Insurance documents
Understanding your insurance contract and invoice
Taking out insurance is important, but so is understanding the insurance documents. Invoices, policies, certificates and cards: it can get complicated. We break it all down for you here.
Which document would you like more information on?
My invoice (bill)My insurance certificate and other documents
You receive an invoice in the mail when renewing or purchasing insurance only if you chose to receive a paper copy of your contract. Please note that it’s not sent with your contract; you could receive it before or after. If you registered for an online contract, you won’t receive your invoice in the mail. Find it in the Client Centre, under Billing and payments.
The invoice below is an example. It may not be identical to yours, but it will certainly help you understand it better.
Only one name appears on the invoice. However, the names of all insured persons are listed on the contract. Please refer to the Declarations section of your contract for the names of the insured persons by product.
Your home, auto or leisure vehicle insurance products might not all be included on this invoice. You’ll only find those being renewed, modified, issued or cancelled. Consult your contract for more details about all your coverage.
A product is subject to change (for example, a change of vehicle or change of driver).
Date on which your contract will take effect or will be renewed, cancelled or modified.
Details of the payment amount for the contract in effect when your invoice is issued. You don't have to do anything; this is just for your information.
Balance of the payment amount for a product subject to change (for example, a renewal) as well as the previous balance remaining (in the case of a renewal, issue, modification or cancellation).
Bank account number used for payment. This information helps you confirm that payments are taken from the right bank account. Please note that there can be two different schedules of payment displayed for the same bank account number if the payment dates are different.
Payment calendars for your policy or contract for all your products withdrawn from this bank account on the same date. Please refer to the Declarations section of your contract for the insured product(s) related to this policy or contract number.
Your policy or contract number, as well as the type of insurance. Please refer to the Declarations section of your contract for the insured persons, by product.
Total payment amounts for your policies or contracts withdrawn from this bank account. It includes all the products on the same policy or contract, if applicable. Please refer to the Declarations section of your contract for the insured product(s) related to this policy or contract number.
My insurance certificate and other documents
Insurance card or certificate, commercial insurance contract, pricing and proof of insurance: learn about all these documents.
My insurance card or certificate
Insurance certificate at beneva.ca :
- Log in to the Client Centre
- Go to the Home, Car and Recreational Vehicles or the Commercial section
Even though your certificate is available in the Client Centre, you will receive a copy by mail.
Insurance card in the Beneva app :
- Open the app and go to the Home, Car and Recreational Vehicles or the Commercial section
- Select Insurance Cards at the bottom of the screen
Your insurance certificate appears below the Declarations section in your contract, which now reflects Beneva’s visual identity.
You can also find it in the Client Centre and print a copy, if needed.
My commercial insurance contract
Contracts have been updated to reflect Beneva’s visual identity. Rest assured that your information is unchanged and secure. Nothing is expected of you. We've taken care of everything.
Yes. Policies and invoices are managed separately. It is therefore possible to receive them at different times, whether by mail or in your Client Centre account.
My home and car insurance pricing
Several factors influence the price of car insurance. For more information, consult the Understanding My Increase page.
Several factors influence the price of home insurance.
Here are a few of them:
Rising cost of building materials
The cost of building materials drives up the cost of home renovations and repairs.
More frequent, serious water damage
Finished, fully furnished basements increase the cost of repairs.
Extreme weather events
Hail, icy rain, strong winds and heavy rain can cause a lot of damage and increase the cost of claims.
Labour shortage
The demand for specialized workers increases the cost of repairs.
My proof of insurance for a rental car
The proof appears on the same page as your insurance certificate under Q.E.F. No. 27, which now reflects Beneva’s visual identity, like the rest of the contract. Q.E.F. No. 27 is also referred to as Civil liability resulting from damage caused to vehicles of which named insured is not owner.
If you would like to receive a copy of Q.E.F. No. 27 by email, fill out a Proof of Insurance Request form.
See example of Q.E.F. No. 27