Jevco Car Insurance Canada: A 2025 Review
Our expert's review on Jevco
Jevco car insurance offers a specialized and essential service within the Ontario market, focusing on non-standard coverage for high-risk drivers. Its offering is structured around mandatory provincial protection, with customizable options rather than fixed formulas, featuring medical benefit ceilings of $65,000 for non-catastrophic and $1,000,000 for catastrophic injuries, and a standard $500 comprehensive deductible. Jevco also provides a minor at-fault accident forgiveness feature, protecting premiums from a single small incident every three years.
Positioned uniquely against standard insurers, Jevco fills a critical gap by providing insurance to those often declined elsewhere, establishing its strength not on price but on accessibility. This insurance is particularly suitable for drivers with a history of multiple claims, licence suspensions, or frequent traffic convictions who struggle to find coverage. As a specialist insurer, Jevco's reliability comes from its focused expertise and broker-centric model, though specific data on financial turnover or average reimbursement times is not publicly detailed.
- ✅Crucial coverage for high-risk drivers
- ✅Access to insurance when declined elsewhere
- ✅Optional increases for key benefits
- ✅Minor at-fault accident forgiveness
- ✅Flexible 6 or 12-month policy terms
- ✅Customizable income replacement options
- ✅Claims managed through expert brokers
- ❌Premiums typically higher than standard rates
- ❌No roadside or breakdown assistance detailed
- ❌Interest charged on monthly payment plans
- ❌No publicly listed standard discounts
- ❌Specific claim reimbursement times not provided
Our expert's review on Jevco
- ✅Crucial coverage for high-risk drivers
- ✅Access to insurance when declined elsewhere
- ✅Optional increases for key benefits
- ✅Minor at-fault accident forgiveness
- ✅Flexible 6 or 12-month policy terms
- ✅Customizable income replacement options
- ✅Claims managed through expert brokers
- ❌Premiums typically higher than standard rates
- ❌No roadside or breakdown assistance detailed
- ❌Interest charged on monthly payment plans
- ❌No publicly listed standard discounts
- ❌Specific claim reimbursement times not provided
Score- ✅Crucial coverage for high-risk drivers
- ✅Access to insurance when declined elsewhere
- ✅Optional increases for key benefits
- ✅Minor at-fault accident forgiveness
- ✅Flexible 6 or 12-month policy terms
- ✅Customizable income replacement options
- ✅Claims managed through expert brokers
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The Jevco car insurance guarantees
Jevco specializes in non-standard auto insurance for high-risk drivers, offering core Ontario coverages including statutory accident benefits, third-party liability from $200,000 upwards, DCPD, and uninsured automobile, with options to increase accident benefits and income replacement. Comprehensive and collision coverages are available—with higher-than-market deductibles ($500 standard for comprehensive)—but eligibility and costs are heavily determined by individual risk profiles, making premiums typically higher than traditional insurers.
The contract is customizable for medical, caregiver, death, and funeral benefits, and indexation or tort deductible reduction can be added, yet optional modules like loss of use, travel, or breakdown services are not mentioned in public content. Policy terms are flexible (6 or 12 months), and payment is possible monthly or in a single instalment with disclosed interest rates. The main strengths are Jevco’s willingness to insure those declined elsewhere and the possibility to enhance benefits, but limitations include limited digital services, little transparency on reimbursements, and minimal ancillary benefits compared to mainstream insurance products.
| Warranty name | Jevco Car Insurance (À la carte/by broker) |
|---|---|
| Formula positioning | High-risk/non-standard, modular cover |
| Type of cover | Statutory accident benefits, liability, DCPD, comprehensive, collision, options |
| Reimbursement rate (% of damages covered) | Up to coverage limits; 100% for eligible claims |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | $65,000 non-catastrophic; $1M catastrophic injuries |
| Policy excess (per claim and/or annually) | $500 comprehensive; variable collision (ask broker) |
| Waiting period (before certain guarantees take effect) | Non-earner: 4 weeks up to 2 years |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Based on driving and claims history |
| Payment facilities | Monthly (Easipay) or single payment; interest applies |
| Advance payment of claim-related costs | Pay deductible or excluded costs at claim |
| Compensation at purchase value/agreed value/replacement value | Actual cash value (standard); options for higher benefit |
| Third-party liability (bodily injury and property damage to others) | $200,000 minimum; can increase |
| Own vehicle damage (collision, regardless of fault) | Optional; add-on |
| Theft of vehicle (partial or total) | Covered under comprehensive |
| Fire (accidental or criminal) | Covered under comprehensive |
| Broken glass (windscreen, windows, sunroof) | Covered under comprehensive |
| Natural disasters (hail, flood, storm, etc.) | Covered under comprehensive |
| Acts of vandalism | Covered under comprehensive |
| All-risks damage (accidents of any cause, including at-fault) | Optional; all perils module available |
| Driver personal injury cover (death, disability, medical expenses) | Standard and optional (see contract) |
| Passenger injury cover | Standard and optional (see contract) |
| Criminal defence and recourse (basic legal aid after an accident) | N.C. |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | N.C. |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | N.C. |
| Personal belongings inside the vehicle (excluding cash and documents) | N.C. |
| Child equipment (seats, pushchairs) | N.C. |
| Replacement vehicle (during repairs or after total loss) | N.C. |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | N.C. |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | N.C. |
| Vehicle use for professional/business purposes (where applicable) | ❌ Unless declared and endorsed |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | N.C. |
| Trailer or caravan towing cover | N.C. |
Good to know
Jevco insurance is primarily arranged through brokers with no direct-to-consumer quoting or claims portals, and is focused on providing access to coverage for drivers declined by most standard insurers; real-time digital account management and app-based claims tracking are not included in the standard offer.
Jevco car insurance exclusions
Jevco applies exclusions typical of Ontario’s standard auto policies, notably refusing all claims arising from criminal acts or intentional damage, which is rigorously enforced for high-risk profiles. Use of the vehicle for commercial purposes, such as ride-sharing or delivery, is excluded unless the policy is specifically endorsed.
Jevco also excludes accidents resulting from unlicensed drivers, drivers under the influence of alcohol or drugs, or excluded drivers—criteria that are strictly applied given the target market. As with most competitors, no coverage is provided for wear and tear, mechanical breakdown, or depreciation.
Unlike some standard insurers, Jevco’s approach to minor accident forgiveness is limited to once every three years and excludes payouts for incidents with less than $2,000 in damages or no injuries.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | Commercial use unless declaredIntentional damageCriminal actsMinor accidents (damages <$2,000) forgiven only once every 3 years |
| Exclusions linked to the driver | Unlicensed driversDrivers under the influenceExcluded drivers |
| Technical exclusions | Wear and tearMechanical failureDepreciation |
| Geographical exclusions | N.C. |
| Contractual exclusions | Claims above coverage limitsDamages not covered under selected policy options |
The Cost of Jevco Car Insurance
Jevco occupies a niche in the Canadian market as a high-risk auto insurer, focusing on clients who may be refused by standard providers due to claims history, suspensions, or multiple convictions.
Premiums are generally higher than those of mainstream competitors, reflecting the elevated risk, and the included coverage is often limited to provincial minimums unless optional benefits are selected.
Deductibles are on par with industry norms, but the cost of adding increased benefits or reducing deductibles can make the policy substantially more expensive.
Service is not digital-first; quotes and claims are managed through brokers, making processes less streamlined than direct or online competitors, which adds to costs.
Overall, Jevco’s offering is best described as “expensive but limited,” suited for drivers seeking basic compliance rather than premium service or comprehensive extras.
| Driver profile | Basic liability only | Liability + comprehensive | Liability + collision | Full coverage (all options) |
|---|---|---|---|---|
| Young driver (18-24 years, compact vehicle) | $205/month | $265/month | $300/month | $340/month |
| Standard driver (35-45 years, intermediate vehicle) | $132/month | $178/month | $192/month | $235/month |
| Senior driver (60-70 years, city car) | $97/month | $145/month | $157/month | $192/month |
| Driver with an at-fault claim within 3 years | $235/month | $338/month | $355/month | $395/month |
| New SUV driver | $175/month | $215/month | $228/month | $275/month |
| Driver with more than 25,000km/year | $170/month | $212/month | $225/month | $265/month |
To secure the lowest rate for your needs, compare multiple providers and coverage options:
Compare the best car insurance plans for free!Start comparingJevco Car Insurance Discount Codes
| Promotional codes Jevco | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with Jevco
| Name of claim or service | Average price (CA$) | Third Party Liability/DCPD | Collision (at-fault accident) | Comprehensive (fire, theft, vandalism) |
|---|---|---|---|---|
| Replacement after theft | $18,000 | ❌ | ❌ | Up to actual cash value (excluding excess), out-of-pocket: $500 excess plus any difference above insured value |
| Repair after at-fault accident | $5,000 | ❌ | Up to actual cash value (excluding excess), out-of-pocket: $500 excess plus any non-covered costs | ❌ |
| Windshield replacement | $500 | ❌ | ❌ | Up to actual cash value (excluding excess), out-of-pocket: $500 excess |
| Medical expenses after bodily injury | $4,000 | Up to $65,000 for non-catastrophic injury (excluding excess), out-of-pocket: costs above limit | Up to $65,000 for non-catastrophic injury (excluding excess), out-of-pocket: costs above limit | Up to $65,000 for non-catastrophic injury (excluding excess), out-of-pocket: costs above limit |
| Fire or vandalism damage repair | $3,500 | ❌ | ❌ | Up to actual cash value (excluding excess), out-of-pocket: $500 excess |
Jevco Car Insurance Assistance
The analysis of Jevco’s assistance services reveals notable gaps for drivers seeking comprehensive breakdown or travel support. There is no evidence of included or optional 24/7 roadside breakdown assistance, towing, or zero-kilometre assistance, even for high-risk drivers who may require these features.
Key areas like replacement vehicle during repairs, emergency accommodation, or alternative transport are also not available, which sets Jevco apart from more mainstream insurers.
Notably, there is no mention of travel assistance abroad, electric vehicle-specific services, or battery and misfuelling aid.
Drivers insured with Jevco should be aware that their policy focuses on statutory accident benefits and liability coverage, but lacks the extended assistance modules commonly found in the market.
Customer feedback on Jevco car insurance
Here are the pros and cons highlighted by Jevco car insurance clients:
✅ The company provides access to auto insurance for high-risk drivers who have been declined by standard insurers.
✅ There is appreciation for Jevco’s willingness to accept clients with multiple convictions or past license suspensions.
❌ Customers often mention higher premiums compared to mainstream providers, reflecting their higher-risk profiles.
❌ Many policyholders complain of limited digital tools and a need to manage their policy exclusively through brokers.
❌ Claims handling is frequently described as slow and lacking transparency, causing dissatisfaction in urgent situations.
❌ Policy changes and communication with customer service are described as cumbersome or delayed.
Here's some pretty negative customer feedback written on review platforms:
- “I’m a full‑time student. These guys are nothing but scammers. They charge you an overpriced rate for no reason, and then they withdraw the payments whenever they want…” by anonymous reviewer, on MitchInsurance, unspecified date.
- “DO not use this Insurance company, they are thieves, stealing people's money and calling it a downpayment.” by anonymous reviewer, on InsurEye, unspecified date.
How to contact Jevco?
| Customer service Jevco | 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. You may also contact Jevco directly at 1-844-799-9742 or through an authorized broker. |
| To report a claim | Contact your broker directly or call Jevco customer service at 1-844-799-9742. Claims correspondence can also be sent to: Jevco Insurance Company, 6259 Northam Drive, Suite 200, Mississauga, ON L4V 1W8. No direct claims portal is listed; reporting is usually via your broker. |
| To request and track a refund | Request your refund through your broker or by calling Jevco customer service at 1-844-799-9742. You may be asked to provide your policy details and proof of overpayment. Refunds are generally processed by cheque or direct deposit; processing times may vary depending on case complexity and broker responsiveness. |
| To obtain an insurance certificate | Contact your insurance broker or call Jevco at 1-844-799-9742 to request an insurance certificate. Certificates can typically be mailed or emailed to you upon request. For official documents, correspondence can be sent to Jevco Insurance Company, 6259 Northam Drive, Suite 200, Mississauga, ON L4V 1W8. |
| To contact assistance | For general assistance, contact Jevco customer service at 1-844-799-9742 or email contactus@jevco.ca. Your broker is also available for help with policy management and questions. Mailing address: Jevco Insurance Company, 6259 Northam Drive, Suite 200, Mississauga, ON L4V 1W8. |
| To cancel my contract | To cancel your Jevco policy, contact your broker, providing your policy number and a written request; the broker will advise on the notice period and required documents (typically proof of alternate coverage). For further details, call Jevco at 1-844-799-9742. Any unused premium is generally refunded based on the effective date of cancellation, less any fees. |
FAQ
Do I have to pay in advance for repairs or assistance with Jevco?
If you use a Jevco partner garage, payment for covered repairs is usually made directly by Jevco, and you only pay your deductible. For repairs at a shop of your choice or certain services, you may need to pay up front and then submit for reimbursement. Always confirm with your broker or claims representative for your policy’s rules.
How do I cancel my car insurance contract with Jevco?
To cancel your Jevco car insurance, contact your broker and submit a cancellation request, ideally in writing, including your policy number; a 30-day notice is typically recommended, and you may need to provide proof of new insurance if required.
Who should consider Jevco auto insurance?
Jevco specializes in insuring high-risk drivers—those with multiple claims, driving convictions, or license suspensions—who are unable to obtain standard market coverage. If you fall into this category, Jevco can offer personalized policies and flexible terms where other insurers may not.
What types of add-ons or optional coverages are available with Jevco?
You can enhance your standard Jevco policy with optional benefits like increased accident benefits, higher liability coverage, additional income replacement, and extended benefits for caregivers or funeral expenses. Speak to your broker to customize your policy and ensure you get the protection you need.
How do I file a claim with Jevco and what should I expect?
To report a claim, contact your broker or Jevco’s customer service with all necessary details and documentation. An adjuster will guide you through the next steps. Processing and reimbursement times are not specified publicly and may vary depending on your situation and claim complexity.
Does Jevco offer roadside assistance or towing as part of its policies?
Standard Jevco auto insurance policies do not include roadside assistance or towing benefits by default. If you require these services, discuss optional endorsements or standalone roadside assistance plans with your broker when you arrange your coverage.
Do I have to pay in advance for repairs or assistance with Jevco?
If you use a Jevco partner garage, payment for covered repairs is usually made directly by Jevco, and you only pay your deductible. For repairs at a shop of your choice or certain services, you may need to pay up front and then submit for reimbursement. Always confirm with your broker or claims representative for your policy’s rules.
How do I cancel my car insurance contract with Jevco?
To cancel your Jevco car insurance, contact your broker and submit a cancellation request, ideally in writing, including your policy number; a 30-day notice is typically recommended, and you may need to provide proof of new insurance if required.
Who should consider Jevco auto insurance?
Jevco specializes in insuring high-risk drivers—those with multiple claims, driving convictions, or license suspensions—who are unable to obtain standard market coverage. If you fall into this category, Jevco can offer personalized policies and flexible terms where other insurers may not.
What types of add-ons or optional coverages are available with Jevco?
You can enhance your standard Jevco policy with optional benefits like increased accident benefits, higher liability coverage, additional income replacement, and extended benefits for caregivers or funeral expenses. Speak to your broker to customize your policy and ensure you get the protection you need.
How do I file a claim with Jevco and what should I expect?
To report a claim, contact your broker or Jevco’s customer service with all necessary details and documentation. An adjuster will guide you through the next steps. Processing and reimbursement times are not specified publicly and may vary depending on your situation and claim complexity.
Does Jevco offer roadside assistance or towing as part of its policies?
Standard Jevco auto insurance policies do not include roadside assistance or towing benefits by default. If you require these services, discuss optional endorsements or standalone roadside assistance plans with your broker when you arrange your coverage.
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