Desjardins advertises that their agents know there customers, but Terence has never met or talked to us. He has his staff that answer questions but unless you provide solutions for them to consider it is basically a black hole that is only good at collecting the insurance fees. Today I got a flyer from them in the mail about important information related to my policy. It included a phone number to contact them and ask questions. The system picked up and gave options for existing customers, new customers and claims. I selected existing customer and it went to a busy signal. I called back and selected the option for new customers and it patched me through to a voice mail. So, when I choose the option for new customers it rings through.