Association démocratique des retraités

Being part of a group has its advantages

With so many exclusive discounts and offers, insuring your home, car or recreational vehicle with us really is worth it!

Get a quote

Or give us a call
1 866 551-2641

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We’ve got special offers just for you

Sweet deals on your insurance

Get exclusive discounts on your home, car and recreational vehicle insurance.

Free roadside assistance

We throw in roadside assistance when you bundle your home and car insurance.

Premium payment insurance

We cover your premium payments in the event of total disability.1

...and a ton of extra perks

Advantage

Decreasing deductible

Your deductible drops $50 with each claim-free renewal. It's our way of saying thanks for your loyalty.

Advantage

Free legal assistance

Need legal advice? Our lawyers are just a phone call away!

Advantage

Flexible payment options

Split your premium into several installments—no interest, no fees!

Advantage

On-demand insurance

We'll happily insure your recreational vehicles even if you don't take out home or car insurance with us. But remember, bundling several products saves you money!

Contest
The golden quote

Complete a quote by January 18, 2026, for a chance to win one of two $5,000 prizes.

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See rules

Like what we have to offer?

Get a quote

Or give us a call
1 866 551-2641

Property and casualty insurance is underwritten by Beneva Insurance Company and distributed by Beneva inc., damage insurance agency and its authorized partners. At all times, terms and conditions pertaining to coverage are governed solely by the insurance contract. Some conditions and exclusions apply.

1. Certain conditions, limitations, or exclusions may apply. Premium payment insurance in the event of disability is offered by Beneva Inc. and administered by Beneva Insurance Company.