Car Insurance FAQs & Answers
Shopping for Car Insurance
Usually, one-way means you're only insured with basic coverage, meaning you only have Liability and Direct Compensation Property Damage (DCPD) coverage. The Liability coverage would cover you if you were ever to get sued after an accident. The DCPD would cover damage to your vehicle if you're in an accident with another vehicle insured by a licenced insurer, when you are not or partially not at-fault. When you have two-way insurance, this usually means that your car is covered as well as the damage you cause to others.
Usually, one-way means you're only insured with basic coverage, meaning you only have Civil Liability. This covers any bodily or material damage you cause to others. When you have two-way insurance, this usually means that your car is covered as well as the damage you cause to others.
The choice is really up to you. The $2,000,000 option is mainly used by people who often travel outside the province or in the USA, where the insurance laws are not always the same. With $ 2,000,000, you would be better protected in case you get sued after an accident.
Your belongings are covered under your home insurance policy. So if you make a claim only for your belongings, it will be listed on your home insurance. If you make a claim for both your car and your belongings and you're insured with belairdirect for both lines of insurance, you only pay one deductible (the higher one).
To be covered for hit and run, you need to have Collision CoverageCollision and upset Coverage. Keep in mind that for an event to be considered a hit and run, a police report must be filed within 24 hours. However, if you’re not covered, you can request compensation from SAAQ. Please keep in mind that this doesn’t replace coverage offered by insurance companies.
A: Yes, in Canada and the U.S. But if you're planning to use it for a trip that's six months or longer, you'll need to contact us so we can have a look at your situation and see if you have the best coverage for you.
Yes, in Canada and the U.S. But if you're planning to use it for a trip that's three weeks or longer, you'll need to contact us so we can have a look at your situation and see if you have the best coverage for you
Yes. You're still the owner of this vehicle and are still responsible for it, even if it's in storage. Any damage that happens to your vehicle during that time wouldn't be covered if you don't have insurance.
Everybody that's listed as a driver on your vehicle or policy. Someone who already has insurance as a primary driver on another vehicle can drive your car as well. If someone is not insured anywhere and drives your vehicle, you should tell your insurance company so that person can be mentioned (and covered) on your policy.
There are several factors we take into consideration when we calculate your car insurance premium. The two main factors are the cost of parts (which don't always decrease, like the value of the vehicle), and the cost of the repairs (we need to pay the mechanics who repair your vehicle). We also take the type of vehicle into consideration (if it had a high rate of claims for vehicle damage over the past year).
Yes. If you ever need to file a claim, damages won't be covered if your son/daughter isn't mentioned on the policy. It's important to insure any new driver, even if they don't drive often and only have a learner's permit.
We do take your age into consideration when we calculate your premium. Statistically, drivers who are 25 or older are less at risk. But there are many other factors that affect your premium, too, such as: the type of car you drive, your claims record, how you use your vehicle, where you live, and many other factors. So although your premium won't automatically change once you turn 25, your age will be taken into consideration when it's time for your renewal.
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.
Every insurance company is different, but most will offer you ways to save on your insurance premium. When you're insured with belairdirect, you've got many ways to save:
- Insuring your car and home together
- Insuring more than one car on the same policy
- Increasing your deductible
- Being a good driver
- Paying your premium in one lump sum
- Taking steps to decrease your risk
Yes. If you own a car, you must have a minimum amount of insurance. It's the law.
Yes. If you want to drive a car in Quebec, you need to have civil liability insurance. If you don't have civil liability insurance, you could have to pay huge expenses if you injure someone or damage someone's property. Rest assured that with belairdirect, you're covered in case these things happen, up to your maximum insurance coverage.
If you want to drive a car, there's a minimum amount of insurance you need to have. This minimum amount of insurance is outlined in our standard coverage chart. You'll also see options for increasing the amount of coverage you have or buying more coverage.
If you want to drive a car in Quebec, there's a minimum civil liability insurance you need to have. This minimum is $50,000 in Civil Liability, however, if you finance or lease your car, the financing company usually asks you to get complete coverage. This includes Liability, Collision and upset and All perils other than collision or upset. Have a look at our easy-to-read coverage chart that outlines these sections and minimum coverage. You'll also see options for increasing the amount of coverage you have..
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.
Making a Claim
Only at-fault claims affect your insurance premium, but you should report all of your claims to your insurance company. But if you have The Accident Forgiveness from belairdirect, your insurance premium won't go up as a direct result of your first at-fault accident. Interested in adding The Accident Forgiveness to your coverage? It's easy.
Generally, most claims will affect your insurance premium, especially an at-fault claim. But if you have The Accident Forgiveness from belairdirect, your insurance premium won't go up at renewal as a direct result of your first two at-fault accidents. Interested in adding The Accident Forgiveness to your coverage? It's easy.
In Ontario, we follow a set of rules known as ‘Fault Determination Rules.' These rules look at all kinds of possible accident scenarios, without factoring in visibility, road conditions, weather, or pedestrian actions. If these rules aren’t applicable, we look at the ordinary rules of law.
A deductible is the part of a claim that you need to pay yourself. In other words, it's the amount that's deducted from the total you get from us. Deductibles are different depending on the type of claim (whether it’s for Collision or Upset, All Perils or Comprehensive).
A deductible is the sum deducted from part of a claim that you need to pay yourself. In other words, it's the amount that's deducted from the total you could get from us. Deductibles are different depending on the type of claim (whether it's for Collision and upset or All perils other than collision or upset). For Collision and upset coverage, you can usually choose between $250 and $500, and for All perils other than collision or upset coverage, you can choose $50, $100, $250 or $500. Please keep in mind that with every different situation, conditions may apply.
Ultimately, you can go anywhere you'd like, but we're more than happy to recommend one of the certified repair shops in our Rely Network®. We trust these shops to get the job done right, and the repairs are guaranteed for as long as you own your car. Also, you can rest easy knowing your belairdirect coverage gives you priority treatment in these shops.
It depends. You'll qualify for a rental vehicle in these cases:
- If you've got a rental car option on your policy (whether or not you're at fault)
- If you've got belairdirect's AutoComfort® coverage (whether or not you're at fault)
- If you only have standard coverage, and you're not at-fault
This means that it would cost more to repair it than what the car is actually worth. You might be offered a settlement based on the car's cash value, depending on your coverage.
We'll bring in an appraiser who will look up the going rate for cars like yours in your area. They'll also look at the condition of your car before the accident, paying attention to things like mileage, options, and any damage that was there before the accident.
It depends. If a claim settlement gets the green light, the payment can go either to you (if you own the vehicle), or to the lessor company (if your vehicle is leased), or jointly to you and to the finance company (if your vehicle is financed).
A fresh coat of paint, a hardtop, or wheel cover will definitely affect the value of your vehicle. If you're interested in exactly how, you can ask a claims adjuster. Regular maintenance checks – oil changes, sparkplug changes and mechanical work – will help keep your vehicle in good working order, but won't increase its value.
We strongly recommend that you let your insurance companies settle your claims. We've seen private settlements end badly in the past, because problems can definitely come up. You could be left to foot the bill and you'd have no way of then claiming it through your insurance company. Your best bet is to let us deal with everything in a fair and equitable way.
We do take your age into consideration when we calculate your premium. Statistically, drivers who are 25 or older are less at risk. But there are many other factors that affect your premium, too: the type of car you drive, your claims record, how you use your vehicle, where you live, and many other factors. So although your premium won't automatically change once you turn 25, your age will be taken into consideration when it's time for your renewal.
It's totally up to you. There are good reasons for or against each option. For instance, if you stay on your parents' policy, they can take advantage of multi-car discounts and possibly get better rates because of their life stage and stability. On the other hand, if your parents have an expensive car, their rates could go up because you're now driving it. If you get your own policy, you're in total control of your coverage options and payment terms. On the other hand, your rates may be higher because you can't take advantage of your parents' pricing.
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.
We've got good news. If you're under the age of 25 and are a full-time student at a recognized College or University, you're eligible to save up to 10% on your car insurance with belairdirect. You can also consider adding The Accident Forgiveness to your coverage to protect against your car insurance premium going up as a result of your first at-fault accident. You can also consider raising your deductible. And it goes without saying that being a good driver is always the best way to keep your premium from going up.
We've got good news. If you're under the age of 25 and are a full-time student at a recognized College or University in Quebec, you're eligible to save up to 10% on your car insurance with belairdirect. You can also consider adding The Accident Forgiveness to your coverage to protect against your car insurance premium going up as a result of your two first at-fault accidents. You can also consider raising your deductible. And it goes without saying that being a good driver is always the best way to keep your premium from going up.
Everybody that's listed as a driver on another vehicle or policy can drive your vehicle. Someone who already has insurance as a primary driver on another vehicle can drive your car as well. If someone is not insured anywhere and drives your vehicle, you should tell your insurance company so that person can be mentioned on your policy.
With belairdirect, you get a discount when you insure two or more cars on the same policy. It's our Multi-vehicle Discount.
Your premium will increase when you insure another car. But by insuring more than one vehicle with belairdirect, you can take advantage of our Multi-vehicle Discount.
Potentially. When you move, we will need to take a look at the changes in your situation. Things like the distance you drive to work every day and where you live will affect your premium.
If you're driving a lot less now that you're not going to work every day, you should have a chat with one of our certified insurance agents to see if you're eligible for a reduction in your premium.
A: If you insure your house and your car with belairdirect, you're eligible for our Car + Home Discount.
If he/she takes driving lessons at a school that's approved by the Ministry of Transportation of Ontario (MTO), she may be eligible for a lower insurance rate. Also, if she's under the age of 25 and a full-time student at a recognized college or university in Ontario, she's eligible to save up to 10%.
When your son or daughter starts to drive and gets insured as a primary driver, he or she will start getting insurance experience that can affect his/her premium when he/she has his/her own car. Also, he or she may be eligible for our occasional driver discount if he/she has his/her learner's permit and is under the age of 25.
This depends on a lot of things, like where you're going and how long you'll be gone. It's a good idea to have a chat with one of our licenced insurance agents. They can assess the situation and let you know whether your car insurance coverage is good as it is or whether you need to make some changes.
automerit® - Signing up
automerit is our insurance program that gives you a personalized discount based on your driving habits (hard braking, acceleration and the time of day that you drive). The better you drive, the more you can save.
Not only could you save up to 25% on your car insurance, once you complete your assessment period, but you'll also receive valuable feedback about your driving habits, which can help you save even more. Not only could you save up to 25% on your car insurance at renewal, but you'll also receive valuable feedback about your driving habits, which can help you save even more.
No, your premium will not increase as a result of the automerit program and the data collected while driving (time of day you drive, braking, and acceleration).
No. Enrolling in our automerit program is free.
You can sign up for the automerit program when you get a quote and purchase a car insurance policy, at belairdirect either online or over the phone.
The eligibility conditions are the following:
- The vehicle must be manufactured after 1998 and have an OBD port (On-Board Diagnostic system)
- Must qualify for insurance with belairdirect
- The vehicle may not be in storage;
- You need to have internet access and a valid email address
- The policyholder or the driver designated by the policyholder, enrolled in automerit, must be the principal driver of at least one vehicle included in the policy which meets the annual premium requirement established by automerit and you must meet our underwriting rules.
We will send you your automerit device by mail. Just plug it in your OBD port (On-Board Diagnostic system) and drive as usual. Once installed, we will send you an email containing all the information you need to log in to your dashboard so that you can view your driving profile and your potential discount.
Of course. In fact, you can cancel at any time if you decide automerit isn't for you. However, you would not be eligible for any further discounts.
Yes. Every principal driver on the policy can enroll if they meet the eligibility criteria.
You may not earn any automerit discounts, but you could always improve by following the tips we provide through the automerit program.
Yes, if you are the principal driver named on the policy, and if you meet the eligibility requirements of the program. You'll only need to plug in the automerit device on the car that you use the most and we'll apply your discount on all the other cars for which you are the principal driver.
automerit - Setting up
After you sign up, you'll receive the automerit device by mail. You simply plug the device into your OBD (On-Board Diagnostic system) port in your car and start driving. Your driving data is automatically sent to us so we can assess your driving habits. You will also be able to login to your dashboard to track how you're doing.
The automerit device plugs into your car's OBD (On-Board Diagnostic system) port. An installation guide is sent to you along with your device. If you have trouble plugging in your device, please refer to the installation guide or call us for assistance if it still doesn't work.
It can usually be found underneath your steering column, but when in doubt, check your owner's manual.
The automerit device has a blinking light that lights up once you've started your car. If you don't see one, unplug it, review the installation details, and then plug it back in.
Don't worry. If your device stops working, simply contact us and we'll send you a new one.
If we do not receive any data from your car for 30 days or more, you may be removed from the automerit program and you would not be eligible for any further discounts. We suggest you advise us if you would like to remove the device from your car.
If the vehicle is in a service shop, the device can be temporarily removed but should be plugged back in when service is complete. If it will be removed for more than 30 days, please advise us.
At the end of the automerit assessment period, we'll send you a pre-paid envelope. Simply insert the device in the package and drop it in the mailbox and you're done.
If I've just enrolled in the automerit program, but I'll be out of town. Can you hold my automerit device or send it to another address?
If you have just signed up for the program, the device will be sent to your mailing address, we cannot deliver it to a different address. If you are out of town please call us to arrange for a different delivery date.
The device is designed to fit most OBD ports on cars built after 1998. In the event that it is physically impossible to plug the device into your car, we will not be able to capture your driving data and therefore we won't be able to provide feedback or calculate a discount. You will not be eligible for the automerit program. In that case, please call us and we'll send you a pre-paid envelope so that you can send back the device free of charge.
Data can take up to several hours to appear in your dashboard. Also, make sure you have properly plugged the device into your OBD port and that you have subsequently started your engine. Should the issue persist, please contact us for more information.
Yes. Therefore, if your vehicle will not be used for a long period of time, you can remove the device but please call us before doing so.
automerit - Saving
automerit rewards you with a personalized rate by assessing the following three factors:
Hard braking increases the risk of being involved in an accident. The system therefore calculates the ratio of hard braking events on total km driven to determine your personalized hard braking factor. A hard braking event is defined as any decrease of speed of 12 km/h or more in less than 1 second.
Rapid accelerations increase the risk of being involved in an accident. The system therefore calculates the ratio of rapid acceleration events on total km driven to determine your personalized rapid acceleration factor. A rapid acceleration is defined as any increase of speed of 12 km/h or more in less than 1 second.
Time of day
Driving between 12 a.m. and 4 a.m. increases the risk of being involved in an accident. Many elements, such as reduced visibility and fatigue, make this time of day the riskiest.
If you can safely avoid hard acceleration and braking, you are on your way to savings. Time of day is also a factor (since accident risks are generally higher during 12 a.m. and 4 a.m.).
We look for the frequency of events and regular driving behaviours. We know that even the best drivers have to brake hard occasionally. So it doesn't necessarily mean that if you brake hard once, it will have a negative impact on your premium.
With belairdirect there are many ways to save. We offer discounts such as the Car + Home discount and Multi-vehicle discount. Call us to see if you're eligible for these savings.
By logging into your dashboard, you'll be able to see your potential automerit discount 30 days after you've installed the device and begun driving. At renewal, you could save up to 25% on your car insurance
You will receive your 5% enrollment discount when you sign up. Once you complete your 6-month assessment period, you could save up to 25% on your premium. You will receive your 5% enrollment discount when you sign up. At renewal, you could save up to 25% on your car insurance.
The principal driver named on the insurance policy is eligible to receive discounts on all the cars for which he is listed as the principal driver.
If you're eligible for further automerit discounts, your insurance policy will be updated once you've completed the 6-month assessment period.If you are eligible for further automerit discounts, your premium will be adjusted at renewal.
If eligible, you could get The Accident Forgiveness® or Autocomfort® coverage. Start a quote today to view all our coverage options.
automerit - Privacy
We use care and strict security safeguards when storing or destroying your personal information in order to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. In the event that we transfer your personal information to a third party in Canada or across borders, we contractually require such third party to protect your personal information in a manner consistent with our privacy safeguarding measures, subject to the laws in the third party jurisdiction.
The driving data will be used to determine your eligibility and level of discount for the automerit discount following your assessment period. We may also analyze the driving data to determine whether your policy and premium are reflective of your particular insurance profile.
As a general rule, your information shall be kept as long as it is reasonable to do so for a legal or business purpose.
belairdirect and OCTO will only use and disclose your information in accordance with the automerit program, unless otherwise required by law, and will never sell your information to third parties.