Coverage offered by a dealership

Choose your type of claim

Important information

As of January 1, 2025, we no longer sell replacement insurance (Q.P.F. No. 5).

I already have replacement insurance (Q.P.F. No. 5)

Cruising in the safe lane

Replacement insurance is coverage that’s separate from your car insurance. It’s sold by dealerships when you purchase a vehicle.

Available for periods of up to seven years,1 this coverage can be purchased for your car or recreational vehicle.

Coverage that goes the distance

So you can drive off the lot with peace of mind.

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Deductible and car rental expenses

In the event of loss, whether total or partial, replacement insurance covers the deductible imposed by your main insurer as well as rental expenses.2

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Total loss (accident or theft)

If your vehicle is new or a demonstrator, it could be replaced by a new model of the current year with similar features, equipment and accessories.

If your vehicle is used, you may receive a lump sum equal to the marked-up value of your vehicle less the amount reimbursed by the primary insurer.

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Partial loss

For a new vehicle or demonstrator, parts that cannot be repaired will be replaced with new original manufacturer parts.

Cancel your replacement insurance contract

Please send us the following documents:

  • Notice of termination of an insurance contract (PDF)
  • Copy of your insurance certificate
  • An official release from your creditor, if your financing agreement is paid in full
  • Contact information (address and phone number)
  • Copy of the indemnity claim with primary insurer (in case of total loss only)

Note that reimbursement will not be in full.

Email3

infosac@beneva.ca

Fax

1 877 779-7602

Your insurance cancellation request will be processed in the 30 to 45 days following receipt of all documents.

I already have replacement insurance (Q.P.F. No. 5)

In that case, nothing changes, you’re already covered!

We no longer sell replacement insurance (Q.P.F. No. 5) but we’ll continue to protect you if you have it.

Your coverage ends when your insurance certificate expires. Note that you won’t be able to renew it.

Contract documents

Submit a claim

Phone number

1 866 683-2515

Email

infosac@beneva.ca

  1. The residual value protection for a lease is optional.
  2. Subject to the amount stipulated in your replacement insurance contract.
  3. Sending personal information by email carries risks, making it unsafe to exchange private or confidential information.
  4. Restrictions apply depending on the type of vehicle.