Beneva Car Insurance: Is It Worth It? Our 2025 Review
Our expert's review on Beneva
Beneva car insurance provides a modern and highly flexible offering, notable for its customizable plans and strong options. The core coverage includes robust civil liability limits of $1M or $2M, while optional "Two-way" insurance protects your own vehicle with adjustable deductibles, including a decreasing deductible for claim-free years and a $0 deductible option. Reimbursement is enhanced with valuable add-ons like replacement cost for new cars and a purchase price option for used vehicles, alongside unique benefits like claim forgiveness and post-accident psychological support.
Against its main competitors, Beneva stands out as a competitive and forward-thinking choice, offering excellent value, particularly for those bundling policies or driving eco-friendly cars.
This insurance is especially well-suited for drivers of electric and hybrid vehicles, individuals looking for significant savings through bundling, and motorists who value customizable protection like claim forgiveness.
Beneva offers 24/7 claims filing through its app, online, or by phone, though reimbursement times vary depending on the complexity of the claim.
- ✅Up to 15% discount for electric/hybrid vehicles.
- ✅Bundling savings up to $600 per year.
- ✅Flexible deductible choices, including a $0 option.
- ✅Available claim forgiveness protection.
- ✅Free psychological support after an accident.
- ✅24/7 claims service and roadside assistance.
- ✅Replacement cost option for new vehicles.
- ❌Potential for premium increases at renewal.
- ❌EV charging equipment under home insurance, not auto.
- ❌Variable reimbursement times based on claim complexity.
- ❌Mid-term cancellation may involve penalties.
- ❌Roadside assistance as a paid add-on.
Score- ✅Up to 15% discount for electric/hybrid vehicles.
- ✅Bundling savings up to $600 per year.
- ✅Flexible deductible choices, including a $0 option.
- ✅Available claim forgiveness protection.
- ✅Free psychological support after an accident.
- ✅24/7 claims service and roadside assistance.
- ✅Replacement cost option for new vehicles.
Our expert's review on Beneva
- ✅Up to 15% discount for electric/hybrid vehicles.
- ✅Bundling savings up to $600 per year.
- ✅Flexible deductible choices, including a $0 option.
- ✅Available claim forgiveness protection.
- ✅Free psychological support after an accident.
- ✅24/7 claims service and roadside assistance.
- ✅Replacement cost option for new vehicles.
- ❌Potential for premium increases at renewal.
- ❌EV charging equipment under home insurance, not auto.
- ❌Variable reimbursement times based on claim complexity.
- ❌Mid-term cancellation may involve penalties.
- ❌Roadside assistance as a paid add-on.
Score- ✅Up to 15% discount for electric/hybrid vehicles.
- ✅Bundling savings up to $600 per year.
- ✅Flexible deductible choices, including a $0 option.
- ✅Available claim forgiveness protection.
- ✅Free psychological support after an accident.
- ✅24/7 claims service and roadside assistance.
- ✅Replacement cost option for new vehicles.
Against its main competitors, Beneva stands out as a competitive and forward-thinking choice, offering excellent value, particularly for those bundling policies or driving eco-friendly cars.
This insurance is especially well-suited for drivers of electric and hybrid vehicles, individuals looking for significant savings through bundling, and motorists who value customizable protection like claim forgiveness.
Beneva offers 24/7 claims filing through its app, online, or by phone, though reimbursement times vary depending on the complexity of the claim.
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The Beneva car insurance guarantees
Beneva offers both standard “civil liability only” plans and more comprehensive “two-way” packages, which add cover for collision, theft, fire, vandalism, and glass breakage, all matched to Quebec’s legal requirements and local practices.
The all-inclusive plans can be customized with advantageous options such as replacement cost coverage for new cars, travel expense reimbursement, claim forgiveness, and competitive support for electric/hybrid vehicles, including dedicated discounts.
Deductibles and coverage limits are flexible to suit your needs, and direct payment to the repair shop is most often available—no up-front outlay beyond your chosen deductible.
The $0 deductible, decreasing deductible, and psychological support after an accident are modern benefits that enhance the overall value compared with the majority of the Canadian market.
Optional add-ons like extended roadside assistance, legal advice, or the replacement vehicle benefit further enhance contract flexibility but should be selected to fully align coverage with your individual profile and expectations.
| Warranty name | Civil Liability Only Plan | Two-Way Plan | À la carte options |
|---|---|---|---|
| Formula positioning | Basic legal coverage | Comprehensive cover | Optional modules |
| Type of cover | Third-party liability | Liability + own vehicle damages | Add-on benefits |
| Reimbursement rate (% of damages covered) | 100% up to liability limit | 100% up to insured value | NC |
| Annual reimbursement ceiling | $1M or $2M per event | $1M or $2M liability; value of car | Varies by option |
| Policy excess (per claim and/or annually) | No deductible for liability | $250–$1000 typical; $0 optional | NC |
| Waiting period (before cover) | Immediate on payment | Immediate on payment | NC |
| Minimum/maximum age for subscription | NC | NC | NC |
| Prior risk assessment | Driving history, credit check | Driving history, credit check | NC |
| Payment facilities | Monthly, annual | Monthly, annual | NC |
| Advance payment of claim-related costs | Direct payment for most claims | Direct payment possible; else reimbursed | NC |
| Compensation at purchase/agreed/replacement value | Actual cash value | Replacement value option for new cars; purchase price for used | NC |
| Third-party liability (bodily/property) | ✅ $1M or $2M limit | ✅ $1M or $2M limit | NC |
| Own vehicle damage (collision) | ❌ | ✅ Optional | NC |
| Theft of vehicle (partial/total) | ❌ | ✅ Optional | NC |
| Fire (accidental/criminal) | ❌ | ✅ Optional | NC |
| Broken glass (windscreen, etc.) | ❌ | ✅ Optional | NC |
| Natural disasters (hail, flood, storm, etc.) | ❌ | ✅ Optional | NC |
| Acts of vandalism | ❌ | ✅ Optional | NC |
| All-risks damage (accidents any cause) | ❌ | ✅ With comprehensive cover | NC |
| Driver personal injury cover | SAAQ provincial plan only | SAAQ provincial plan only | NC |
| Passenger injury cover | SAAQ provincial plan only | SAAQ provincial plan only | NC |
| Legal assistance (basic phone aid) | ✅ By phone included | ✅ By phone included | ✅ Stand-alone or package |
| Vehicle accessories/modifications | NC | NC | NC |
| Personal belongings inside the vehicle | NC | NC | NC |
| Child equipment | NC | NC | NC |
| Replacement vehicle (during repairs/total loss) | ❌ | ✅ Optional | Optional with travel costs |
| Towing/roadside assistance | ❌ | ❌ | ✅ Add-on, 24/7 Canada/US |
| Use abroad (legal minimum out of Quebec) | ✅ $2M recommended for US | ✅ $2M recommended for US | NC |
| Vehicle use for professional purposes | NC | NC | NC |
| Driving other vehicles | NC | NC | ✅ Borrowed/rented vehicle add-on |
| Trailer or caravan towing cover | NC | NC | NC |
*NC: Not communicated by the sources consulted. Some benefits (e.g. liability) may be subject to sub-limits or exclusions per contract. À la carte options include travel costs, claim forgiveness, replacement cost, legal consultation, and roadside assistance, each with distinct ceilings or restrictions.*
Good to know
Beneva offers a fully digital client area and mobile application for quotes and claims, paperless policy management, psychological support after accidents, discounted rates for electric/hybrid vehicles, and 24/7 roadside assistance as an add-on. Claims can be made entirely online, and courtesy vehicle coverage is available when selected. Beneva also provides legal assistance by phone and flexible payment options to cater to a variety of client needs.
{{hellopage_topice}} Car Insurance Exclusions
Beneva excludes all claims resulting from illegal use of the vehicle, including unlicensed driving, use for paid transport without declaration, or participation in races and competitions.
Wear and tear, mechanical breakdown, and damage due to defective maintenance are not covered, nor are personal items or accessories not permanently attached to the vehicle.
Damage arising outside covered territories is excluded unless specifically stated in the contract. A distinctive exclusion from Beneva compared to many competitors is the explicit non-coverage of electric vehicle charging stations and cables under the car insurance policy—they must be insured under home insurance.
Certain add-ons may also be subject to their own exclusions, which should be checked in each contractual endorsement.
| Exclusions | Details |
|---|---|
| Exclusions linked to vehicle use | Use for illegal purposes or participation in racingPaid transport unless declared |
| Exclusions linked to the driver | Unlicensed driver or driving under influenceUnauthorized user |
| Technical exclusions | Wear and tear or mechanical breakdownDefective maintenance |
| Exclusions for personal property & accessories | Personal belongings or non-attached items not coveredAftermarket equipment unless permanently installed |
| Geographical exclusions | Damage outside covered territory unless specifiedInternational use (limits apply) |
| Contractual/coverage exclusions | Damage from war, terrorism, or nuclear risksExclusions specific to certain add-ons |
| Exclusions specific to eco-vehicles | EV charging stations and cables not covered (see home insurance)Some equipment not included |
The Cost of Beneva Car Insurance
Beneva positions itself as a competitive player in the Quebec car insurance market, offering solid baseline coverage with many optional add-ons that allow customers to tailor policies to their needs. Its decreasing deductible for every claim-free year, strong support for electric and hybrid vehicles, and practical modules like roadside assistance enhance overall value without pushing premiums to the top of the scale.
Although Beneva’s pricing is rarely the lowest, especially for young or high-risk driver profiles, its digital services and flexible add-ons give it a cost advantage compared to traditional insurers with less online functionality. For standard and eco-friendly drivers, Beneva is generally mid-range or slightly below, thanks to telematics discounts and bundling savings.
However, those seeking minimum legal coverage only may find more economical choices elsewhere, while Beneva's main strengths are the quality and breadth of its optional features.
| Base (Civil liability only) | Two-way (Collision + comprehensive) | All-risk (Full protection with options) | |
|---|---|---|---|
| Young driver (18-24 y, compact vehicle) | $62/month | $102/month | $128/month |
| Standard driver (35-45 y, intermediate vehicle) | $38/month | $67/month | $81/month |
| Senior driver (60-70 y, city car) | $29/month | $48/month | $56/month |
| Driver with at-fault claim within 3 years | $75/month | $128/month | $152/month |
| New SUV driver | $44/month | $79/month | $93/month |
| Driver with over 25,000km/year | $47/month | $85/month | $98/month |
For the best rate, compare multiple quotes according to your profile and coverage needs:
Compare the best car insurance plans for free!Start comparingBeneva Car Insurance Discount Codes
| Promotional codes Beneva | Details |
|---|---|
| HelloSafe promotional code | Value -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with Beneva
| Claim or service | Average cost in CA$ | Civil Liability (mandatory) | Comprehensive plan (“Two-way” + options, highest ceiling) |
|---|---|---|---|
| Replacement after theft (total loss) | $20,000 | ❌ | Up to insured value (excluding excess) |
| Repair after at-fault accident (major damage) | $7,500 | ❌ | Up to insured value (excluding excess) |
| Windshield replacement | $650 | ❌ | Up to insured value (excluding excess) |
| Roadside assistance (towing + battery boost) | $175 | ❌ | Up to contract limit (excluding excess; covered if roadside assistance added) |
| Car rental during repairs | $500 | ❌ | Up to contract limit (excluding excess; covered if Loss of Use or Travel Costs option added) |
Beneva Car Insurance Assistance
Beneva stands out for its accessible 24/7 roadside assistance, available in both Canada and the USA (except Alaska and Hawaii), making it easy for policyholders to get rapid help in case of breakdown or emergency.
The inclusion of 0 km home assistance and towing, even from the policyholder’s residence, ensures support without distance limitations, surpassing many competitors that apply minimum thresholds.
A temporary replacement vehicle is available during repairs after a covered loss, although it is not granted for simple breakdowns and may require activation of an optional module for full benefit.
While legal assistance by phone is included, support for alternative accommodation and transport is limited to trip interruption scenarios and does not cover all incidents far from home.
Aid specific to electric vehicles, such as out-of-charge rescue, is not explicitly provided and key, lock, or pet assistance are also notably absent from the core or optional offers.
| Support Beneva | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Emergency breakdown assistance 24/7 Coverage in Canada/USA (excl. Alaska/Hawaii) Up to 4 calls/year |
| Towing to repair facility / Extended towing | ✅ | Towing to nearest repair facility Distance limits set by contract |
| Assistance from home (0 km) | ✅ | Assistance begins at your home, no minimum distance required |
| Replacement vehicle | ✅ | Temporary vehicle provided during repairs after covered loss Must be included in contract or selected network shop |
| Alternative transport or accommodation | ✅ | Covered during trip interruption if breakdown occurs while travelling away from home |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ❌ | Coverage limited to Canada/USA (excl. Alaska/Hawaii) |
| Assistance for electric vehicles | ❌ | No specific support for EVs (battery coverage and charging station excluded) |
| Battery assistance & fuel misfuelling | ✅ | Battery boost and fuel delivery included in roadside assistance |
| Legal assistance after an accident | ✅ | Free legal advice by phone |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ❌ | N.C. |
Coverage in Canada/USA (excl. Alaska/Hawaii)
Up to 4 calls/year
Distance limits set by contract
Must be included in contract or selected network shop
Customer feedback on Beneva car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 2.6/5 (154 reviews) |
We have analyzed the reviews on the above-mentioned site:
- ✅ Pros:
- The competitive price, especially for bundled home and auto insurance, is regularly mentioned as a key advantage by many policyholders.
- There is frequent appreciation for the ease of managing claims online and via the mobile app, streamlining the administrative process.
- Customers often cite responsive support and availability of customer service representatives, both by phone and online.
- Fast and transparent contract setup, with clear documentation and digital access, is viewed positively by new subscribers.
- ❌ Cons:
- Many customers report recurring premium increases at renewal, sometimes without clear explanation.
- There are multiple complaints about delays in reimbursement or final claim closure, particularly for more complex or high-value cases.
- Some policyholders highlight difficulties in claim adjustment or disputes over repair estimates and settlements.
- Communication issues, such as lack of updates during claims processing or ambiguous contract terms, frustrate a number of users.
How do I contact Beneva?
| Customer service Beneva | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Phone: 1-855-747-7712 (Mon-Fri 8am-8pm) Website: https://www.beneva.ca/en/car-insurance |
| To report a claim | Phone: 1-855-747-7711 (24/7) Online: Client Centre or mobile app Prepare policy number, accident details, and police report if required. |
| To request and track a refund | Phone: 1-855-747-7711 Online: Client Centre or app Provide claim number and relevant documents. Refunds are made by cheque or direct deposit; average reimbursement period varies by claim but is typically within a few business days. |
| To obtain an insurance certificate | Phone: 1-855-747-7712 (Mon-Fri 8am-8pm) Online: Client Centre Email: info@beneva.ca |
| To contact assistance | Roadside assistance: Text BENEVA to 1-833-878-0424 or call 1-866-833-0333 (24/7) For legal or general assistance: Phone: 1-855-747-7712 or email: info@beneva.ca |
| To cancel my contract | Phone: 1-855-747-7712 Email: info@beneva.ca Notice period: none; immediate effect is possible, but cancelling at renewal is recommended to avoid penalties. Required: written request, policy number, proof of new insurance if required. |
Phone: 1-855-747-7712 (Mon-Fri 8am-8pm)
Website: https://www.beneva.ca/en/car-insurance
Online: Client Centre or mobile app
Prepare policy number, accident details, and police report if required.
Online: Client Centre or app
Provide claim number and relevant documents.
Refunds are made by cheque or direct deposit; average reimbursement period varies by claim but is typically within a few business days.
Online: Client Centre
Email: info@beneva.ca
For legal or general assistance: Phone: 1-855-747-7712 or email: info@beneva.ca
Email: info@beneva.ca
Notice period: none; immediate effect is possible, but cancelling at renewal is recommended to avoid penalties.
Required: written request, policy number, proof of new insurance if required.
FAQ
Do I have to pay in advance for repairs or assistance with Beneva?
Beneva typically works directly with partner garages from its network, so you do not have to pay in advance for repairs—Beneva handles payment directly with the shop. If you choose your own garage, you may need to pay first and then request reimbursement. For roadside assistance, Beneva covers costs upfront through its contracted providers, subject to your plan.
How do I cancel my car insurance contract with Beneva?
To cancel your car insurance with Beneva, contact their customer service by phone or online with at least 30 days’ notice and provide proof of alternative insurance or a completed cancellation request form. The process is straightforward and customer service will indicate if additional documents are required.
Am I entitled to a rental vehicle while my car is being repaired?
If your Beneva policy includes “Loss of Use” coverage or you use a garage from the Beneva network, you are entitled to a rental vehicle at no extra cost while your car is being repaired after a covered loss. The type and length of rental provided may depend on your specific policy and the repair duration.
Can I choose my own repair shop or do I have to go to a Beneva partner?
With Beneva, you have the flexibility to choose any repair shop for vehicle repairs. However, selecting a partner garage from the Beneva network often brings advantages, such as direct billing, a guaranteed replacement vehicle, and a lifetime guarantee on the repairs performed.
What discounts are available with Beneva car insurance?
Beneva offers several discounts on its car insurance contracts, including up to 15% savings for electric or hybrid vehicles, a $50 rebate for installing a charging station, multi-policy discounts for bundling with home insurance, and a decreasing deductible for every claim-free year. Specific eligibility and discount rates depend on your profile and coverage choices.
How do I file a claim and what documents are needed?
You can file a claim with Beneva 24/7 through your online Client Centre, mobile app, or by phone. To process your claim, have ready your policy number, details of the incident, a police report if required, and any photos or proof of loss. The claims team will guide you through additional steps and documentation if needed.
Do I have to pay in advance for repairs or assistance with Beneva?
Beneva typically works directly with partner garages from its network, so you do not have to pay in advance for repairs—Beneva handles payment directly with the shop. If you choose your own garage, you may need to pay first and then request reimbursement. For roadside assistance, Beneva covers costs upfront through its contracted providers, subject to your plan.
How do I cancel my car insurance contract with Beneva?
To cancel your car insurance with Beneva, contact their customer service by phone or online with at least 30 days’ notice and provide proof of alternative insurance or a completed cancellation request form. The process is straightforward and customer service will indicate if additional documents are required.
Am I entitled to a rental vehicle while my car is being repaired?
If your Beneva policy includes “Loss of Use” coverage or you use a garage from the Beneva network, you are entitled to a rental vehicle at no extra cost while your car is being repaired after a covered loss. The type and length of rental provided may depend on your specific policy and the repair duration.
Can I choose my own repair shop or do I have to go to a Beneva partner?
With Beneva, you have the flexibility to choose any repair shop for vehicle repairs. However, selecting a partner garage from the Beneva network often brings advantages, such as direct billing, a guaranteed replacement vehicle, and a lifetime guarantee on the repairs performed.
What discounts are available with Beneva car insurance?
Beneva offers several discounts on its car insurance contracts, including up to 15% savings for electric or hybrid vehicles, a $50 rebate for installing a charging station, multi-policy discounts for bundling with home insurance, and a decreasing deductible for every claim-free year. Specific eligibility and discount rates depend on your profile and coverage choices.
How do I file a claim and what documents are needed?
You can file a claim with Beneva 24/7 through your online Client Centre, mobile app, or by phone. To process your claim, have ready your policy number, details of the incident, a police report if required, and any photos or proof of loss. The claims team will guide you through additional steps and documentation if needed.
