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Car Insurance

Switch to belairdirect and you could save 20%* belairdirect auto insurance is available in Alberta, Prince Edward Island, New Brunswick, Nova Scotia, Ontario, Quebec, and Newfoundland. Get a 10% enrolment discount on your car insurance with automerit Save up to 25% on your car insurance for safe driving

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automerit®: the newest feature of our mobile app that rewards safe driving

With belairdirect, your optional car insurance requires the use of the automerit program. Monitor your driving in real time, track your progress and you could be rewarded. Innovation meets simplicity.

With belairdirect, getting the right amount of coverage for your car is easier than you think. If you're looking for car insurance, you've come to the right place.

Here, when you start with a free online car insurance quote, you end up with valuable peace of mind.

automerit: be in control of how much you pay for your car insurance automerit: a program that rewards your safe driving Be in Control

It’s simple: the safer you drive, the more you could save.

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.

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.

Accident Benefits

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.

To view the standard Ontario Automobile Policy (O.A.P.1), please click here.

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

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:

Medical and Rehabilitation Benefits Payments

Coverage for expenses for treatment and rehabilitation after injury that are not covered by the provincial health plan, including assessment costs (e.g., physiotherapy, dental expenses, professional nursing, etc.)(e.g., prescription medications, physiotherapy, counseling, wheelchair)(e.g., prescription medications, physiotherapy, nursing services, occupational retraining).

Limits required by law
$50,000$25,000 per person;
time limit is 4 years.

maximum $750 for chiropractic care,
$250 for massage therapy,
$250 for acupuncture.

Death Benefits

A one-time payment to the surviving spouse and/or dependants if an insured person dies as a result of a car accident.

Limits required by law
$50,000$25,000$10,000 for the death of the head of the household,
plus $1,000 to each dependent survivor after first;
$25,000$10,000 for the death of a spouse/partner;
$5,000$2,000 for the death of a dependant.
$10,000 for the loss of the head of the household or a spouse/partner,
Up to $3,000 for the loss of a dependent relative depending on age;
Plus survivor spouse/partner or dependent relative gets $15,000 for the first survivor and $4,000 for each remaining survivor.

Grief Counseling

Reimbursement for grief counseling services if an insured person dies as a result of a car accident.

Limits required by law
Up to $400 per family after death of any one person.

Funeral Expenses Benefits

Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law
$5,000 per person.
$2,500.
$1,000.

Total Disability Income Benefit

Reimbursement for lost earnings if an insured person suffers an injury and is unable to work for the period of the disability.

Limits required by law
Employed: 80% of gross pay up to $400 per week for up to 104 weeks.
Unemployed person 18 years or older: $135 per week from up to 26 weeks.

Loss of Income

Compensation for lost income if the insured person is unable to work.

Limits required by law
80% of gross income up to $250$140 per week.
Time limits: 104 weeks for partial disability, lifetime for total disability.
Unemployed principal housekeeper: up to $100$70 per week for up to 5212 weeks.

Optional Car Insurance Coverage Offered in British Columbia

Accident Forgiveness*

Protect your good driving record at belairdirect and keep your premium from going up as a direct result of your first at-fault accident. These are just two ways you’re covered with Accident Forgiveness coverage.

When you've got Accident Forgiveness, you can rest assured that your good driving record and your premium are protected for as long as you are with belairdirect. Your good driving record should be rewarded, and that's exactly what happens.

  • Here’s what Accident Forgiveness offers
    • Protection of your good driving record and your premium for as long as you're with belairdirect
      • We trust that you want to be a good driver and will do what it takes to be one. That’s why you’re forgiven for your first at-fault accident. By forgiven, we mean you won’t face an increase in your premium when it comes time for renewal because of your first at-fault accident.
  • Accident Forgiveness Coverage Conditions
    • Accident Forgiveness endorsement must be present on the policy
    • You need to be claims-free for the previous seven years before an at-fault accident occurs
    • Accident Forgiveness endorsement applies to the vehicle that corresponds with it and cannot be transferred onto any other vehicle on the policy
    • Accident Forgiveness only protects the principal driver of the vehicle listed on the policy.
    • If there's an at-fault loss while Accident Forgiveness endorsement is valid, you must maintain this coverage to remain eligible for the driving record
    • Accident Forgiveness does not apply if you are convicted of a criminal code offence or of a serious or major conviction
    • The accident-rating waiver provided by Accident Forgiveness is not binding on any other insurer that provides car insurance to the owner of the car or the driver who was found to be at fault for the accident
    • Accident Forgiveness coverage does not apply if there is violation of any Statutory Conditions or a policy condition within the context of the accident

Protect your good driving record at belairdirect and keep your insurance premium from going up as a direct result of your first two at-fault accidents.

Extended coverage means extended peace of mind. That’s what you get with Accident Forgiveness coverage.

We trust that you want to be a good driver and will do what it takes to be one. When you've got Accident Forgiveness, you can rest assured that your good driving record and your insurance premium are protected for as long as you are with belairdirect. That means, at renewal time, you won't face an increase in your car insurance premium as a result of up to two at-fault accidents*.

Protect your good driving record at belairdirect and keep your premium from going up as a direct result of your first two at-fault accidents. When you've got Accident Forgiveness, you can rest assured that your good driving record and your premium are protected for as long as you are with belairdirect. Your good driving record should be rewarded, and that's exactly what happens.

  • In order to benefit from this protection, the Accident Rating Waiver Endorsement must be present on the policy before an at-fault accident occurs.
  • The addition of any driver who drops your driving record below DR7 will invalidate your eligibility for the Accident Forgiveness Endorsement.
  • The Accident Rating Waiver Endorsement must be purchased every year, as coverage is valid for one term only. Should there be an at-fault loss while the Accident Rating Waiver Endorsement is in-force; the endorsement must be renewed each year to remain eligible for the driving record protection.
  • The Accident Rating Waiver Endorsement does not apply if you are convicted of a criminal code offence, serious or major conviction. The presence of any major conviction will invalidate eligibility for the Accident Rating Waiver Endorsement.
  • The accident rating waiver provided by this endorsement is not binding on any other insurer that provides automobile insurance to the owner of the automobile or the driver who was determined to be at fault for the accident.
  • The Accident Rating Waiver Endorsement does not apply if there has been a violation of any Statutory Conditions or a policy condition in relation to the accident.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.
*Accident Forgiveness is available through Responsible Driver Guarantee.
*Accident Forgiveness is available through Responsible Driver GuaranteeResponsible Driver Guarantee

belairdirect roadside assistance®

Drive with peace of mind with belairdirect roadside assistance. In case of trouble on the road, you can get the support you need!

  • $45 per year
  • $44 per year
  • $50 per year
  • Four service requests per year
  • Services available:
    • Towing (within 50km)
    • Wheel change
    • Door unlocking
    • Gas delivery
    • Winching (cars only)
    • Battery boost
  • 24/7 assistance

Excess 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.

Optional Coverage Limits
$800K, $1.8M and $2.8M.

Collision and or Upset Insurance Coverage®

If your car gets damaged because you've collided with something (like a light post, guardrail, or other car), the cost of repairs can really add up. Collision and upset Coverage could cover the cost of those repairs, so you don’t have to pay for those repairs out of your own pocket. You may only need to pay the deductible.

*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.

Coverage against damage to the insured car when the insured person is partially or completely at fault, including collisions with other cars or objects, single-vehicle accidents and rollovers. Also, coverage when the insured vehicle is damaged by a hit-and-run driver or an uninsured driver.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

Limits required by law
You can choose a higher deductible to help lower your premium or a lower deductible.

Autocomfort®

For a few extra dollars, you could gain more peace of mind. Autocomfort gives you a wide range of coverage options to expand your protection in case of an accident.

A few little extras can add up to peace of mind. For a few extra dollars, you can expand your protection to include:

  • Rental of temporary replacement vehicle following an insured loss
  • $60, 000 coverage for damages you may cause to a rented or borrowed vehicle anywhere in Canada and the U.S.
  • No deductible when you’re the victim of a hit and run
  • No deductible in the event of a total loss

Please note: you’ll need to have both Collision and upset coverage and Comprehensive coverage or Specific Perils to be eligible for our Autocomfort coverage.

Autocomfort® is a registered trademark of Belair Insurance Company Inc.

Autocomfort coverage adds the following benefits to your standard car insurance policy:

  • Replacement rental vehicle in the event of an insured loss (maximum amount of $3,000 per event).
  • $55,000 coverage for damage you may cause to a rented vehicle anywhere in Canada and United States.

In order to add Autocomfort coverage to your policy, you must have coverage for Collision or upset and Comprehensive

Comprehensive Insurance Coverage*

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got Comprehensive Coverage.

Coverage against damage to your auto caused by fire, theft, vandalism, and other risks.

*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.

All Perils other than collision or upset Insurance Coverage

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got All perils other than collision or upset Coverage.

Coverage against all perils, unless excluded, which combines the benefits of collision and comprehensive coverage.

Optional Coverage Limits You can choose a higher deductible to help lower your premium or a lower deductible.

Increased Civil Liability Coverage

If you want to increase your Liability Coverage above the bare minimum necessary for driving in Quebec, consider increasing it to $2,000,000. This will give you added protection if you’re responsible for damaging someone else’s property.

Replacement Cost Coverage

Replacement Cost coverage is ideal if you've just bought a new car. If your car is stolen or damaged beyond repair, you'll get a new, identical car that reflects the original value of your car, not its depreciated value.

Specified Perils

Coverage for damage caused by perils listed in the policy, including fire, theft, hail and others.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

This is an overview of some of the benefits for which you may be eligible for and is for informational purposes only. Some conditions and restrictions may apply. Please refer to your auto insurance policy, contact us for full details of the coverage.

Deductibles

The deductible is a specific sum deducted from a loss that you need to assume. This is figured out when you purchase your coverage. With belairdirect, deductibles apply to Collision and Comprehensive claims. There are no deductibles for liability claims. You may select your own deductible for you Collision and Comprehensive coverage. Generally, selecting a higher deductible could help to lower your premium. belairdirect continues to offer low deductibles, with Collision deductibles starting at $300 CAD, and Comprehensive deductibles as low as $200 CAD.

Ready to compare your current premium or get new car insurance coverage?

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