You could save up to $500* on your car insurance in Ontario
It pays to switch your car insurance to belairdirect!
Getting a car insurance quote in Ontario
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!
Standard auto insurance for Ontario that gives you peace of mind
When you get a quote for car insurance in Ontario from belairdirect, you get coverage that ensures all provincial requirements are met and fit your lifestyle.
Standard car insurance in Ontario includes:
Liability Coverage Bodily Injury and Property Damage)
Step one for getting car insurance in Ontario is getting Liability Coverage. This coverage will protect you if you're responsible for injuring someone or damaging someone else's property.
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.
Direct compensation – property damage
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.
Uninsured 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.
Optional car insurance coverages for Ontario drivers
Extend your coverage with these optional car insurance coverages for Ontario.
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 in Ontario:
- 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.
- Protection of your good driving record and your premium for as long as you're with belairdirect
- 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
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
- 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.
- 1 844 429.20201 844 429.2020
Collision 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.
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.
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.
*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.
What to expect
when driving in Ontario
Busiest freeway in Canada
The 401 is not only the busiest freeway in Canada, but in North America! Over 500,000 vehicles pass through its busiest sections every day!
Safest roads
Ottawa has some of the safest roads in Canada, despite an increasing number of drivers each year. You can thank government initiatives and NGOs who have helped reduce the number of deaths and serious injuries on the road by 50% over the last 30 years.
Capital for auto insurance fraud
According to the Globe & Mail, Toronto and the GTA are the capital for auto insurance fraud. A recent investigation suggested that close to half of total repair expenses billed to insurance companies through body shops were exaggerated or completely fabricated. That adds up to hundreds of millions of dollars each year.
Adopt-a-Road program
Oakville has an Adopt-a-Road program that encourages residents to pick up litter alongside the road and keep it clean.
Georgian Bay Coastal Route
If you want to discover Northern Ontario's lakes, forests and natural scenery, take the Georgian Bay Coastal Route. You'll find over 2,000km of shoreline to discover.
Drive in Ontario
In order to drive in Ontario, you must be at least 16 years of age in order to get your learner's permit (G1) and have 12 months experience on the road to obtain your probationary license (G2). Once you have 1 year's experience, you can apply for your full licence (G).
New Drivers in Ontario
So you got your driver's license? 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 yourself. Due to your lack of driving experience, your rates may be higher than an experienced driver. Statistically speaking, young people between the ages of 20 to 24 are more often involved in accidents resulting in injuries or fatalities.
When possible, consider applying as a secondary driver under a parent's insurance policy. This allows you to pay a much smaller premium while allowing you to build up your auto insurance history.
5 things you need to know when choosing car insurance coverage in Ontario
1 - Which type of auto insurance is mandatory in Ontario?
Just like the rest of Canada, car insurance is mandatory in order to be able to drive in the province of Ontario. This ensures that all parties are covered in the event of an incident that causes property damage or personal injury. In Ontario, the minimum liability coverage you'll require for auto insurance must cover third party liability, accident benefits coverage, uninsured automobile coverage and direct compensation-property damage coverage.
The car insurance policy limits required by law in Ontario include:
Third party Liability:
$200,000 coverage
Accident Benefits Coverage:
$65,000 for Non-catastrophic injuries (such as broken bones or whiplash).
$1,000,000 for Catastrophic injuries (loss of limbs, spinal cord injuries, etc.).
$250 per week for the first dependant along with an additional $50 per week for each additional dependant.
$100 per week for housekeeping and home maintenance expenses in the event of catastrophic injuries
Uninsured Automobile Coverage:
Any damage, injury or death that occurs from an accident involving an uninsured driver or a hit-and-run.
Direct Compensation - Property Damage Coverage:
This will cover any damage to your car and its contents in the event of an accident that was not your fault.
The minimum amount of coverage required in Ontario is $200,000. This would cover any property damage, injury or death caused by an accident you are found to be responsible for. The minimum amount of coverage doesn't include all eventualities so to ensure you get the coverage you specifically need, consult with one of our agents.
2 - What is no fault car insurance in Ontario?
No fault insurance is the system used to handle claims in Ontario. It simply means that, regardless of which party is found at fault for an accident, they will each deal with their own respective insurance company to handle their claims. You won't have to deal with the other person's insurance company at all. This system makes it easier to address claims while saving time and money.
3 - Do you have to have insurance to drive somebody else's car?
This depends on the circumstances surrounding the vehicle in question.When in doubt, check the policy in effect on the vehicle. If the vehicle is properly insured and you are only using to vehicle for a specific instance (like someone asking you to drive their car back from the airport), then there should not be a problem. Insurance is applied to a vehicle, not a driver, and as such can extend to multiple drivers. If you borrow the vehicle on a regular basis, you'll need to apply for insurance on the vehicle's policy as a secondary driver. If you're unsure, always refer to the driver's policy. And always remember that driving an uninsured vehicle is against the law, no matter who is behind the wheel.
4 - How do I add a driver to my current auto insurance policy?
In the event that you wish to add a secondary driver to your policy so they can drive your car, you'll need to contact your insurance agent. Several criteria may affect how much the new driver will have to pay such as age, marital status, how long they’ve had their license and their driving experience. Having one of your children as a secondary driver is an excellent way to bring down their premiums while building a their insurance history.
5 - Do you have to pay your deductible if the accident was not your fault in Ontario?
In Ontario, if you're involved in an accident where you are proven not to have been at fault, you will not have to pay for the deductible on your car insurance. Any repairs will be covered through the Direct Compensation section of your policy, which is part of the mandatory coverage required in Ontario. However, if you’ve chosen to add a deductible to Direct Compensation – Property Damage, you will have to pay the deductible even when found not to have been at fault. If the accident was a hit-and-run and you were not able to identify who hit you, you'll have to pay out of pocket if you don't have collision coverage in your policy. Should you be able to identify the person who hit you, you may be covered through Direct Compensation. However, the person who hit you will need to have insurance for this coverage to apply.
Ready to compare your current premium or get a new car insurance quote for Ontario?
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