Switch to belairdirect and you could save 20%* Save up to 25% on your car insurance by driving safely Save up to 15% on your car insurance for low mileage and up to 15% for safe driving
automerit: a program that rewards your low mileage and safe driving Be in Control
When it comes to saving on car insurance, you're in the driver's seat. It's simple: the safer you drive, the more you could save. And if you drive less than 10,000km/year, you could save even more!
belairdirect is introducing a new kind of insurance made to reward your safe driving behaviour. Every time you drive safely is an opportunity to save up to 25%
Every 6 months, your car insurance price will be updated based on your safe driving behaviour, to make sure you are getting the best price you deserve. There are still other pricing factors, and your price 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.For full program details here Learn more about automerit
Standard Mandatory Car Insurance Coverages in New Brunswick Nova Scotia Prince Edward Island
Civil Liability Coverage (Bodily Injury and Property Damage)
Step one for getting car insurance in Quebec is getting Civil Liability Coverage. This coverage will protect you if you're responsible for injuring someone or damaging someone else's property.
It may also cover damage to your car if you're in an accident for which you're not at-fault. For example, if you accidentally hit a light post with your car or you accidentally injure someone while you're driving.
If you’ve been injured in a car accident, you may be entitled to certain financial benefits that will assist you while you’re recovering. Statutory Accident Benefits Schedule (or SABS) is the provincial regulation of benefits, standardized among insurance companies. Statutory Accident Benefits provide compensation, regardless of fault, if you, your passengers or pedestrians suffer injury in an automobile accident.
Third Party Liability
Protects against claims for damage to property or injury caused in a car accident, including court defense and investigation fees and legal fees assessed against you by the courts.
Limits required by law
Minimum coverage required by law: $200,000$500,000.
Optional Coverage Limits
$1,000,000 or $2,000,000. Lower limits are available.
Direct Compensation – Property Damage (DCPD)
If you’re ever in an accident that’s not your fault, Direct Compensation Property Damage (DCPD) may cover the damage to your car and everything in it. Let’s say you get into a collision and it’s the other driver’s fault. Your car gets damaged so you make a claim to your insurer. It’s your insurer who pays for the damages. There’s no lawsuit between the drivers in this situation. If the other driver is only 50% at-fault, DCPD will only cover 50% of the damage to the car, the things in it, and the loss of use.
Allows you to collect directly from your own insurer for damages to your car when someone else is responsible for the accident.
Allows you to be compensated directly by your own insurer for damages to your car when someone else is responsible for the accident
Limits required by law
Included in the standard policy with a $0 deductible.
Optional Coverage Limits
Choice of a $0, $300 and $500 deductible.
Uninsured Automobile Motorist Coverage
If you’re injured in an accident, your Uninsured Automobile Coverage protects you for two scenarios. The first is if you’re in an accident with a driver who doesn’t have insurance, and the second is if you can’t identify the vehicle; for example, if you’re a victim of a hit and run.
Compensation if an insured person is injured or killed by an uninsured motorist or a hit-and-run driver, and for damage to the vehicle and its contents caused by the owner or driver of an uninsured automobile.
Limits required by law
Minimum coverage required by law:Included in the standard policy.
Accident Benefits are the true no-fault coverage which means that you are eligible, regardless of who is at fault in the accident. There are several benefits included in this car insurance coverage:
Optional Car Insurance Coverage Offered in British Columbia
Additional Car Insurance Coverages available in British Columbia
There are various additional coverages available in British Columbia from belairdirect. You may want to purchase these coverages at such time as you obtain your optional Excess Third Party Liability, Collision, and Comprehensive coverages through belairdirect.
Autocomfort. It includes Loss of Use coverage ($), Travel Protection coverage, and Rental Automobile coverage. In order to add Autocomfort coverage to your policy, you must have coverage for Collision or Upset and Comprehensive.
Loss of Use
This coverage provides you with access to temporary transportation when your automobile is damaged, stolen or otherwise unavailable to you due to an insured loss. If your vehicle is stolen or rendered inoperable by loss or damage caused by a covered Collision or Comprehensive loss, we pay reasonable expenses incurred by you for the rental of a similar substitute vehicle or for public transportation subject to the limits of the policy. Coverage comes into effect from the time of loss or damage. If your automobile is stolen, this coverage comes into effect when the theft is reported to belairdirect.
The coverage ends on the date:
- your automobile is repaired or replaced,
- we offer you a payment to settle the claim, or
- your total limit is reached, whichever happens first.
There are two options available: Depending on the level of coverage you have chosen, belairdirect pays up to a maximum $750 CAD or $1000 CAD per occurrence.
Note: Selecting a higher limit (where available) will help extend the available length of your rental. Drivers of Trucks/Vans/SUVs should be aware that the rental rates for these types of vehicles are significantly higher than a typical passenger vehicle; therefore you may want to select a higher limit.
This coverage is part of the Autocomfort package.
This coverage provides insurance coverage for you when you rent an automobile for use in Canada or the United States. Rental Automobile coverage allows you to rent a vehicle when you are on vacation or a business trip without having to buy physical damage insurance from the rental agency. There is a limit of $75,000 CAD on the rental vehicle.
In addition, we provide Loss of Use coverage on the rental vehicle up to $50 CAD a day up to $500 CAD per occurrence.
This coverage pays for unexpected expenses due to an accident or theft of your automobile while on a trip away from home.
If you are on a trip away from home with the automobile described on your Summary and it is stolen or rendered inoperable by a loss or damage of the type covered under your insurance through belairdirect, we reimburse you for the following reasonable expenses that arise up to specified limits for the following:
- Additional Living Expenses.
- Replacement Rental Vehicle.
- Personal Return Home Expenses.
- Vehicle Return Home Expenses.
Extended Sound or Communication Equipment
This option covers permanently attached and shuttle-mounted sound and electronic communication equipment installed in the vehicle that was not supplied or available from the vehicle manufacturer. This coverage is ideal for clients who have permanently installed aftermarket sound or communication equipment with a total value in excess of the $1000 CAD aggregate amount covered through belairdirect. To be eligible for this coverage you must carry Comprehensive coverage and the vehicle must be equipped with a belairdirect approved security device. Receipts for the equipment are required to purchase this coverage. Please note that coverage for radar detectors is not available.
Excess Underinsured Motorist Protection (UMP)
Underinsured Motorist Protection covers you and the members of your household in the event of an accident where the at-fault motorist carries a limit on his or her liability coverage that is lower than the amount of damages to which you or the member of your household is entitled. Underinsured motorist protection of $1M is a component of the government mandated coverage.
Limited Windshield Coverage
By limiting the windshield and window coverage otherwise available to you, your Comprehensive premiums will be reduced. Note that if you choose this option, you will not be covered for certain types of damage, such as damage caused by flying or falling objects that may hit your windshield or windows.
belairdirect roadside assistance®
Sign up for belairdirect roadside assistance service and enjoy greater peace of mind behind the wheel! belairdirect’s new roadside assistance option gives you access to a number of services that you can depend on when the need arises.
- $50 per year
- Four service calls per year
- Services available:
- Towing (within 50km)
- Wheel change
- Door unlocking
- Gas delivery
- Winching (cars only)
- Battery boost
- 24/7 assistance
- 1 844 429.20201 844 429.2020