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Car Insurance

With belairdirect, getting the right amount of coverage for your car is easier than you think.

If you're looking for car insurance, you've come to the right place. Here, when you start with a free online quote, you end up with valuable peace of mind.

Insurance Quotes

Liability Generic Coverage

Step one for getting car insurance is getting Liability coverage. This coverage will protect you if you're responsible for injuring someone or damaging someone else's property. For example, if you accidentally hit a light post with your car or you accidentally injure someone while you're driving.

Standard Coverage

If you’ve been in a collision and you need medical or rehabilitative care because of your injuries, you can rest easy knowing your expenses are taken care of and you’ve got a partial income if you need time off work. It doesn’t matter whether the accident was your fault or someone else’s. Most of these benefits come with optional limits that you can choose.

  • Medical costs and rehabilitation
    • Standard coverage limits
      • $50,000 for non-catastrophic injuries.
      • $1,000,000 for catastrophic injuries.
    • Optional coverage limits
      • $100,000 for non-catastrophic injuries.
      • $1,000,000 for catastrophic injuries.
  • Attendant Care
    • Standard coverage limits
      • $36,000 for non-catastrophic injuries.
      • $1,000,000 for catastrophic injuries.
    • Optional coverage limits
      • $72,000 or $1,072,000 for non-catastrophic injuries.
      • An additional $1,000,000 for catastrophic injuries.
  • Income replacement
    • Standard coverage limits
      • 70% of gross income (up to $400/week).
    • Optional coverage limits
      • $600, $800 or $1,000/weeks.
  • Dependant care
    • Optional coverage limits
      • $75/week for the first dependent and $25/week for each additional dependent (up to $150/week)
  • Death and funeral benefit
    • Standard coverage limits
      • Death benefit up to $25,000.
      • Funeral expenses up to $6,000.
    • Optional coverage limits
      • Up to $50,000.
      • Funeral expenses up to $8,000.
  • Housekeeping and home maintenance
    • Standard coverage limits
      • $100/week (for catastrophic injuries only).
    • Optional coverage limits
      • Available for all injuries as part of the increased caregiver expenses.
  • Caregiver expenses
    • Standard coverage limits
      • $250/week (for catastrophic injuries only).
    • Optional coverage limits
      • Available for non-catastrophic injuries.

If you’re injured in an accident, your Uninsured Automobile Coverage protects you for two scenarios. The first is if you’re in an accident with a driver who doesn’t have insurance, and the second is if you can’t identify the vehicle; for example, if you’re a victim of a hit and run.

If you’re ever in an accident that’s not your fault, Direct Compensation Property Damage (DCPD) may cover the damage to your car and everything in it. Let’s say you get into a collision and it’s the other driver’s fault. Your car gets damaged so you make a claim to your insurer. It’s your insurer who pays for the damages. There’s no lawsuit between the drivers in this situation. If the other driver is only 50% at-fault, DCPD will only cover 50% of the damage to the car, the things in it, and the loss of use.

To view the standard Ontario Automobile Policy (O.A.P.1), please click here.

Civil Liability Coverage

Step one for getting car insurance in Quebec is getting Civil Liability coverage. This coverage will protect you if you're responsible for injuring someone or damaging someone else's property. It may also cover damage to your car if you're in an accident for which you're not at-fault.

Optional Coverage

Everyone's situation is unique. Customize your policy with additional coverage options for the protection you need.

Sign up for belairdirect’s Roadside Assistance service and enjoy greater peace of mind behind the wheel! belairdirect’s new Roadside Assistance option gives you access to a number of services that you can depend on when the need arises.

  • 35$ per year
  • Four service calls per year
  • Services available:
    • Towing (within 50km)
    • Wheel change
    • Door unlocking
    • Gas delivery
    • Winching
  • 24/7 assistance

For a few extra dollars, you could gain more peace of mind. Autocomfort gives you a wide range of coverage options to expand your protection in case of an accident.

A few little extras can add up to peace of mind. For a few extra dollars, you can expand your protection to include:

  • Rental of temporary replacement vehicle following an insured loss
  • $60, 000 coverage for damages you may cause to a rented or borrowed vehicle anywhere in Canada and the U.S.
  • No deductible when you’re the victim of a hit and run
  • No deductible in the event of a total loss

Best of all, if you’ve got car and home insurance from belairdirect, you get Autocomfort at no additional cost. Please note: you’ll need to have both Collision and upset coverage and Comprehensive coverage to be eligible for our Autocomfort coverage.

Autocomfort® is a registered trademark of Belair Insurance Company Inc.

Autocomfort coverage adds the following benefits to your standard car insurance policy:

  • Replacement rental vehicle in the event of an insured loss (maximum amount of $1,500 per event).
  • $45,000 coverage for damage you may cause to a rented vehicle anywhere in Canada and United States.
  • Emergency roadside assistance ($50.00 per occurrence).

In order to add Autocomfort coverage to your policy, you must have coverage for Collision or upset and Comprehensive

Protect your good driving record at belairdirect and keep your premium from going up as a direct result of your first at-fault accident. These are just two ways you’re covered with Accident Forgiveness coverage.

When you've got Accident Forgiveness, you can rest assured that your good driving record and your premium are protected for as long as you are with belairdirect. Your good driving record should be rewarded, and that's exactly what happens.

  • Here’s what Accident Forgiveness offers
    • Protection of your good driving record and your premium for as long as you're with belairdirect
      • We trust that you want to be a good driver and will do what it takes to be one. That’s why you’re forgiven for your first at-fault accident. By forgiven, we mean you won’t face an increase in your premium when it comes time for renewal because of your first at-fault accident.
    • Emergency roadside assistance
      • You get up to $50 reimbursed for roadside service as a result of your vehicle breaking down
  • Accident Forgiveness Coverage Conditions
    • Accident Forgiveness endorsement must be present on the policy
    • You need to be claims-free for the previous seven years before an at-fault accident occurs
    • Accident Forgiveness endorsement applies to the vehicle that corresponds with it and cannot be transferred onto any other vehicle on the policy
    • Accident Forgiveness only protects the principal driver of the vehicle listed on the policy.
    • If there's an at-fault loss while Accident Forgiveness endorsement is valid, you must maintain this coverage to remain eligible for the driving record
    • Accident Forgiveness does not apply if you are convicted of a criminal code offence or of a serious or major conviction
    • The accident-rating waiver provided by Accident Forgiveness is not binding on any other insurer that provides car insurance to the owner of the car or the driver who was found to be at fault for the accident
    • Accident Forgiveness coverage does not apply if there is violation of any Statutory Conditions or a policy condition within the context of the accident

Protect your good driving record at belairdirect and keep your insurance premium from going up as a direct result of your first two at-fault accidents.

Extended coverage means extended peace of mind. That’s what you get with Accident Forgiveness coverage.

We trust that you want to be a good driver and will do what it takes to be one. When you've got Accident Forgiveness, you can rest assured that your good driving record and your insurance premium are protected for as long as you are with belairdirect. That means, at renewal time, you won't face an increase in your car insurance premium as a result of up to two at-fault accidents*.

By adding Accident Forgiveness Open Road coverage, you not only protect your good driving record and keep your insurance premium from increasing because of your first two at-fault accidents, but you also get belairdirect’s Roadside Assistance service You’ll enjoy greater peace of mind behind the wheel! belairdirect’s new Roadside Assistance option gives you access to a number of services that you can depend on when the need arises (see above).

We want you to fully benefit from Accident Forgiveness. So please double-check the list of conditions below to make sure there’s nothing to stop you from receiving the full benefits of this coverage if you have up to two at-fault accidents.

  • Accident Forgiveness endorsement must be present on the car insurance policy
  • You need to be claims-free for the previous five years preceding your purchasing your car insurance policy
  • This endorsement protects your driving record from an increase of your premium for at-fault accidents within a 5-year period
  • Accident Forgiveness does not apply if you are convicted of a criminal code offence or of a serious or major conviction
  • Accident Forgiveness endorsement applies to the vehicle that corresponds with it and cannot be transferred onto any other vehicle on the policy
  • Accident Forgiveness is attached to the principal driver of the vehicle listed on the policy
  • If there's an at-fault loss while the Accident Forgiveness endorsement is valid, you must maintain this coverage to remain eligible for the driving record protection
  • The accident-rating waiver provided by Accident Forgiveness is not binding on any other insurer that provides car insurance to the owner of the car or the driver who was found to be at fault for the accident
  • Accident Forgiveness does not apply if there is violation of any Statutory Conditions or a policy condition within the context of the accident

If your car gets damaged because you've collided with something (like a light post, guardrail, or other car), the cost of repairs can really add up. Collision and upset Coverage could cover the cost of those repairs, so you don’t have to pay for those repairs out of your own pocket. You may only need to pay the deductible.

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got All perils other than collision or upset Coverage.

If you want to increase your Civil Liability coverage above the bare minimum necessary for driving in Quebec, consider increasing it to $2,000,000. This will give you added protection if you’re responsible for damaging someone else’s property.

Replacement Cost coverage is ideal if you've just bought a new car. If your car is stolen or damaged beyond repair, you'll get a new, identical car that reflects the original value of your car, not its depreciated value.

If your car gets damaged because you've collided with something (like a light post, guardrail, or other car), the cost of repairs can really add up. Collision Coverage could cover the cost of those repairs, so you don't have to pay them out of your own pocket. You may only need to pay the deductible

*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got Comprehensive Coverage.

*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.

Mandatory Coverages in Alberta New Brunswick Nova Scotia Prince Edward Island

Protects against claims for damage to property or injury caused in a car accident, including court defense and investigation fees and legal fees assessed against you by the courts.

Limits required by law

Minimum coverage required by law:
$200,000$500,000.

Optional Coverage Limits

$1,000,000 or $2,000,000. Lower limits are available.

Allows you to collect directly from your own insurer for damages to your car when someone else is responsible for the accident.

Allows you to be compensated directly by your own insurer for damages to your car when someone else is responsible for the accident

Limits required by law

Included in the standard policy with a $0 deductible.

Optional Coverage Limits

Choice of a $0, $300 and $500 deductible.

Compensation if an insured person is injured or killed by an uninsured motorist or a hit-and-run driver, and for damage to the vehicle and its contents caused by the owner or driver of an uninsured automobile.

Limits required by law

Minimum coverage required by law:
Included in the standard policy.

Accident Benefits

Accident Benefits are the true no-fault coverage which means that you are eligible, regardless of who is at fault in the accident. There are several benefits included in this coverage:

Coverage for expenses for treatment and rehabilitation after injury that are not covered by the provincial health plan, including assessment costs (e.g., physiotherapy, dental expenses, professional nursing, etc.)(e.g., prescription medications, physiotherapy, counseling, wheelchair)(e.g., prescription medications, physiotherapy, nursing services, occupational retraining).

Limits required by law

$50,000$25,000 per person; time limit is 4 years.
maximum $750 for chiropractic care,

$250 for massage therapy,

$250 for acupuncture.

Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law

$2,500.

$1,000.

A one-time payment to the surviving spouse and/or dependants if an insured person dies as a result of a car accident.

Limits required by law

$50,000$25,000$10,000 for the death of the head of the household, plus $1,000 to each dependent survivor after first;

$25,000$10,000 for the death of a spouse/partner;

$5,000$2,000 for the death of a dependant.

$10,000 for the loss of the head of the household or a spouse/partner,

Up to $3,000 for the loss of a dependent relative depending on age;

Plus survivor spouse/partner or dependent relative gets $15,000 for the first survivor and $4,000 for each remaining survivor.

Reimbursement for grief counseling services if an insured person dies as a result of a car accident.

Limits required by law

Up to $400 per family after death of any one person.

Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law

$5,000 per person.

Reimbursement for lost earnings if an insured person suffers an injury and is unable to work for the period of the disability.

Limits required by law

Employed: 80% of gross pay up to $400 per week for up to 104 weeks.

Unemployed person 18 years or older: $135 per week from up to 26 weeks.

Compensation for lost income if the insured person is unable to work.

Limits required by law

80% of gross income up to $250$140 per week.

Time limits: 104 weeks for partial disability, lifetime for total disability.

Unemployed principal housekeeper: up to $100$70 per week for up to 5212 weeks.

Optional Coverage

Most customers choose to carry additional coverage for their peace of mind.

Protect your good driving record at belairdirect and keep your premium from going up as a direct result of your first at-fault accident. When you've got Accident Forgiveness, you can rest assured that your good driving record and your premium are protected for as long as you are with belairdirect. Your good driving record should be rewarded, and that's exactly what happens.

Optional Coverage Limits

You can choose a higher deductible to help lower your premium or a lower deductible.

*Accident Forgiveness is available through Driving Record Protector.

*Accident Forgiveness is available through Responsible Driver Guarantee

Coverage against damage to the insured car when the insured person is partially or completely at fault, including collisions with other cars or objects, single-vehicle accidents and rollovers. Also, coverage when the insured vehicle is damaged by a hit-and-run driver or an uninsured driver.

Optional Coverage Limits
Limits required by law

You can choose a higher deductible to help lower your premium or a lower deductible.

Coverage against damage to your auto caused by fire, theft, vandalism, and other risks.

Optional Coverage Limits

You can choose a higher deductible to help lower your premium or a lower deductible.

Coverage against all perils, unless excluded, which combines the benefits of collision and comprehensive coverage.

Optional Coverage Limits

You can choose a higher deductible to help lower your premium or a lower deductible.

Coverage for damage caused by perils listed in the policy, including fire, theft, hail and others.

Optional Coverage Limits

You can choose a higher deductible to help lower your premium or a lower deductible.

This is an overview of some of the benefits for which you may be eligible for and is for informational purposes only. Some conditions and restrictions may apply. Please refer to your auto insurance policy, contact us for full details of the coverage.

Saving on your Car insurance

Sign up for the automerit® program from belairdirect to reap the rewards. You get a 5% enrollment discount just for signing up.

Learn more about automerit® and other ways to save on your insurance.

Car Insurance 101

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