance" in Bills. Banks and Neobanc list it as Certas Home and Auto Ins. Co..
3. Enter your policy number: 8-digit policy number, see below for exactly where to find it.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your Desjardins Insurance Policy Number

Format: 8-digit policy number. The policy number is printed on your policy documents and renewal notice, and in Online Services under the Payment section where each policy is listed by its policy number.

Verified against www.desjardins.com, September 2026.

Can I Pay Desjardins Insurance With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $130/month Desjardins Insurance bill, that's roughly $62 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your Desjardins Insurance Bill

Average $130/month: a 2% cash-back card returns about $2.60/month, and Neobanc adds $1.30 to $2.60 on top, roughly $62 per year for switching how you pay, not what you pay.

How do I save the most on my Desjardins Insurance bill each month?

Change how you pay before what you pay. Paying by bank transfer or Pre-authorized payments earns nothing; the same bill through Neobanc with a cash-back card returns about $62 a year. Desjardins does not publish an NSF or late fee amount, but states it may cancel a car, home or RV policy for unpaid premiums after notice by registered mail within legal time limits. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.