Protect your insurance premium from going up as a result of an accident with Accident Forgiveness from belairdirect

Don’t let an accident affect your insurance premium. You take your time on the road and do your best to drive safely. However, there are also approximately 160,000 car accidents in Canada each year. With the Accident Forgiveness endorsement from belairdirect, you can rest assured that your driving record is protected from going up as a result of an accident.

Protect your insurance premium from going up with Accident Forgiveness from belairdirect

What is Accident Forgiveness car insurance coverage?

Accident Forgiveness from belairdirect is an additional endorsement on your auto insurance policy that could prevent your insurance premium from increasing as a result of an accident. Please consult the information on each province below for more details and limitations.

What does Accident Forgiveness insurance cover?

In the event of an accident, if you have Accident Forgiveness in place on your insurance policy, belairdirect may forgive the accident, meaning the accident won’t directly result in increased premiums.

This is because belairdirect has faith in your safe driving habits and understands that accidents can happen to anyone – that's why they’re called accidents, not planned collisions. That’s why belairdirect offers the Accident Forgiveness Endorsement to get you back on track as if nothing happened.

Why does car insurance go up after an at-fault accident?

After an accident, insurance rates for the drivers involved will typically go up.

Car insurance premiums are calculated in part by using your driving record. Events such as tickets, past claims, criminal convictions, and of course, accidents, are all taken into account.

An insurance company usually has access to your driving history. It is important to remember that auto insurance is calculated using risk factors.

Statistically speaking, the more accidents you’re involved in, the higher the risk for an insurance company when they decide to take you on as a customer.

It’s important to always be vigilant on the road when behind the wheel. According to the Insurance Corporation of British Columbia, statistically speaking, the three most common causes of accidents are driving under the influence, reckless speeding and distracted driving.

That’s why it’s so crucial that all drivers follow the rules of the road.

With Accident Forgiveness from belairdirect, you might be able to rotect your premium from increasing due to an accident on your driving record. It’s belairdirect’s way of letting you know that we trust you, and that accidents can happen to anyone.

How do you qualify for the Accident Forgiveness insurance coverage?

Here’s how the Accident Forgiveness Endorsement from belairdirect works in Alberta:

  • The Accident Forgiveness Endorsement must be present on your insurance policy before your first at-fault accident occurs.
  • The Accident Forgiveness Endorsement does not apply if there is any violation of the Statutory Conditions or policy conditions in relation to the auto accident.
  • The Accident Forgiveness Endorsement will not apply if you’re convicted of any criminal code offence, or a major conviction.
  • Adding a driver to your policy with a poor record that drops your driving record below the level of DR7 will invalidate your eligibility for the Accident Forgiveness endorsement.

Here’s how the Accident Forgiveness Endorsement from belairdirect works in Ontario:

  • The Accident Forgiveness Endorsement must be present on your insurance policy before an at-fault accident occurs.
  • Accident Forgiveness will only protect the principal driver of the vehicle listed on the insurance policy.
  • You’ll have to be at-fault claims-free for the previous seven years before an at-fault accident occurs to be eligible for Accident Forgiveness
  • You must purchase the Accident Forgiveness Endorsement each year, as coverage is only valid for one term at a time.
  • After an at-fault loss while the Accident Forgiveness Endorsement is in-force, the endorsement will need to be present on your policy each year in order to remain eligible for the driving record protection.
  • The Accident Forgiveness Endorsement does not apply if there is any violation of the Statutory Conditions or policy conditions in relation to the auto accident.
  • The Accident Forgiveness Endorsement will not apply if you’re convicted of any criminal code offence, or a major conviction.

Here’s how the Accident Forgiveness Endorsement from belairdirect works in Quebec:

  • The Accident Forgiveness Endorsement must be present on your insurance policy before an at-fault accident occurs.
  • Accident Forgiveness could prevent your insurance premium from going up for your first two at-fault accidents.
  • You must purchase the Accident Forgiveness Endorsement each year, as coverage is only valid for one term at a time.
  • After an at-fault loss while the Accident Forgiveness Endorsement is in-force, the endorsement will need to be present on your policy each year in order to remain eligible.
  • The Accident Forgiveness Endorsement does not apply if there is any violation of the Statutory Conditions or policy conditions in relation to the auto accident.
  • The Accident Forgiveness Endorsement will not apply if you’re convicted of any criminal code offence, or a major conviction.
  • Adding a driver to your policy with a poor record that drops your driving record below a certain level will invalidate your eligibility for the Accident Forgiveness endorsement.

Please note that each province has its own guidelines and criteria for Accident Forgiveness eligibility. Talk to a belairdirect agent to see if you meet all requirements for your home province.

Accident Forgiveness from belairdirect

Get a quote online or talk to a belairdirect agent if you still have questions about Accident Forgiveness.

Frequently asked questions about
Accident Forgiveness

A premium is the amount you pay to an insurance company for your coverage.

When we calculate your premium, we look at a lot of things, including:

  • Your age and driving experience
  • Whether your vehicle is for business, commuting or leisure
  • The year, make, model and type of vehicle
  • Claims you've made in the past
  • The driving history of any other people who will be behind the wheel

Everyone's situation is different, so everyone's premium will be too. It's important to get the right amount of coverage for your unique situation so you're not overpaying or underinsured.

Yes, it absolutely does. Insurance companies have a ton of statistics that show, in general, which vehicles have the most and least claims attached to them by make, model and year. More claims generally equal higher risk to insure and vice versa. Some vehicles are harder to repair, or may not have parts readily available. These also affect premiums.

As you may already have noticed, student insurance premiums are usually some of the highest around. Generally speaking, this is because most students fall into an age group that has a pretty high accident rate. Many of you are new to driving and are still gaining experience behind the wheel, so there's a higher risk of being involved in an accident. This higher risk leads to higher premiums.

At an-fault accident is when you’re considered responsible for an accident you’re involved in.

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