Maybe you’ve seen their name while shopping around for car insurance, seen one of their ads, or already have another form of insurance with them. Whatever the reason may be, you might be considering getting Beneva car insurance.

But are they the right fit? Do they offer the coverage you need at a price that works for your budget? 

In this article, you’ll learn more about Beneva, the potential pros and cons to consider, and how it’s different from an insurance broker like YouSet. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.

How is YouSet different from Beneva?

YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while Beneva is a direct-to-consumer insurer that underwrites and sells its own policies.

As such, there are key differences between YouSet and Beneva to consider, which you can see outlined clearly in the table below.

	YouSet	Beneva
Type of provider	Digital insurance broker	Direct-to-consumer (D2C) insurer
Products	Home, tenant, condo, and car	Home, tenant, condo, car, life, and health
Number of insurers	18 insurers (Full list of YouSet insurers)	1 insurer (themselves)
Price comparison	Side-by-side comparison, shows multiple quotes	No comparison, only shows one quote (their own)
Underwriting	Does not underwrite policies	Direct writer (underwrites its own policies)
Checkout	Online checkout or by phone	Call to purchase
Claims	Claims handled by the insurer, additional support from YouSet, as needed	Claims handled directly by Beneva

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Beneva car insurance pros and cons 

As with any insurance provider, it’s important to understand what Beneva offers and what it doesn’t. This is key to helping you determine if it aligns with what you’re looking for in a car insurance provider.

Rental car included

With some insurers, getting a rental car while your vehicle is being repaired or replaced requires optional travel costs coverage. Beneva, on the other hand, advertises that it will provide a rental car automatically to customers with upset and collision coverage, at no extra cost, if their vehicle is in the shop due to a covered loss.

Need to call to buy

Although Beneva allows you to get a car insurance quote online, it is noted that quotes are “conditional upon the accuracy of the information you provided.” As a result, you will likely be prompted to call and speak with a sales representative to verify your details, at which point, your initial quote may change. 

Savings for claims-free customers

Beneva advertises a decreasing deductible for claims-free car insurance customers. This means that your deductible will decrease by $50 for each year you have car insurance with them and do not file a claim.

Restricted to Beneva products and pricing

If you buy car insurance from Beneva, your policy will be underwritten by Beneva Insurance Company, meaning you’re limited to their coverage options, pricing, and discount structure. This is different from an insurance broker like YouSet, which compares quotes from multiple insurers to help you find the best price.  

Largest mutual insurance company in Canada

Following the 2020 merger of La Capitale and SSQ Insurance, Beneva became the largest mutual insurance company in Canada. As of 2023, Beneva was also the eighth-largest insurance company in the country, according to Insurance Business. 

Quebec-only

As of January 2026, Beneva car insurance is only available to drivers in Quebec. That said, Beneva does offer health, life, and group insurance, as well as a variety of investment and financial products, across Canada.

In-person support

With local offices in Quebec’s major cities, Beneva offers in-person support for customers who prefer face-to-face assistance. That said, check ahead before visiting, as Beneva also provides other services, such as financial products, and not all locations may handle insurance-related inquiries.

Bundling savings may be potentially limited

Bundling home and car insurance with Beneva can save you money, as advertised. However, bundling with a single carrier doesn’t always offer the most savings possible. Rather, a mix-and-match approach to bundling, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.

Beneva vs. YouSet car insurance

After getting a quote from Beneva and doing your own research, it’s always wise to compare the quoted price to a policy from an alternative provider, such as YouSet, to see if that’s truly the best price you can get or if there’s a better deal available.

Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering. 

Best price year-after-year

YouSet’s algorithms are designed to do one thing – find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.

Transparent renewals

Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.

Mix-and-match approach to bundling

YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.

Buy, manage, and renew your policy online

How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.

Highly reviewed by Canadians

With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.