Insurance for Students

Insurance is easier than you think.

We're here to help demystify car and home insurance so you can confidently choose the coverage you need to protect those important things in life. You can rest easy knowing we'll be here if you ever need advice, answers, or a helping hand.

Getting the right amount of insurance starts with understanding what you need. Different people use their cars in totally different ways and their coverage should reflect that. Check out the examples below to see how three types of students can use their car and the coverage they can have with belairdirect.

The Commuter

  • You are at University or collegeCEGEP
  • You still live with your parents in the suburbs
  • You use your car to get everywhere, including round trips to school five times a week; meaning both driving on the highway and city streets
  • You use the car to meet up with study partners a few times a week and for some much-needed friend-time on the weekend

Insurance Wish list

  • Save money
  • Enough liability coverage to be on the road
  • A rental car if yours is ever in the shop in case of covered damages

Suggested coverage

  • Standard Coverage
  • All perils other than collision or upset Coverage, so as to take full advantage of AutoComfort® benefits
  • All perils other than collision or upset Coverage, so as to take full advantage of Plus Pac benefits
  • All perils other than collision or upset Coverage, so as to take full advantage of Bonus Pac benefits
  • Collision Coverage, so you're covered for the cost of repairs to your car if you're in an accident (whether it's your fault or not)
  • Comprehensive Coverage, so as to take full advantage of AutoComfort benefits
  • Comprehensive Coverage, so as to take full advantage of Plus Pac benefits
  • Comprehensive Coverage, so as to take full advantage of Bonus Pac benefits
  • AutoComfortCoverage, which is great becauseyou know that if you have an accident, you'll get a rental vehicle while your car is being repaired
  • Plus Pac Coverage, which is great because you know that if you have an accident, you'll get a rental vehicle while your car is being repaired
  • Bonus Pac Coverage, which is great because you know that if you have an accident, you'll get a rental vehicle while your car is being repaired

Savings Summary

  • Student discount
  • Reduction on your premium, thanks to your driving course certification

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

The Urban Student

  • You are at University or college
  • You completed your driving training course
  • You rent an apartment with underground parking.
  • You use your car for weekend shopping trips with friends, grocery runs, and once in a while, weekend getaways to the cottage
  • You also head back home a couple times a month to catch up with your parents, who live outside the city

Insurance Wish list

  • The best rate possible with the most coverage
  • Coverage in case your car gets broken into or stolen
  • A company that appreciates having you as a client

Suggested coverage

  • Standard Coverage
  • Collision and upset and All perils other than collision or upset coverage just in case anything happens to your car
  • Collision and Comprehensive coverage just in case anything happens to your car
  • AutoComfort®Plus PacBonus Pac Coverage at no additional cost because you bundled your home and car insurance

Savings Summary

  • Car + Home discount
  • Student discount
  • Driving course certification discount

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

The Boomerang Student

  • You are at University or collegeCEGEP
  • You live in residence
  • Everything you need is right on campus, so during the school year, you don't drive that much
  • But you have a car because your family lives far away and driving really is the most efficient way to get home for a visit on breaks and holidays

Insurance Wish list

  • Save money
  • Help in case your car breaks down
  • Good coverage in case you are in an accident
  • No increase in your premium

Suggested coverage

  • Standard Coverage

Savings Summary

  • Student discount

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 your certifiedlicensed insurance agent if you have any questions.

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