You could save up to $350* on your car insurance in Alberta
It pays to switch your car insurance to belairdirect!
Getting a car insurance quote in Alberta has never been easier
Call us today or apply online to get a quote and see how much you could save with belairdirect. It's quick, it's simple and it's absolutely free!
Get the mandatory car insurance coverages you need for Alberta with peace of mind
When you get a quote for car insurance in Alberta from belairdirect, you get coverage that ensures all provincial requirements are met and fit your lifestyle.
Standard car insurance in Alberta includes:
Third Party Liability coverage
This coverage 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.
The limits required by law are as follows:
- Minimum coverage required by law: $200,000
- Optional Coverage Limits: $1,000,000 or $2,000,000.
Please note that lower limits are available.
Uninsured automobile coverage
Compensation if an insured person is injured or killed by an uninsured motorist or a hit-and-run driver.
Minimum coverage required by law:
Included in the standard policy.
Direct Compensation for Property Damage (DCPD)
If you are not at-fault for a collision your own insurance company will directly compensate you for damages to your vehicle and its contents.
You also get accident benefits designed for Alberta's roads
There are several benefits included in your car insurance coverage that provide you with true no-fault coverage in Alberta, regardless of who is at fault in an accident.
The accident benefits included with your car insurance coverage are as follows:
Medical payments - Limits required by law
Coverage for treatment and rehabilitation expenses after injury that are not covered by Alberta’s provincial health plan, including assessment costs (e.g., physiotherapy, dental expenses, professional nursing, etc.).
Limits required by law
$50,000 per person;
maximum $1,000 for chiropractic care,
$350 for massage therapy,
$350 for acupuncture.
Grief counseling - Limits required by law
Reimbursement for grief counseling services if an insured person dies as a result of a car accident.
Limits required by law:
Up to $500 per family after death of any one person.
Death benefits
A one-time payment to the surviving spouse and/or dependants.
Limits required by law:
- $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.
- A survivor spouse/partner or dependent relative would also receive $15,000 for the first survivor and $4,000 for each remaining survivor.
Funeral benefits - Limits required by law:
Funeral expenses if death of the insured person is caused by an automobile accident.
Limits required by law:
$6,150 per person.
Total disability income benefit - Limits required by law
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 $600 per week for up to 104 weeks.
Unemployed person 18 years or older: $200 per week for up to 26 weeks.
Optional car insurance coverages for Alberta drivers
Extend your coverage with these optional car insurance coverages for Alberta.
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. 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.
Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.
Comprehensive coverage
Coverage against damage to your auto caused by fire, theft, vandalism, and other risks.
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!
- $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
- Download the belairdirect app to request roadside assistance in just a few clicks.
- 1 844 429.2020
Collision coverage or Upset coverage
Optional Coverage Limits
You can choose a higher deductible to help lower your auto insurance premium or a lower deductible.
All Perils 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.
Specified Perils coverage
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.
Ready to compare your current premium or get new car insurance coverage?
What to expect
when driving in Alberta...
The Trans-Canada Highway
The Trans-Canada Highway will take you from Saskatchewan and allows you to see Banff, Medicine Hat, or connect to Route 22 and head north.
40 percent of trial time
Impaired driving prosecutions take up to 40 percent of trial time in Alberta's provincial court system. The provincial government has even taken steps to decriminalize impaired driving so that officers can simply suspend licenses and avoid clogging the court systems with so many cases.
The anti-icer
In 2017, the city of Edmonton began a pilot project where a calcium chloride solution was spread on roads before a snowfall. The anti-icer prevented the snow from sticking to the pavement and helped them stay cleaner for longer with less plowing and sanding.
Highway 63
Highway 63, which passes through Fort McMurray, carries more trucks with heavyweight loads than any other road of its size in Canada.
Impaired Driving Convictions
According to MADD, it is estimated that 8,600 people are convicted of impaired driving charges each year.
Drive in Alberta
In order to drive in Alberta, you must be at least 14 years of age to obtain your learner's permit (Class 7) which allows you to drive with a non-probationary driver over the age of 18. Once you have 1 year's experience, you can apply for the Probationary Driver's Licence (Class 5) after turning 16 years old
New drivers in Alberta
So you got your driver's licence? Congratulations. Learning to drive is a big milestone in any young person’s life.
Being a new driver means you'll need insurance coverage to protect both yourself and those around you. Due to your lack of driving experience, your rates may be higher than a driver with more experience on the road. Statistically speaking, younger drivers between the ages of 20 to 24 are more often involved in accidents resulting in injury or death.
If you occasionally use your parent or guardian's car, consider applying as a secondary driver under their insurance policy. This will allow you to pay a smaller premium while allowing you to build up your driving record over time. However, if you use the vehicle regularly or even more than your parents, you will have to register as a primary driver.
Consult with your agent to see what the best solution for you is regarding coverage. to pay a smaller premium and let you to build up your driving record. However, if you use the car frequently you may need to apply as a primary driver on the vehicle's policy. Talk to your agent to find a coverage option that best fits your needs.
4 things you need to know when choosing car insurance coverage in Alberta...
1 - Which type of auto insurance is mandatory in Alberta?
Just like every other Canadian province, car insurance is mandatory in order to be able to drive in Alberta. An insurance policy ensures that all parties are covered in the event of an incident that causes property damage or personal injury. In Alberta, the minimum liability coverage you'll require for auto insurance must cover third party liability coverage, accident benefits coverage and property damage coverage (PLPD).
Car Insurance Policy:
Limits Required by Law
Third party Liability:
$200,000 coverage
Accident Benefits Coverage:
In Alberta, this coverage is considered "non-fault" and is paid, regardless of who is found at-fault for an accident. This is standard for all policies in Alberta.
Any injury or death that occurs from an accident involving an uninsured driver or a hit-and-run. This coverages usually matches the third party liability coverage. So if you have $200,000 of coverage, you will have $200,000 worth of uninsured automobile coverage.
The minimum amount of coverage required in Alberta is $200,000. This covers any property damage, injury or death caused by an accident that you could be liable for. The minimum amount of coverage doesn't include all eventualities so to ensure you get the coverage for your specific situation, consult with one of our agents.
2 - What is PLPD insurance coverage in Alberta?
PLPD stands for Personal liability and property damage coverage. This covers the damage you may cause with your vehicle in the event of an accident. The minimum requirement for coverage in Alberta is $200,000. Most drivers increase their PLPD coverage limits for additional protection as a precaution.
3 - Do you have to have insurance to drive somebodye else'se car in Alberta?
When in doubt, check the insurance policy for that vehicle. Insurance is applied to a vehicle, not a driver, and as such can extend to multiple drivers. If you borrow someone's vehicle regularly, you'll need to apply for insurance on the vehicle's policy as a secondary driver. If you're still unsure, refer to the driver's policy everytime. An important note: Remember that driving an uninsured vehicle is against the law, no matter who is behind the wheel.
4 - What is the All-Comers Rule in Alberta?
In 2004, the Insurance Act instituted an important clause that stipulated no one in Alberta can be denied car insurance. Of course, there are certain circumstances that can bar you from being eligible for basic coverage such as not paying for the policy, having an outstanding balance with your insurance company, criminal code convictions, engaging in illegal activities or lying to your insurance company.