Agreement pertaining to the use of the belairdirect.com web site
In Ontario, belairdirect insurance products are underwritten by Belair Insurance Company Inc. and The Nordic Insurance Company of Canada. In British Columbia, Alberta and Quebec, belairdirect insurance products are underwritten by Belair Insurance Company Inc. In New Brunswick, Nova Scotia, and Prince Edward Island, belairdirect insurance products are underwritten by Trafalgar Insurance Company of Canada. Services in all regions except Quebec are provided by belairdirect Agency Inc. Services in Quebec are provided by Belair Insurance Company Inc.
For more information, please visit About belairdirect.
Belair Insurance Company Inc., The Nordic Insurance Company of Canada, belairdirect Agency Inc., and/or Trafalgar Insurance Company of Canada are hereinafter referred to as “we”, “us”, and/or “our”.
The information provided by us is believed to have been accurate and reliable when posted on the Site, but we cannot guarantee that the information available on the Site will be accurate or complete or current at all times.
The terms, exclusions and conditions of the insurance products mentioned on this Site are described in a detailed and complete manner. However, in case of any discrepancy between the insurance contract and the Site, the insurance contract will prevail.
Interpretation and Jurisdiction
If any provision of the Agreement, in whole or in part, is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any remaining provisions of the Agreement.
Access and use of this Site are subject to all laws and regulations applicable in Ontario, Quebec, British Columbia, Alberta, New Brunswick, Nova Scotia, and Prince Edward Island depending on the section that you are visiting.
Insurance products mentioned in this Site are sold in Quebec, Ontario, British Columbia, Alberta, New Brunswick, Nova Scotia, and Prince Edward Island only. Only residents of these provinces, who have reached the age of majority and who can validly be bound by an agreement under applicable laws can use this Site. It is your responsibility to determine if you can legally use the Site in compliance with all applicable laws.
You recognise that Internet is not entirely secure and the confidentiality of the information cannot be guaranteed. For more information on ways to do business online safely and securely, please read our guide on Online Security. We are not liable for any direct and indirect damages which may arise if you do not take the necessary steps to enhance your security when using the Internet for your transactions online.
From time to time, we and our designated representatives let clients know about the various products and services available. If clients do not wish to receive written or electronic communications, they can choose to have their name, address, e-mail address and telephone number removed from our lists.
Cookies are small data files sent to your Internet browser that allow us and our third party service providers to recognize you when you visit the Site. If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.
Google Analytics is a website analytics service provided by Google Inc. Google Analytics uses a first party cookie to report, on an anonymous basis, website traffic data such as what device and browser users used to access the Site, where they are accessing the website from, how often they visit the Site, what pages they visit and in what order they visit them, and what other websites they visited prior to coming to the Site.
We use the website traffic data to help us understand who visits the Site and to make decisions about how to improve the Site, to assess the effectiveness of our ad campaigns on the Google Display Network, and to deliver targeted ads to users who have previously visisted the Site or to users similar to them.
Our use of Google Analytics on the Site includes Demographics and Interest Reporting and Display Network Impression Reporting (“Advertising Features”). As a result of our participation in these Advertising Features, Google Analytics uses a third party cookie to report certain website traffic data to Google.
We will not combine the website traffic data collected by Google Analytics with any personal information users have provided to us through the Site. However, we may use the website traffic data collected by Google Analytics in conjunction with other Google advertising services to deliver ads and gather reports on ad impressions.
You may opt-out of Google Analytics by installing the Google Analytics opt-out browser add-on.
Google AdWords is a marketing service provided by Google Inc. Google AdWords allows companies to display ads on third party websites (including Google) who are part of the Google Display Network.
We may use Google AdWords, in conjunction with the website traffic data collected by Google Analytics and the information reported by the Advertising Features, to deliver targeted ads to users who have previously visited the Site or to users similar to them.
You may limit the use of Google AdWords by using Google Ad Settings, or, in the alternative, opt-out from Google AdWords by visiting the Network Advertising Initiative consumer opt-out page, or installing the Google AdWords opt-out browser plugin.
ClickTale is a customer experience analytics service provided by ClickTale Ltd. ClickTale uses a first party cookie to report, on an anonymous basis, website use data such as a mouse clicks, mouse movements, and scrolling activity on the Site, and non-personally identifiable information text typed into forms in the Site.
We use the website use data to help us understand how visitors use the Site and to make decisions about how to improve the Site.
We will not combine the website use data collected by ClickTale with any personal information users have provided to us through the Site. Moreover, ClickTale will not create a user profile for the purpose of tracking users across unrelated third party websites.
Please note that ClickTale is not used on the pages of the Site relating to the Quebec region.
Obtaining an insurance quote and purchasing or modifying an insurance policy online
This Site offers a secure way of obtaining a car and home insurance quote and purchasing or modifying a car insurance policy online. To allow us to process your request or to issue your policy, you must declare all known facts which are likely to materially influence us in the setting of the premium, the appraisal of the risk or the decision to provide coverage. In addition, you must provide information concerning your mode of payment (credit card or preauthorised debits). The information provided to us must be correct; otherwise it is possible that you will be unable to obtain an insurance quote or to purchase or modify an insurance policy online. Additional information may be required by our certified insurance agents over the phone in order to process or review your request.
In the event where you provide personal information regarding a third party, you confirm that such third party has authorised you to disclose such personal information to us.
Please note that any quote or premium provided through the Site is not guaranteed and may be reviewed with you over the phone by one of our certified insurance agents.
Electronic or paper documents
When you purchase a car insurance policy online, we give you the option to electronically access most of your insurance documents. Or, you can still choose to receive a paper copy of these documents by mail. If you choose online access only, you understand that these electronic documents may be used as evidence and will have the same force of law as if you had received them by mail.
By choosing electronic documents only, you agree that the email address you provided is your last known address as defined in the Quebec Civil Code or equivalent legislation. You are responsible for notifying us, in a timely manner, of any email address change.
Your Client Centre
To access your Client Centre and to complete an insurance transaction online, you will need your email address and password to enter the Site.
Your insurance documents will be available online in your Client Centre. We recommend that you save copies of your documents to keep a history of your transactions. This will allow you to consult them as needed, because only the most recent version of your documents will be available in your Client Centre.
Certain information in your Client Centre is presented in summary form. Users must always refer to their insurance policy for a complete description of their selected coverage.
Copyrights and Trademarks
The Site is protected by the Copyright Act, by the copyright laws of other countries and by International Agreements on such matters, and its content cannot be altered without infringing on Belair Insurance Company Inc.'s and the author's rights and his/her moral rights.
The texts, illustrations, graphics and images displayed on the Site are and will remain at all times the property of Belair Insurance Company Inc. and/or the author(s), unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published, distributed, uploaded, broadcast or retransmitted, in whole or in part, as the case may be, without prior express permission from Belair Insurance Company Inc. and/or the author(s).
No content from the Site may be cited or transmitted to newsgroups, mail lists, or electronic bulletin boards, blogs, or incorporated into any other internet site nor may links be created to this Site without clearly indicating the source and address of the Site and without the prior written consent of Belair Insurance Company Inc.
Certain names, words, titles, expressions, phrases, logos, icons, graphics or designs or other content in the pages of the Site are, as the case may be, trade names or trademarks of Belair Insurance Company Inc. and its affiliated companies.
belairdirect and belairdirect.com are trademarks of Belair Insurance Company Inc. This list is not exhaustive and can be modified at any time and without notice.
Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site can constitute trademarks or trade names, registered or not, property of third parties and may be used under licence. The display of trademarks and trade names on pages at the Site does not imply that a license of any kind has been granted to anyone else. The users are not permitted to use these marks or names without express consent from Belair Insurance Company Inc. or from the third party proprietor of these marks or names. Any unauthorised downloading, re-transmission, or other copying or modification of trademarks, trade names or the content of the Site is strictly forbidden and may be a violation of any federal, provincial or other law that may apply to trademarks and/or copyrights and give rise to legal action.
We do not represent or warrant that the Site will be available or will function without interruption or that it will be free of errors. In addition, we do not represent or warrant that the use of the Site, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other disruptive components or that your use of the Site and its content will not infringe the intellectual property or other rights of any third party.
We completely disclaim all liability arising from the use of the information contained on this Site by you or any user. Further, and without limiting the generality of the foregoing, in no event shall we be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising from the use of the site, its interruption or any error, omission or inaccuracy in any way connected with its content.
Links to other sites
Links from or to Internet sites outside this Site are meant for your convenience only. The owners of the outside sites manage their content which are not reviewed, nor approved by us. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites.
You access these sites at your own risk. We cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the Site or of other sites connected to the Site by hyperlink.