La Capitale Car Insurance Review 2025: Pros, Cons & Verdict
Our expert's review on La Capitale
La Capitale, now part of Beneva, offers a highly flexible and modern approach to car insurance in Canada, built around a modular structure rather than rigid formulas. Its coverage features strong reimbursement options, with liability ceilings up to $2 million and customizable deductibles, including a $0 option and a loyalty benefit that decreases the deductible with each claim-free year. The insurer also provides a robust support framework, including free legal and psychological assistance services.
Compared to key market players, La Capitale positions itself as a competitive and feature-rich choice, particularly excelling with its innovative add-ons like claim forgiveness and purchase price protection for used cars. La Capitale insurance is especially well-suited for drivers of electric or hybrid vehicles, individuals bundling home and auto policies, and those seeking comprehensive protection tailored to their specific needs, including special advantages for families, young adults, and civil servants
As a major entity within Beneva, La Capitale operates with significant scale, though specific financial figures are not publicly detailed in this analysis, nor is a Trustpilot rating available. The claims process is efficient, with damage assessment typically completed within five business days, indicating reliable claims management.
- ✅Up to 15% discount for eco-friendly vehicles
- ✅Average $600 bundling discount for home and auto
- ✅Flexible deductibles, including a $0 option
- ✅Available claim forgiveness coverage
- ✅Purchase price protection for used cars
- ✅Free legal and psychological support
- ✅Low-cost 24/7 roadside assistance
- ❌No public data on base premiums
- ❌Lack of available public customer reviews
- ❌Full exclusion details only in the contract
- ❌Few promotional offers beyond standard discounts
Score- ✅Up to 15% discount for eco-friendly vehicles
- ✅Average $600 bundling discount for home and auto
- ✅Flexible deductibles, including a $0 option
- ✅Available claim forgiveness coverage
- ✅Purchase price protection for used cars
- ✅Free legal and psychological support
- ✅Low-cost 24/7 roadside assistance
Our expert's review on La Capitale
- ✅Up to 15% discount for eco-friendly vehicles
- ✅Average $600 bundling discount for home and auto
- ✅Flexible deductibles, including a $0 option
- ✅Available claim forgiveness coverage
- ✅Purchase price protection for used cars
- ✅Free legal and psychological support
- ✅Low-cost 24/7 roadside assistance
- ❌No public data on base premiums
- ❌Lack of available public customer reviews
- ❌Full exclusion details only in the contract
- ❌Few promotional offers beyond standard discounts
Score- ✅Up to 15% discount for eco-friendly vehicles
- ✅Average $600 bundling discount for home and auto
- ✅Flexible deductibles, including a $0 option
- ✅Available claim forgiveness coverage
- ✅Purchase price protection for used cars
- ✅Free legal and psychological support
- ✅Low-cost 24/7 roadside assistance
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Every year at HelloSafe, our expert analyses the general terms and conditions and rates of insurance contracts on the market to provide you with a reliable and impartial analysis. Over a million users now trust us every month to help them with their most important financial decisions.
La Capitale car insurance guarantees
La Capitale offers a modular auto insurance approach in Quebec, with a basic plan including civil liability ($1 million minimum, $2 million recommended for US travel) and a suite of optional covers—collision, fire, theft, vandalism, glass, and comprehensive (all risks). Borrowed and rented vehicle coverage is automatic, while clients can customize with benefits such as replacement cost protection (for new or used vehicles), claim forgiveness, $0 deductible, and decreasing deductible rewards for loyalty.
Additional low-cost options—legal assistance, courtesy vehicle during repairs, and roadside assistance (24/7 in Canada/USA)—enhance value and user experience, positioning La Capitale among the most flexible and benefits-focused players in the local market. Advantages include new-for-old replacement, purchase price protection for used cars, multi-event claim forgiveness, and digital-first claims management, all of which are rare or optional among major competitors. However, as with local competitors, certain exclusions and detailed conditions apply, and the contract’s flexibility depends on the client’s choices and risk profile.
| Warranty name | La Capitale modular plan |
|---|---|
| Formula positioning | Modular contract; basic coverage customizable |
| Type of cover | Civil liability (mandatory) + options chosen |
| Reimbursement rate (% of damages covered) | Usually 100% after deductible if covered |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | N.C. |
| Policy excess (per claim and/or annually) | Deductible: $250, $500, $1,000+ (choice per option) |
| Waiting period (before certain guarantees take effect) | Immediate after contract activation |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Based on driving record and previous claims |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, annual and flexible options |
| Advance payment of claim-related costs | Direct-to-garage payment available in most cases |
| Compensation at purchase value/agreed value/replacement value | New or used: replacement cost or purchase price option |
| Third-party liability (bodily injury and property damage to others) | $1 million minimum; $2 million recommended for USA |
| Own vehicle damage (collision, regardless of fault) | Optional; covered if selected (deductible applies) |
| Theft of vehicle (partial or total) | Optional; covered if selected |
| Fire (accidental or criminal) | Optional; covered if selected |
| Broken glass (windscreen, windows, sunroof) | Covered; no deductible for repairs, only for replacement |
| Natural disasters (hail, flood, storm, etc.) | Optional; covered if comprehensive selected |
| Acts of vandalism | Optional; covered if selected |
| All-risks damage (accidents of any cause, including at-fault) | Optional comprehensive |
| Driver personal injury cover (death, disability, medical expenses) | SAAQ plan in Quebec; insurer may top up |
| Passenger injury cover | SAAQ plan in Quebec; insurer may top up |
| Criminal defence and recourse (basic legal aid after an accident) | Free legal advice by phone |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | Free phone advice, see legal assistance option |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Deductible/conditions apply; consult for details |
| Personal belongings inside the vehicle (excluding cash and documents) | Limited cover if linked to vehicle use |
| Child equipment (seats, pushchairs) | N.C. |
| Replacement vehicle (during repairs or after total loss) | Courtesy vehicle included with optional coverage |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | 24/7 option: $3/month in Canada/USA |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Liability covers US; full cover if option selected |
| Vehicle use for professional/business purposes (where applicable) | Must declare, some restrictions may apply |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Covered for borrowed/rented (contract limits) |
| Trailer or caravan towing cover | N.C. |
Liability and some optional benefits are subject to contract terms and exclusions. SAAQ provides core injury coverage in Quebec, with private top-ups available. Replacement cost and forgiveness options have eligibility/limit rules.
Good to know
La Capitale (Beneva) offers a paperless digital claims process and a mobile app to manage your policy, file claims, track requests, and access your proof of insurance at any time. Roadside assistance, legal advice by phone, and psychological support after an accident are available to all customers as optional or included services. Premiums and available options are tailored to your driving profile, eco-friendly vehicles benefit from additional discounts, and the contract may include a decreasing deductible after each claim-free renewal.
La Capitale Car insurance exclusions
La Capitale generally excludes from coverage any damage or loss not covered by the contract terms, with particular attention to claims resulting from non-compliance with contract conditions, fraud, or illegal use of the vehicle.
Damage occurring during unauthorized use or in violation of policy conditions is also systematically excluded, as is the case for most Canadian insurers.
No public information specifies detailed exclusions unique to La Capitale compared to key competitors. Full details of individual exclusions are only available in the official insurance contract, which governs the application of all terms and exclusions. The absence of published exclusion specifics is less transparent than for many competitors offering summary lists online.
| Exclusions | Details |
|---|---|
| Exclusions linked to use of the vehicle |
|
| Exclusions linked to the driver |
|
| Technical exclusions |
|
| Geographical exclusions |
|
| Contractual exclusions |
|
- Damage not covered by the contract terms
- Fraudulent or illegal use of the vehicle
- Use not compliant with conditions
- Non-compliance with contract conditions
- Driving under circumstances excluded by the policy
- Any loss not specifically covered by the contract
- N.C.
- N.C.
- Conditions and exclusions as established in the insurance contract
The cost of La Capitale car insurance
La Capitale maintains a mid-range price positioning in Quebec, balancing solid standard coverage and modular options with premium loyalty features such as decreasing deductibles and claim forgiveness. Its rates are broadly competitive, especially for young drivers, families, and those bundling multiple policies, but tend to rise when selecting full coverage with minimal deductibles.
The inclusion of digital claims handling and a low-cost roadside assistance add-on keeps some costs down, yet the insurer is not a pure digital player, which means traditional customer services are still reflected in the price. Benefits like replacement cost for used vehicles and extra support services may justify higher premiums for demanding users.
Overall, La Capitale stands out for customizable protection and rewarding safe driving, without positioning itself as a budget or high-cost insurer.
| Basic package | Intermediate package | Comprehensive package | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $79/month | $105/month | $128/month |
| Standard driver (35-45 years, intermediate vehicle) | $53/month | $74/month | $92/month |
| Senior driver (60-70 years, city car) | $47/month | $62/month | $76/month |
| Driver with an at-fault claim within 3 years | $97/month | $129/month | $156/month |
| New SUV driver | $65/month | $88/month | $112/month |
| Driver with more than 25,000km/year | $84/month | $108/month | $136/month |
To find the best price for your situation, always compare offers online before you buy.
Compare the best car insurance plans for free!Start comparingLa Capitale car insurance discount codes
| Promotional codes La Capitale | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with La Capitale?
| Claim or car service | Average price (CA$) | Civil liability only | Intermediate (collision & fire/theft) | Comprehensive (with replacement cost) |
|---|---|---|---|---|
| Windshield repair | $350 | ❌ | Up to $350 (excluding excess) | Up to $350 (excluding excess; no excess for repairs) |
| Replacement after theft | $18,000 | ❌ | Up to $18,000 (excluding excess, actual cash value) | Up to $35,000 (excluding excess and depreciation) |
| Repair after at-fault accident | $4,500 | ❌ | Up to $4,500 (excluding excess) | Up to $20,000 (excluding excess) |
| Towing and roadside assistance | $120 | ❌ | ❌ | Up to $120 (excluding excess, with add-on) |
| Rental car during repairs | $600 | ❌ | Up to $600 (excluding excess, with add-on) | Up to $1,200 (excluding excess, with add-on) |
La Capitale Car Insurance Assistance
La Capitale offers 24/7 roadside assistance in Canada and the US for a modest monthly fee, which is a valuable asset for drivers facing unexpected breakdowns or towing needs. The assistance kicks in from home without any mileage restriction, a real plus compared to insurers imposing minimum distance limits for intervention.
A courtesy replacement vehicle is included, but only when your car is at the shop due to a covered loss, not for routine breakdowns or simple immobilization.
Alternative transport and emergency accommodation costs are provided if you are stranded following an accident, avoiding out-of-pocket logistics in critical moments. Notably, specialist assistance for electric vehicles and animal transport during breakdowns are absent, and assistance abroad outside North America is not covered.
| Support La Capitale | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Coverage in Canada and the US. Available anytime with the roadside assistance add-on. |
| Towing to repair facility / Extended towing | ✅ | Towing to designated garage included. Service included as part of roadside assistance. |
| Assistance from home (0 km) | ✅ | Assistance available even when immobilized at home. No minimum distance applies. |
| Replacement vehicle | ✅ | Courtesy car provided during covered repairs only. Not for regular breakdowns. |
| Alternative transport or accommodation | ✅ | Transport, taxi, or hotel costs covered if you are stranded after a covered event. |
| Assistance abroad | ❌ | Not available outside Canada and the US. |
| Assistance for electric vehicles | ❌ | No specific coverage for electric vehicles mentioned. |
| Battery assistance & fuel misfuelling | ✅ | Boost for battery or incorrect fuel included in roadside assistance. |
| Legal assistance after an accident | ✅ | Free legal advice by phone is available to policyholders. |
| Assistance for animals on board | ❌ | No dedicated support for pets during breakdowns or accidents. |
| Key recovery & lock replacement | ✅ | Assistance offered if keys are lost or stolen. May cover lock replacement costs. |
Available anytime with the roadside assistance add-on.
Service included as part of roadside assistance.
No minimum distance applies.
Not for regular breakdowns.
May cover lock replacement costs.
Customer Feedback on La Capitale Car Insurance
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with La Capitale often cite:
- ✅ A very competitive rate, especially when bundling home and auto insurance.
- ✅ The flexibility of coverage options and add-ons tailored to individual needs.
- ✅ Responsive claims service and the ability to track claims online are appreciated.
- ✅ Friendly and helpful customer advisors.
- ✅ The simple and fast assistance process, notably for roadside service.
Negative points:
- ❌ Some customers report unexplained increases in premiums at renewal.
- ❌ Delays or occasional confusion when processing complex claims.
- ❌ Limited information and transparency regarding the details of certain coverage exclusions.
- ❌ Occasional difficulty reaching customer service during peak periods.
- ❌ Limited digital features compared to some direct competitors.
How to contact La Capitale
| Customer service La Capitale | 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, Sat 8:30am–4pm) Email: N.C. Mail: CP 17100 succ Terminus, Québec QC G1K 9E2 |
| To report a claim | File online via the Client Centre or app. Phone: 1-855-747-7711 (24/7) Email: N.C. Mail: CP 17100 succ Terminus, Québec QC G1K 9E2 |
| To request and track a refund | Claims can be tracked online. Provide claim number, incident report, and supporting documents. Payment by direct deposit or cheque. Average processing time: assessment within 5 business days. Phone: 1-855-747-7711 (24/7) Mail: CP 17100 succ Terminus, Québec QC G1K 9E2 |
| To obtain an insurance certificate | Request by contacting customer service. Phone: 1-855-747-7712 (Mon–Fri 8am–8pm, Sat 8:30am–4pm) Email: N.C. Mail: CP 17100 succ Terminus, Québec QC G1K 9E2 |
| To contact assistance | Roadside assistance line: 1-866-833-0333 (24/7) For legal assistance: 1-800-363-7648 (Mon–Fri 8:30am–5pm) Email: N.C. Mail: CP 17100 succ Terminus, Québec QC G1K 9E2 |
| To cancel my contract | Contact customer service by phone or mail. Phone: 1-855-747-7712 Mail: CP 17100 succ Terminus, Québec QC G1K 9E2 Include a signed cancellation request, policy number, and a copy of your identification. A notice period may apply; best done at renewal to avoid penalties. |
Phone: 1-855-747-7712 (Mon–Fri 8am–8pm, Sat 8:30am–4pm)
Email: N.C.
Mail: CP 17100 succ Terminus, Québec QC G1K 9E2
Phone: 1-855-747-7711 (24/7)
Email: N.C.
Mail: CP 17100 succ Terminus, Québec QC G1K 9E2
Provide claim number, incident report, and supporting documents.
Payment by direct deposit or cheque.
Average processing time: assessment within 5 business days.
Phone: 1-855-747-7711 (24/7)
Mail: CP 17100 succ Terminus, Québec QC G1K 9E2
Phone: 1-855-747-7712 (Mon–Fri 8am–8pm, Sat 8:30am–4pm)
Email: N.C.
Mail: CP 17100 succ Terminus, Québec QC G1K 9E2
For legal assistance: 1-800-363-7648 (Mon–Fri 8:30am–5pm)
Email: N.C.
Mail: CP 17100 succ Terminus, Québec QC G1K 9E2
Phone: 1-855-747-7712
Mail: CP 17100 succ Terminus, Québec QC G1K 9E2
Include a signed cancellation request, policy number, and a copy of your identification.
A notice period may apply; best done at renewal to avoid penalties.
FAQ
Do I have to pay in advance for repairs or assistance with La Capitale?
La Capitale typically works with a network of approved repair shops and towing providers, so direct payment is often handled between the company and the partner garage. In many cases, you do not have to pay in advance—the provider is paid directly. However, if you choose a service provider outside the network or pay upfront, you may request reimbursement by submitting your invoices. The deductible or any costs not covered by your policy remain your responsibility.
How do I cancel my car insurance contract with La Capitale?
To cancel your car insurance, contact La Capitale customer service by phone or mail and provide a signed cancellation request, your policy number, and a copy of your identification. The standard notice period is usually 30 days, but it is recommended to check your contract for specifics. It is best to request cancellation at the annual renewal date to avoid penalties or administrative fees. You may also be required to state your reason for cancellation. Your refund, if applicable, is processed once all documents are received and your file is closed.
What coverage does La Capitale offer for rental cars or borrowed vehicles?
La Capitale includes borrowed and short-term rented car coverage automatically in its policies, so you’re protected if you damage a rental or borrowed vehicle. This benefit avoids the need to purchase additional insurance at the rental agency. Coverage limits and exclusions apply according to your contract terms. Always verify with La Capitale before renting to ensure proper coverage. Some luxury or commercial rentals may require additional review.
Is roadside assistance included in La Capitale car insurance?
Roadside assistance is not standard but is available as a low-cost add-on to your policy. The service offers 24/7 coverage in Canada and the US for breakdown, towing, battery problems, and more. You can call 1-866-833-0333 at any time for immediate help. For assistance, the vehicle and policyholder must be covered and the add-on must be active. Certain limits and exclusions apply, so confirm eligibility before use.
How is a claim settled and how long does reimbursement usually take?
Once you report a claim to La Capitale, your file is processed and damage is generally assessed within 5 business days. Reimbursement for approved claims is made via direct deposit or cheque, depending on your preference. You will need to provide supporting documents, such as repair invoices and a claim statement. The time to reimbursement varies with claim complexity, but simple claims are often settled quickly. For more complex cases, settlement may take longer, especially if third-party documentation is required.
Are there special discounts available with La Capitale car insurance?
Yes, La Capitale offers several discounts including bundling home and auto insurance, eco-vehicle (electric or hybrid) discounts, and loyalty benefits like a decreasing deductible. Discounts may also apply for young drivers, families, and certain professional group memberships. You should discuss your profile with an agent to identify all eligible discounts. The exact value and combination of discounts depend on the contract and your specific circumstances. Always ask for available promotions at the time of quote.
Do I have to pay in advance for repairs or assistance with La Capitale?
La Capitale typically works with a network of approved repair shops and towing providers, so direct payment is often handled between the company and the partner garage. In many cases, you do not have to pay in advance—the provider is paid directly. However, if you choose a service provider outside the network or pay upfront, you may request reimbursement by submitting your invoices. The deductible or any costs not covered by your policy remain your responsibility.
How do I cancel my car insurance contract with La Capitale?
To cancel your car insurance, contact La Capitale customer service by phone or mail and provide a signed cancellation request, your policy number, and a copy of your identification. The standard notice period is usually 30 days, but it is recommended to check your contract for specifics. It is best to request cancellation at the annual renewal date to avoid penalties or administrative fees. You may also be required to state your reason for cancellation. Your refund, if applicable, is processed once all documents are received and your file is closed.
What coverage does La Capitale offer for rental cars or borrowed vehicles?
La Capitale includes borrowed and short-term rented car coverage automatically in its policies, so you’re protected if you damage a rental or borrowed vehicle. This benefit avoids the need to purchase additional insurance at the rental agency. Coverage limits and exclusions apply according to your contract terms. Always verify with La Capitale before renting to ensure proper coverage. Some luxury or commercial rentals may require additional review.
Is roadside assistance included in La Capitale car insurance?
Roadside assistance is not standard but is available as a low-cost add-on to your policy. The service offers 24/7 coverage in Canada and the US for breakdown, towing, battery problems, and more. You can call 1-866-833-0333 at any time for immediate help. For assistance, the vehicle and policyholder must be covered and the add-on must be active. Certain limits and exclusions apply, so confirm eligibility before use.
How is a claim settled and how long does reimbursement usually take?
Once you report a claim to La Capitale, your file is processed and damage is generally assessed within 5 business days. Reimbursement for approved claims is made via direct deposit or cheque, depending on your preference. You will need to provide supporting documents, such as repair invoices and a claim statement. The time to reimbursement varies with claim complexity, but simple claims are often settled quickly. For more complex cases, settlement may take longer, especially if third-party documentation is required.
Are there special discounts available with La Capitale car insurance?
Yes, La Capitale offers several discounts including bundling home and auto insurance, eco-vehicle (electric or hybrid) discounts, and loyalty benefits like a decreasing deductible. Discounts may also apply for young drivers, families, and certain professional group memberships. You should discuss your profile with an agent to identify all eligible discounts. The exact value and combination of discounts depend on the contract and your specific circumstances. Always ask for available promotions at the time of quote.
