Insurance for Families

Get the insurance that grows with you.

As your family grows and changes, your car and home insurance should too. Rest assured that with belairdirect, you can customize your insurance to accommodate all kinds of changes, like adding assets or having a teen who’s starting to drive.

Insure your car

Mom, Dad, Can I Borrow the Car?

  • You have two cars, and they’re both registered under the same name
  • Ever since your son got his license, he’s been asking to borrow the car every chance he can
  • One of you works from home, so one car is usually in the driveway apart from running out for errands or taking one of the kids to soccer or ballet
  • The other car gets plenty of road-time since one of you commutes to work every weekday

Insurance Wish list

  • Complete coverage for a family with a new driver
  • Protection for the value of your cars
  • Recognition for your loyalty

Suggested coverage

  • Standard Coverage
  • Collision and upset Coverage and All perils other than collision or upset Coverage for peace of mind as your son is still relatively new to driving
  • Collision Coverage and Comprehensive Coverage for peace of mind as your son is still relatively new to driving
  • Replacement Cost Coverage for your leased cars
  • Waiver of depreciation

Savings Summary

  • Multi-vehicle discount
  • Only Loyalty benefit for not jumping around from insurer to insurer
  • Rate reduction thanks to your son's driving course certification

Please keep in mind that these are just examples. Your individual needs are unique, and your coverage will reflect that.

Insure your Home

Growing Family

  • You have a new baby
  • You have a beautiful new home that you custom designed
  • You own a car that you use daily
  • You also inherited a cottage

Insurance Wish list

  • Best rate possible with the most coverage
  • Adding coverage for your cottage on the same policy
  • Recognition for being responsible home owners

Suggested coverage

  • Standard homeowners coverage because it covers both properties plus the toolshed in your backyard and the boat that came with the cottage
  • Car and home coverage
  • SOS Home for all your electronics
  • Standard homeowners coverage because it covers the toolshed in your backyard
  • Separate insurance for your cottage and boat
  • Water Damage endorsement because you live in a mature neighbourhood

Savings Summary

  • Car + Home Discount
  • Claims-Free benefit because you haven’t made a claim in the past five years
  • New home benefit because your home is less than 10 years old
  • Prevention discount because you installed an alarm system
  • Non-Smoker benefit
  • HydroSolution savings
  • Occupation Association benefit because of your workplace

Please keep in mind that these are just examples. Your individual needs are unique, and your coverage will reflect that.

Mature Family

  • Your kids recently moved away for college
  • Instead of keeping your big house, you moved into a condo: no more mortgage!
  • One of the rooms in the condo, is used as a photography studio
  • You own only one car

Insurance Wish list

  • A company who appreciates your business
  • Complete coverage at a rate you can manage
  • Protection for your various collections

Suggested coverage

  • Standard condo coverage
  • Special coverage for your cameras and equipment
  • Identity Theft coverage because you gave your son a credit card and you don’t know where he’ll use it
  • 2-Year Policy
  • Special coverage for your collections

Savings Summary

  • Car + Home 55 discount
  • Prevention benefit for having a security system
  • Claims-Free benefit for no claims in the last five years
  • 2-Year Policy to protect against increases in your premium
  • Car + Home Discount
  • Claims-Free benefit for no claims in the last five years

Please keep in mind that these are just examples. Your individual needs are unique, and your coverage will reflect that.

The above examples are for illustrative purposes only. Your coverage will vary based on each person's individual insurance needs and profile. Please contact our certifiedlicensed insurance agent if you have any questions.

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