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.

Basic auto insurance coverage required in British Columbia

belairdirect does not provide the compulsory basic auto coverage required in British Columbia. You must obtain this coverage from the government mandated insurer, ICBC. Please refer to their materials carefully for details.

Optional auto insurance coverage offered in British Columbia

Additional Coverages available in British Columbia

There are various additional coverages available in British Columbia from belairdirect. You may want to purchase these coverages at such time as you obtain your optional Excess Third Party Liability, Collision, and Comprehensive coverages through belairdirect.

Liability 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

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.

Mandatory Coverages in Alberta New Brunswick Nova Scotia Prince Edward Island

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:

Optional Coverage

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

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

Are you new to car insurance? Or just want to know a little more about it? We're here to help.

Learn more about car insurance

Get a car quote

Accident Benefits

If you’ve been injured in a car accident, you may be entitled to certain financial benefits that will assist you while you’re recovering. Statutory Accident Benefits Schedule (or SABS) is the provincial regulation of benefits, standardized among insurance companies. Statutory Accident Benefits provide compensation, regardless of fault, if you, your passengers or pedestrians suffer injury in an automobile accident.

Effective June 1, 2016, the Ontario government has introduced changes to the auto insurance system to help make insurance premiums more affordable. These changes only apply to auto insurance policies issued or renewed on, or after, June 1, 2016.

To learn more about what belairdirect auto insurance coverages and benefits will be changing and how that will affect your policy, please take a look at the Frequently Asked Questions.

For general information about auto insurance in Ontario, more about these changes, definitions of different types of coverages and a glossary of insurance terms, please visit www.fsco.gov.on.ca or www.ibc.ca.

On June 1, 2016, if you’re buying a new policy or renewing an existing one, you should be aware of the following changes to your auto insurance:

For non-catastrophic injuries
Current policy (until June 1, 2016)
Medical and Rehabilitation: $50,000
Attendant Care: $36,000
New policy (after June 1, 2016)
Combined and reduced to $65,000 total.
Optional
Increase the benefit to $130,000 total.
For catastrophic injuries
Current policy (until June 1, 2016)
Medical and Rehabilitation: $1,000,000
Attendant Care: $1,000,000
New policy (after June 1, 2016)
Combined and reduced to $1,000,000 total.
Optional
An additional $1,000,000 for a total of $2,000,000 for catastrophic injuries.
All injuries
Current policy (until June 1, 2016)
Medical, Rehabilitation and Attendant Care: Not applicable.
New policy (after June 1, 2016)
Medical, Rehabilitation and Attendant Care: Not applicable.
Optional
Increase the combined non-catastrophic benefit to $1,000,000 and the combined catastrophic benefit total to $2,000,000.

Some important things to remember about these choices:

  • If you have previously purchased any of these optional benefits, please check your policy because it may have changed to reflect amounts in new options.
  • Medical, Rehabilitation and Attendant Care benefits for minor injuries are fixed at a maximum limit of $3,500.
  • If you purchase the additional Medical, Rehabilitation and Attendant Care benefit for both catastrophic injuries and all injuries, the total eligible benefit amount for a catastrophic impairment would be $3,000,000.
Income replacement benefit
Current policy (until June 1, 2016)
70% of gross income (up to $400/week).
New policy (after June 1, 2016)
No change.
Optional
$600, $800 or $1,000/week.
Dependant care benefit
Current policy (until June 1, 2016)
Not provided.
New policy (after June 1, 2016)
No change.
Optional
$75/week for the first dependent and $25/week for each additional dependent (up to $150/week).
Death and funeral benefit
Current policy (until June 1, 2016)
Death benefit up to $25,000; Funeral expenses up to $6,000.
New policy (after June 1, 2016)
No change.
Optional
Up to $50,000;
Funeral expenses up to $8,000.
Housekeeping and home maintenance expenses
Current policy (until June 1, 2016)
$100/week (for catastrophic injuries only).
New policy (after June 1, 2016)
No change.
Optional
Available for all injuries as part of the increased caregiver expenses.
Caregiver benefit
Current policy (until June 1, 2016)
$250/week for first dependent $50/week for each additional dependent (for catastrophic injuries only).
New policy (after June 1, 2016)
No change.
Optional
Available for all injuries.
Indexation benefit
Current policy (until June 1, 2016)
Not provided.
New policy (after June 1, 2016)
No change.
Optional
Annual adjustment for inflation for many benefits according to the Consumer Price Index for Canada.
Tort Deductibles (OPCF 48)
Current policy (until June 1, 2016)
$36,905.40 deductible for court-awarded compensation for pain and suffering (Jan. 1-Dec. 31, 2016).
New policy (after June 1, 2016)
No change.
Optional
Reduce deductible by $10,000 regardless of annual indexation percentage increases.

Frequently Asked Questions

Uninsured Automobile Coverage

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.

Direct Compensation – Property Damage

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.

belairdirect roadside assistance®

Sign up for belairdirect 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 (cars only)
    • Battery boost
  • 24/7 assistance

Autocomfort®

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

Accident Forgiveness

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*.

Accident Forgiveness Open Road

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.

We want you to fully benefit from the Accident Forgiveness. You will find below some conditions and eligibility criterias to make sure there’s nothing to stop you from receiving the full benefits of this coverage.

  • This endorsement protects your driving record from an increase of your premium resulting from one (1) or two (2) at-fault accidents within a 5-year period.
  • Accident Forgiveness endorsement applies to the vehicle that corresponds with it and cannot be transferred onto any other vehicle on the policy.
  • The Accident Forgiveness endorsement must be present on the car insurance policy at the time of the at-fault accident.
  • If there's an at-fault accident while the Accident Forgiveness endorsement is valid, you must maintain this coverage to remain eligible for the driving record protection.
  • Accident Forgiveness is attached to the principal driver of the vehicle listed on the policy.
  • You need to be at-fault accident free for the previous five years preceding the addition of this endorsement to your car insurance policy.
  • The vehicle must be used for personal use only.
  • The principal driver must hold a valid driver's license for at least 5 years.
  • The vehicle must be covered for at least $1 000 000 in civil liability.

Collision and upset Insurance Coverage

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.

All perils other than collision or upset Insurance Coverage

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.

Increased Liability 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

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.

Collision Insurance Coverage*

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.

Comprehensive Insurance Coverage*

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.

Third Party Liability

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.

Direct Compensation - Property Damage (DCPD)

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.

Uninsured MotoristAutomobile Coverage

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.

Medical PaymentsMedical and Rehabilitation Benefits

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

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

Limits required by law

$2,500.

$1,000.

Death Benefits

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.

Grief Counseling

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 Benefits

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

Limits required by law

$5,000 per person.

Total Disability Income Benefit

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.

Loss of Income

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.

Accident Forgiveness*

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

Excess Third Party Liability

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.

Optional Coverage Limits
$800K, $1.8M, $2.8M, $3.8M and $4.8M.

Collision or Upset

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.

Comprehensive

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

Deductibles

The deductible is a specific sum deducted from a loss that you need to assume. This is figured out when you purchase your coverage. With belairdirect, deductibles apply to Collision and Comprehensive claims. There are no deductibles for liability claims. You may select your own deductible for you Collision and Comprehensive coverage. Generally, selecting a higher deductible could help to lower your premium. belairdirect continues to offer low deductibles, with Collision deductibles starting at $300 CAD, and Comprehensive deductibles as low as $200 CAD.

Autocomfort®

Autocomfort. It includes Loss of Use coverage ($), Travel Protection coverage, and Rental Automobile coverage. In order to add Autocomfort coverage to your policy, you must have coverage for Collision or Upset and Comprehensive.

Loss of Use

This coverage provides you with access to temporary transportation when your automobile is damaged, stolen or otherwise unavailable to you due to an insured loss. If your vehicle is stolen or rendered inoperable by loss or damage caused by a covered Collision or Comprehensive loss, we pay reasonable expenses incurred by you for the rental of a similar substitute vehicle or for public transportation subject to the limits of the policy. Coverage comes into effect from the time of loss or damage. If your automobile is stolen, this coverage comes into effect when the theft is reported to belairdirect.

The coverage ends on the date:

  1. your automobile is repaired or replaced,
  2. we offer you a payment to settle the claim, or
  3. your total limit is reached, whichever happens first.

There are two options available: Depending on the level of coverage you have chosen, belairdirect pays up to a maximum $750 CAD or $1000 CAD per occurrence.

Note: Selecting a higher limit (where available) will help extend the available length of your rental. Drivers of Trucks/Vans/SUVs should be aware that the rental rates for these types of vehicles are significantly higher than a typical passenger vehicle; therefore you may want to select a higher limit.

This coverage is part of the Autocomfort package.

Rental Automobile

This coverage provides insurance coverage for you when you rent an automobile for use in Canada or the United States. Rental Automobile coverage allows you to rent a vehicle when you are on vacation or a business trip without having to buy physical damage insurance from the rental agency. There is a limit of $75,000 CAD on the rental vehicle.

In addition, we provide Loss of Use coverage on the rental vehicle up to $50 CAD a day up to $500 CAD per occurrence.

Travel Protection

This coverage pays for unexpected expenses due to an accident or theft of your automobile while on a trip away from home.

If you are on a trip away from home with the automobile described on your Summary and it is stolen or rendered inoperable by a loss or damage of the type covered under your insurance through belairdirect, we reimburse you for the following reasonable expenses that arise up to specified limits for the following:

  • Additional Living Expenses.
  • Replacement Rental Vehicle.
  • Towing.
  • Personal Return Home Expenses.
  • Vehicle Return Home Expenses.

Extended Sound or Communication Equipment

This option covers permanently attached and shuttle-mounted sound and electronic communication equipment installed in the vehicle that was not supplied or available from the vehicle manufacturer. This coverage is ideal for clients who have permanently installed aftermarket sound or communication equipment with a total value in excess of the $1000 CAD aggregate amount covered through belairdirect. To be eligible for this coverage you must carry Comprehensive coverage and the vehicle must be equipped with a belairdirect approved security device. Receipts for the equipment are required to purchase this coverage. Please note that coverage for radar detectors is not available.

Excess Underinsured Motorist Protection (UMP)

Underinsured Motorist Protection covers you and the members of your household in the event of an accident where the at-fault motorist carries a limit on his or her liability coverage that is lower than the amount of damages to which you or the member of your household is entitled. Underinsured motorist protection of $1M is a component of the government mandated coverage.

belairdirect offers Excess Underinsured Motorist coverage which provides up to $4M of additional coverage in the event you or a member of your household is injured or killed by an underinsured motorist. This coverage applies only as excess to valid Underinsured Motorist Protection under your government mandated coverage. The amount paid for any one occurrence, regardless of the number of Insured Persons injured or killed in an accident, shall not exceed the limit stated in your Summary.

Limited Windshield Coverage

By limiting the windshield and window coverage otherwise available to you, your Comprehensive premiums will be reduced. Note that if you choose this option, you will not be covered for certain types of damage, such as damage caused by flying or falling objects that may hit your windshield or windows.

belairdirect roadside assistance®

Sign up for belairdirect 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 (cars only)
    • Battery boost
  • 24/7 assistance

All Perils

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.

Specified Perils

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.

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