automerit® - a program that rewards your low mileage and safe driving. an innovative way to do optional car insurance in BC.

Drive down the price of your car insurance with automerit

When innovation meets simplicity

With the automerit program, your driving behaviour gives you more control over what you pay for your car insurance. It's simple: the safer you drive, the more you could save. And if you drive a little, you could save even more!

With automerit, you can be in control of how much you pay for your car insurance. It’s simple: the safer you drive, the more you could save.

With belairdirect, your optional car insurance coverage requires the use of automerit, to provide you with a personalized price based on your driving behaviour. It's simple: the safer your drive, the more you could save! There are still other pricing factors, and your cost may increase with high-risk driving. But, you are in control over what you pay for your car insurance, and 3 out of 4 drivers earn a discount.

To get insurance with belairdirect, you must have a data-connected iPhone running iOS 10 or higher, or an Android device running version 5.1 or higher.

  • Get a 5% enrolment discount just for signing up
  • Save up to 15% 25% by driving safely
  • Unlock up to a 15% discount for driving less than 10,000 km/year
Already a customer? For any questions, call us at
You could save up to
safe driving
low km

Be in control with automerit

Get the discount you deserve every 6 months based on the driving choices you make.

Your premium will be updated every 6 months based on your driving behaviour, to make sure you're getting the best price you deserve.


See View your stats in real time on your personalized dashboard.

Trip details

Get the description of each of your driving events and risks.

Trip Log

Stay in control of your savings as only the trips where you were the driver will count towards your score.

Safety Score & Tips

Take a closer look at how safe you're driving.

What counts in your Safety Score

Your Safety Score provides you with an at-a-glance summary of how safe you're driving. It displays a score based on the following five risks. It's an easy-to-understand snapshot as several factors are used to calculate your automerit discount. adjust your premium.


Distracted driving

Using your smartphone while driving, even if it's hands-free, puts you at risk. Keep your eyes on the road, not on your phone.

Hard Braking

Hard Braking

Brake sooner, rather than later. Keep a 3-second distance from the car in front of you to avoid sudden, hard braking.

Rapid Acceleration

Rapid Acceleration

Plan ahead and leave early so you can have enough travel time to safely avoid rapid accelerations.

Risky Hours

Risky Hours

If possible, stay off the road between 2 a.m. and 5 a.m. Driving after dark can be challenging for even the most experienced drivers.



Maintaining a steady speed will not only save you money on gas but also reduce your carbon footprint.

There are still other pricing factors that could affect your car insurance but 3 out of 4 drivers enrolled in the automerit program earn a discount. Learn more.

Other pricing factors can affect the cost of your car insurance and high-risk driving could result in a surcharge of up to 15%. Check your dashboard in your app to see your progress and maximize your savings. In fact, 3 out of 4 drivers earn a discount. Learn more

Easy to use

To join the automerit program, contact us. Once you've subscribed, simply download the belairdirect app on your smartphone, accept the Terms of Use and give the app access to certain features on your smartphone - you're ready to start driving and saving on your car insurance.

Download the belairdirect app on your smartphone, improve your Safety Score, and save. Be mindful of speeding, hard braking, rapid accelerations, risky hours and distracted driving to become a safer, smarter driver.

When it comes to savings, you're in the driver's seat.

Up to


For safe driving


Up to


for low KM

Up to


For safe driving

Already have car insurance with us? Call us at Call us at .

FAQs & Terms of Use
Support for customers who joined automerit before August 12, 2018

Still have questions

Browse our FAQ section or consult our Terms of use.

If you enrolled in the program prior to August 12, 2018, please consult these Terms of use of the old program and FAQs/a> for full program details.

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