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Frequently Asked Questions

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Top Questions

What's the difference between one-way and two-way insurance?

Usually, one-way means you're only insured with basic coverage, meaning you only have Civil Liability. This covers any bodily or material damage you cause to others. When you have two-way insurance, this usually means that your car is covered as well as the damage you cause to others.

What's the difference between $1,000,000 and $2,000,000 liability?

The choice is really up to you. The $2,000,000 option is mainly used by people who often travel outside the province or in the USA, where the insurance laws are not always the same. With $ 2,000,000, you would be better protected in case you get sued after an accident.

Are my personal belongings inside my car covered in case of a theft?

Your belongings are covered under your home insurance policy. So if you make a claim only for your belongings, it will be listed on your home insurance. If you make a claim for both your car and your belongings and you're insured with belairdirect for both lines of insurance, you only pay one deductible (the higher one).

When am I covered for hit and run?

To be covered for hit and run, you need to have Collision and upset Coverage. Keep in mind that for an event to be considered a hit and run, a police report must be filed within 24 hours. However, if you’re not covered, you can request compensation from SAAQ. Please keep in mind that this doesn’t replace coverage offered by insurance companies.

Can I use my car outside of the province?

Yes, in Canada and the U.S. But if you're planning to use it for a trip that's three weeks or longer, you'll need to contact us so we can have a look at your situation and see if you have the best coverage for you

If my car is in storage, should I still need insurance?

Yes. You're still the owner of this vehicle and are still responsible for it, even if it's in storage. Any damage that happens to your vehicle during that time wouldn't be covered if you don't have insurance.

Who else can drive my car?

Everybody that's listed as a driver on your vehicle or policy. Someone who already has insurance as a primary driver on another vehicle can drive your car as well. If someone is not insured anywhere and drives your vehicle, you should tell your insurance company so that person can be mentioned (and covered) on your policy.

As my car gets older, why doesn't my car insurance premium go down?

There are several factors we take into consideration when we calculate your car insurance premium. The two main factors are the cost of parts (which don't always decrease, like the value of the vehicle), and the cost of the repairs (we need to pay the mechanics who repair your vehicle). We also take the type of vehicle into consideration (if it had a high rate of claims for vehicle damage over the past year).

My son/daughter has a learner's permit; do I have to add him/her on my policy?

Yes. If you ever need to file a claim, damages won't be covered if your son/daughter isn't mentioned on the policy. It's important to insure any new driver, even if they don't drive often and only have a learner's permit.

How do you calculate my car insurance premium?

When we calculate your premium, we look at a lot of things, including:

  • Your age and driving experience
  • Whether your vehicle is for business, commuting or leisure
  • The year, make, model and type of vehicle
  • Claims you've made in the past
  • The driving history of any other people who will be behind the wheel

Everyone's situation is different, so everyone's premium will be too. It's important to get the right amount of coverage for your unique situation so you're not overpaying or underinsured.

How can I get a discount on my car insurance?

Every insurance company is different, but most will offer you ways to save on your insurance premium. When you're insured with belairdirect, you've got many ways to save:

  • Insuring your car and home together
  • Insuring more than one car on the same policy
  • Increasing your deductible
  • Being a good driver
  • Taking steps to decrease your risk

Do I need to have car insurance?

Yes. If you own a car, you must have a minimum amount of insurance. It's the law.

How much insurance do I need to have by law?

If you want to drive a car, there's a minimum amount of insurance you need to have. This minimum amount of insurance you must purchase through ICBC. Their mandatory basic Autoplan insurance includes $200,000 Third Party Liability, Autoplan Accident Benefits and Underinsured Motorist Protection.

If you want to drive a car, there's a minimum amount of insurance you need to have. This minimum amount of insurance is outlined in our standard coverage chart. You'll also see options for increasing the amount of coverage you have or buying more coverage.

If you want to drive a car, there's a minimum amount of insurance you need to have. This minimum amount of insurance is outlined in our standard coverage chart. You'll also see options for increasing the amount of coverage you have or buying more coverage.

If you want to drive a car in Quebec, there's a minimum civil liability insurance you need to have. This minimum is $50,000 in Civil Liability, however, if you finance or lease your car, the financing company usually asks you to get complete coverage. This includes Liability, Collision and upset and All perils other than collision or upset. Have a look at our easy-to-read coverage chart that outlines these sections and minimum coverage. You'll also see options for increasing the amount of coverage you have.

Does the kind of car I drive affect my premium?

Yes, it absolutely does. Insurance companies have a ton of statistics that show, in general, which vehicles have the most and least claims attached to them by make, model and year. More claims generally equal higher risk to insure and vice versa. Some vehicles are harder to repair, or may not have parts readily available. These also affect premiums.

How can I be sure that this information will be kept confidential?

As a valued customer of belairdirect, we respect your privacy and are committed to keeping personal information about you strictly between us. Our Privacy Policy can be found on our Website.

Why are medical conditions of licensed drivers in my household included in Additional Information?

Some medical conditions may affect the safe operation of a vehicle. You do not need to tell us which driver has any particular medical condition stated in the Declaration – or what that condition is. If there has been a recent change, simply answer “Yes” and we will follow up with you directly to obtain further information. Please be assured that this information will be kept completely confidential.

Unless there has been a recent change in medical conditions, which may affect the safe operation of your vehicle, you may simply respond “No” to these questions.

If I make a claim, will it affect my insurance premium?

Generally, most claims will affect your insurance premium, especially an at-fault claim. But if you have The Accident Forgiveness from belairdirect, your insurance premium won't go up at renewal as a direct result of your first two at-fault accidents. Interested in adding The Accident Forgiveness to your coverage? It's easy.

How does an insurance company decide who's at fault?

In Ontario, we follow a set of rules known as ‘Fault Determination Rules.' These rules look at all kinds of possible accident scenarios, without factoring in visibility, road conditions, weather, or pedestrian actions. If these rules aren’t applicable, we look at the ordinary rules of law.

What is a deductible?

A deductible is the sum deducted from part of a claim that you need to pay yourself. In other words, it's the amount that's deducted from the total you could get from us. Deductibles are different depending on the type of claim (whether it's for Collision and upset or All perils other than collision or upset). For Collision and upset coverage, you can usually choose between $250 and $500, and for All perils other than collision or upset coverage, you can choose $50, $100, $250 or $500. Please keep in mind that with every different situation, conditions may apply.

If I've been in an accident, where should I go for car repairs?

Ultimately, you can go anywhere you'd like, but we're more than happy to recommend one of the certified repair shops in our Rely Network®. We trust these shops to get the job done right, and the repairs are guaranteed for as long as you own your car. Also, you can rest easy knowing your belairdirect coverage gives you priority treatment in these shops.

If I've been in an accident, do I get a rental vehicle?

It depends. You'll qualify for a rental vehicle in these cases:

  • If you've got a rental car option on your policy (whether or not you're at fault)
  • If you've got belairdirect's AutoComfort® coverage (whether or not you're at fault)
  • If you only have standard coverage, and you're not at-fault

My car is a total loss. What does that mean for me?

This means that it would cost more to repair it than what the car is actually worth. You might be offered a settlement based on the car's cash value, depending on your coverage.

How do you figure out the cash value of my car?

We'll bring in an appraiser who will look up the going rate for cars like yours in your area. They'll also look at the condition of your car before the accident, paying attention to things like mileage, options, and any damage that was there before the accident.

If my vehicle is a total loss, who does my insurance company pay?

It depends. If a claim settlement gets the green light, the payment can go either to you (if you own the vehicle), or to the lessor company (if your vehicle is leased), or jointly to you and to the finance company (if your vehicle is financed).

I spend a lot of money maintaining my vehicle. Will this help boost its value?

A fresh coat of paint, a hardtop, or wheel cover will definitely affect the value of your vehicle. If you're interested in exactly how, you can ask a claims adjuster. Regular maintenance checks – oil changes, sparkplug changes and mechanical work – will help keep your vehicle in good working order, but won't increase its value.

I've been in an accident and the other person offered to pay for the damages. Should I let them?

We strongly recommend that you let your insurance companies settle your claims. We've seen private settlements end badly in the past, because problems can definitely come up. You could be left to foot the bill and you'd have no way of then claiming it through your insurance company. Your best bet is to let us deal with everything in a fair and equitable way.

Will my car insurance go down when I turn 25?

We do take your age into consideration when we calculate your premium. Statistically, drivers who are 25 or older are less at risk. But there are many other factors that affect your premium, too: the type of car you drive, your claims record, how you use your vehicle, where you live, and many other factors. So although your premium won't automatically change once you turn 25, your age will be taken into consideration when it's time for your renewal.

Is it better to get my own insurance when I go to College? Or should I stay on my parents' policy?

It's totally up to you. There are good reasons for or against each option. For instance, if you stay on your parents' policy, they can take advantage of multi-car discounts and possibly get better rates because of their life stage and stability. On the other hand, if your parents have an expensive car, their rates could go up because you're now driving it. If you get your own policy, you're in total control of your coverage options and payment terms. On the other hand, your rates may be higher because you can't take advantage of your parents' pricing.

Why is my car insurance premium so high?

As you may already have noticed, student insurance premiums are usually some of the highest around. Generally speaking, this is because most students fall into an age group that has a pretty high accident rate. Many of you are new to driving and are still gaining experience behind the wheel, so there's a higher risk of being involved in an accident. This higher risk leads to higher premiums.

How can I save on my car insurance premium?

We've got good news. If you're under the age of 25 and are a full-time student at a recognized College or University, you're eligible to save up to 10% on your car insurance with belairdirect. You can also consider adding The Accident Forgiveness to your coverage to protect against your car insurance premium going up as a result of your first at-fault accident. You can also consider raising your deductible. And it goes without saying that being a good driver is always the best way to keep your premium from going up.

Can my friends/roommates drive my car?

Everybody that's listed as a driver on another vehicle or policy can drive your vehicle. Someone who already has insurance as a primary driver on another vehicle can drive your car as well. If someone is not insured anywhere and drives your vehicle, you should tell your insurance company so that person can be mentioned on your policy.

Is it cheaper to insure my car and my husband's car together or separately?

With belairdirect, you get a discount when you insure two or more cars on the same policy. It's our Multi-vehicle Discount.

We're thinking of getting a second car. How much will our premium go up?

Your premium will increase when you insure another car. But by insuring more than one vehicle with belairdirect, you can take advantage of our Multi-vehicle Discount.

We're moving from the city to the suburbs. Will this affect my premium?

Potentially. When you move, we will need to take a look at the changes in your situation. Things like the distance you drive to work every day and where you live will affect your premium.

We just had a baby and I'm on maternity leave. Will I need to change anything on my policy?

If you're driving a lot less now that you're not going to work every day, you should have a chat with one of our certified insurance agents to see if you're eligible for a reduction in your premium.

We just bought a house. Will this help us save on car insurance?

If you insure your house and your car with belairdirect, you're eligible for our Car + Home Discount.

My daughter wants to get her licence. How can she save on her car insurance down the road?

When your son or daughter starts to drive and gets insured as a primary driver, he or she will start getting insurance experience that can affect his/her premium when he/she has his/her own car. Also, he or she may be eligible for our occasional driver discount if he/she has his/her learner's permit and is under the age of 25.

We're planning a long roadtrip to the U.S. Do we need to change our car insurance coverage?

This depends on a lot of things, like where you're going and how long you'll be gone. It's a good idea to have a chat with one of our licenced insurance agents. They can assess the situation and let you know whether your car insurance coverage is good as it is or whether you need to make some changes.

What do I do if there is damage to my car?

Here are some steps to follow, whether your car has suffered a minor fender bender or major structural damage. Make sure you're safe and that your car is not a danger for others, then gather all the necessary information you need to begin the claim process.

  • Take a moment to check that you and any passengers in your car haven’t been injured. Your health is the most important thing to consider.
  • If your car is still drivable, move your vehicle to a safe location out of traffic right away.
  • Even if you think you may be responsible, do not make a decision in the moment that may cost you money later.
  • You and the other driver should provide each other with your name, address, telephone number, driver's licence number, insurance company name and policy number, and year/make/model of vehicle.
  • Look for witnesses. If someone saw your accident, you may want to want to ask if you can contact them to support your version of events.
  • Report it to the police. In cases where the damage is slight and no one was hurt, many people think it’s not important to report the incident. But if there is any damage at all, reporting it to the police is a good rule of thumb.
  • Get to the nearest repair shop. In most cases, if your vehicle cannot be driven, a tow truck is legally obligated to bring it to the nearest Collision Reporting Centre. You can contact us from there to talk about your next steps, including taking your car to a repair shop from our Rely Network®.
  • Contact us as soon as possible. We can confirm your insurance coverage, tell you if you're entitled to any services or to a rental car, and recommend a preferred repair shop. You can reach a belairdirect claims representative at 1 877 270.9124, 24 hours a day, 7 days a week.
  • Only fix what needs to be fixed. Please contact us before making any other repairs.

What do I do if I am injured in an accident?

If you are even slightly hurt in an accident, please follow the following steps. You may not realize the full extent of your injuries until later, so it’s best for you to be as safe as possible. We’ll be ready to support you.

  • Call emergency services to the site of the accident and have them write out an accident report.
  • As soon as possible, you should visit a doctor for an examination. In addition to making sure you’re okay, your doctor should list all symptoms relating to your motor vehicle accident in your medical report. Have your doctor send you all reports to the Société d'assurance automobile du Québec (the "SAAQ", Quebec's public automobile insurance plan).
  • Call us. We’ll start your claim and support you through each step of the process until your claim is completed.
  • Share medical information. On disclosure of injuries, you will be assigned an Accident Benefit Adjuster, who will handle all matters related to your injuries. They will review your benefits and provide you with the necessary forms required to be completed in order to start the payment of your benefits.

If you are even slightly hurt in an accident, please follow the following steps. You may not realize the full extent of your injuries until later, so it’s best for you to be as safe as possible. We’ll be ready to support you.

  • Call emergency services to the site of the accident and have them write out an accident report.
  • As soon as possible, you should visit a doctor for an examination. In addition to making sure you’re okay, your doctor should list all symptoms relating to your motor vehicle accident in your medical report.
  • Call us. We’ll start your claim and support you through each step of the process until your claim is completed.
  • Share medical information. On disclosure of injuries, you will be assigned an Accident Benefit Adjuster, who will handle all matters related to your injuries. They will review your benefits and provide you with the necessary forms required to be completed in order to start the payment of your benefits.

What do I do if my car is a total loss?

A vehicle is a total loss if it would cost more to repair it than what the car is actually worth.

  • Talk to the claims adjuster who is handling your file. A claims adjuster will contact you and inform you of the next steps.
  • Find all applicable documents. A copy of your registration, sale or lease contract and repair invoices, are just a few items that will be requested.
  • Determine the value of your car. Upon receipt of the requested documents, your adjuster will be in a position to provide you with your vehicle's value.
  • Your vehicle will need to be emptied of all personal belongings.
  • Your consent is needed to move your vehicle to one of our recycling companies to minimize costs until the settlement of the file. Only then will the ownership of the car be transferred to belairdirect’s name.
  • Your vehicle's value is established by your insurer depending on the insurance coverage in effect when the loss occured.

What do I do if my car has been stolen?

It’s a terrible feeling to discover that your vehicle has been stolen. We can help you to recover your belongings. Remember that in addition to your car, your insurance may cover some of the items inside it (as long as they were used only with your car).

  • Check if your car was towed. Look at nearby signs to see if there are parking restrictions where you parked. You may want to call a towing company to double check that the vehicle was not towed.
  • If you suspect your car has been stolen, report the incident to the police.
  • If you have a tracking system or tracking device, call the company to begin a search for your vehicle.
  • Call us. Our claims representatives can start your claim and help you decide what to do next.
  • To process your claim properly, you’ll need to have these details ready: registration certificate, driver’s licence, purchase/rental contract, make/model/serial number of your car, invoices (for repairs, maintenance and added equipment) and keys. You should also make a list of the items that were in the vehicle when it was stolen.
  • Talk to a claims adjuster. Within 24-48 hours of you opening your claim, a claims adjuster will call you to complete your statement.
  • When your car was stolen, it may have contained items that weren’t covered by your car insurance policy. However, they may be covered by your home insurance or other insurance policy, depending on your coverage

What is an at-fault accident?

At an-fault accident is when you’re considered responsible for an accident you’re involved in.

What is an attendant?

An attendant is a caregiver who helps an injured person get through the tasks of their daily routine.

What is a catastrophic injury?

A catastrophic injury is an extremely serious injury that can end up as a permanent disability or long-lasting medical condition that fundamentally changes someone’s life.

What does civil liability mean?

A civil liability is your financial responsibilities when your actions cause harm to someone and/or damage to their property..

What is a dependant?

A dependant is someone, often a family member, who depends on another person for financial support.

What is depreciation?

A depreciation is when something goes down in value because of wear and tear, age, or by becoming obsolete.

What is endorsement?

An endorsement is an addition, exclusion or modification made to your standard insurance policy.

What is intermediary?

An intermediary is an individual between an insurance company and a consumer. This is having Civil Liability Coverage.

What is a premium?

A premium is the amount you pay to an insurance company for your coverage.

What is a policy?

A policy is a binding contract that outlines all the coverage you’re getting from an insurance company.

What is the difference between a partial loss and total loss?

A partial loss is when a car is damaged but not completely destroyed. On the other hand, a total loss is when something is damaged beyond use or repair.

What is a settlement?

A settlement is what an insurance company pays out for your covered claim.

What is an underwriter?

An underwriter is a person who looks at all your situation, evaluates your risks and calculates your premium.

What is a waiver?

A waiver is something you sign to surrender one of your rights.

If I own a house or condominium, do I have to get home insurance?

Unlike car owners– who must by law have car insurance to cover their civil liability, house and condo owners aren’t legally required to have home insurance. However, it may be a requirement in certain situations. For example:

Mortgaged homes
If you want to take out a mortgage to pay for your home, your financial institution may require you to have home insurance. This helps protect the value of the home and the security of their loan in case of something unexpected, like a fire.

Condo or co-op units
If you’re buying a condo or co-op unit, your co-owners association may require that you have insurance. You’ll need to double-check with your co-owners association, as each is different.

Whatever your living situation may be, we strongly recommend that you do get insurance because it not only protects your home and your personal belongings, it also gives you liability coverage in case you accidentally injure someone or damage someone’s property anywhere in the world.

If I’m a tenant why would I get home insurance?

Although there’s no law about having tenants insurance, there sure are a lot of compelling reasons. So many unexpected things can happen, like a fire or a break-in. If either of these happened, it could cost you thousands to replace your belongings, things like furniture, electronics, appliances, bedding, and clothes.Your tenants insurance would cover these things, and the cost of temporary accommodation if you need to move out when repairs are being done. What’s more, if you accidentally injure someone or damage another person’s property anywhere in the world, your liability coverage will protect you, up to the amount of your insurance coverage.

If I’m doing renovations on my house, do I need to tell my insurance company?

Yes. It’s important to let us know before you begin renovations because we may need to revise the value of your home. You’ll need to have enough insurance coverage to cover the value of your home, or the cost to rebuild it. You may also need extra coverage for the materials you use and for your own liability when performing renovations.

What should I do if my home gets damaged by water?

Call our 24/7 claims department at 1 877 228.2656 1 877 270.9124. A claims representative can guide you through the next steps and give you helpful advice. After confirming your coverage, an adjuster will help arrange for a contractor to come in to help get rid of the water, clean up the damage, and find the cause.

What documents will I need to give you if I make a claim?

Here’s what we’ll ask you for when you start your claim:

  • Your policy number (or a phone number if you don’t have your policy number handy)
  • As many details as possible regarding the incident
  • A police or fire department report (if one was made)
  • For equipment or appliances, documentation includes things like invoices, receipts, photos, make/model/serial numbers (or even user guides and warranties). For jewellery or art, appraisals are the best.

Does my belairdirect home insurance have any limits for coverage?

Yes. There are special limits for certain items, such as jewellery, furs, bicycles, collections, boats, and money... Limits are different from policy to policy. If you need to raise the amount of coverage on one of these items, you can add an endorsement to your policy or add a floater that protects something in particular. You can always adjust your insurance to make sure your coverage meets your unique needs.

I have a homeowners insurance policy under my name. Who does it cover?

Your homeowners insurance policy covers your personal property and your liability. It also covers the same things for your spouse and your relatives who are living with you in the same household. It’s a good idea to keep your policy up to date with the value of the belongings of everyone on the policy.

If I go on a trip, are the things I take with me covered by my insurance?

Yes. Any personal property you take with you while you’re temporarily away from home are covered by your home insurance policy. Keep in mind that there are some exceptions, so please have a look at your policy or talk with one of our certified insurance agents in case you’re not sure.

Are my swimming pool and spa covered by my home insurance?

Your home insurance covers your inground swimming pool and spa for certain perils, but it is better to add an extra coverage. If f you have an above ground swimming pool and spa, you’ll need to add an extra coverage.

Ontario: Yes, your home insurance covers both these things. Your standard insurance policy protects you in case water seeps into your home because your pool or hot tub leaks.

What is Guaranteed Replacement Cost coverage? Does belairdirect offer it?What is Enhanced Repair or Replacement Cost Without Deduction for Depreciation? Does belairdirect offer it?

Guaranteed Replacement Cost coverage means that if anything happens to your home (the actual residential building) the full cost to replace it (including construction costs) will be covered. Please speak with a licensed insurance agent to learn more about this coverage.

Enhanced Repair or Replacement Cost Without Deduction for Depreciation coverage means that if anything happens to your home (the actual residential building) the full cost to replace it (including construction costs) will be covered. Speak with a certified insurance agent to learn more.

What’s the difference between Replacement Cost and Actual Cash Value?

Replacement Cost is the cost of replacing something with a comparable new item or of repairing it (if it’s the less expensive option) without an amount taken away for depreciation. If repairs are being done, only new materials of the same kind and quality will be used.

Actual Cash Value is the actual value of something on the day the claim is made, not the value of it when it was new. This is calculated by taking the replacement cost then taking away an amount for depreciation, which is usually figured out by the condition of an item, its resale value, and its normal life expectancy.

Here’s an example: Let’s say you bought a brand new TV for $1,500 in 2012 and it gets stolen one year later. Calculations show that the TV was worth $1,000 when it was stolen. With Replacement Cost on your policy, you would get a new TV that’s identical or equivalent to the original. Without Replacement Cost, you would get $1,000 cash.

What does home insurance usually cover?

Your home insurance mainly covers your property and its contents. If you own a house, then your insurance will generally cover:

  • The building itself
  • The trees and shrubs located outdoors on the premises
  • Detached Structures on the premises, like a garage or shed
  • Your own personal property, like furniture, electronics, computers, clothing, kitchenware, jewellery and art
  • Additional living expenses if you need to relocate temporarily after making a claim
  • The loss of any rental income after making a claim, if applicable.

However, your needs are unique, so your coverage will be too. It depends whether your property is a principal or secondary residence, a cottage or condominium, an undivided co-ownership or an apartment. If you’re insuring a condo, under certain conditions, these will be added on:

  • Common portions which the co-owners have shared access or common portions for your exclusive use
  • Any improvements and betterments you may make to your unit and to common portion for exclusive use
  • Immovable elements of your unit

You can choose to insure your home for either of these:

  • Most risks that come out of unexpected situations (all risks' coverage)
  • Claims that come from risks included in your policy (designated risks overage)

You can always customize your policy to get the right amount of insurance for your unique needs, like adding specific insurance for a special piece of jewellery or work of art.

Most home insurance policies also give you Liability coverage, which protects you if you accidentally injure someone or damage someone’s property, anywhere in the world.

Why should I create a personal inventory of everything I own?

We strongly recommend that you keep an inventory of all your personal property to save yourself a ton of time, hassle and heartache if you ever need to make a claim. Keep your inventory up to date and tucked away in a safe place outside of your home, like in a safety deposit box, along with your invoices, receipts, appraisals, photos, videos, make/model/serial numbers (or even user guides and warranties). We suggest that you go from room to room and describe everything in as much detail as possible.

When it comes to insurance, how is the value of my home calculated?

At belairdirect, we consider everything it would take to rebuild your home entirely identical to the way it is right now. This includes the ground area covered by the building, the number of storeys, the existence of a garage, whether the basement is finished or not, and the year the house was built. When you choose your home insurance, you give us all the information we need to make these calculations. Please keep in mind that this isn’t a reflection of the market value of your home, or how much you could sell your house for.

Does my home insurance cover any additional expenses I have if I need to move out temporarily while repairs are being done after I make a claim?

Yes, according to the terms, conditions and limitations of your policy. If you make a claim that’s covered by your home insurance and you need to move out and get your meals somewhere other than your home, you’re covered for any additional living expenses you face, compared to what you would normally have spent living in your home.

For example, let’s say you have major water damage to your home. You need to stay in a hotel for a month and eat your meals there while repairs are being made to your home. The total bill is $5,000.

If the cost of your living expenses (e.g., meals, rent) for an equivalent period would normally have been $2,000, you would be compensated for the extra cost, in other words, $3,000.

  • Your living expenses for one month during repairs — $5,000
  • Your living expenses for one month under normal circumstances — $2,000
  • Your claim payment for additional living expenses — $3,000

I paid $1,200 for a new laptop computer in 2009. If it were stolen today, would I get $1,200 back from insurance?

It depends whether or not you have Replacement Cost coverage. Here’s the breakdown:

  • With Replacement Cost coverage:
    • You’ll get the lesser amount that comes out of the two scenarios below:
      • 1. If your laptop is found but is damaged, the repairs are covered with no deduction for depreciation. OR
      • 2. You’ll get compensated the value of a new laptop, identical or equivalent to the original, and the same type and quality.
    • Without Replacement Cost coverage:

You’ll get the actual cash value of the laptop on the day it was stolen. This amount is based on how much the laptop is worth minus depreciation, which is calculated by looking at the condition of it, its resale value, and its normal life expectancy.

Does my home insurance cover damage caused by a fuel oil leak from my central heating system?

No. You need to take out extra coverage for fuel oil leaks or the overflow of a central heating system caused by a pipe or tank.

Yes. If you have a fuel oil leak or an overflow of a central heating system caused by a pipe or tank, your home insurance covers the damage.

Yes. If you have a fuel oil leak or an overflow of a central heating system caused by a pipe or tank, your home insurance covers the damage.

Yes. If you have a fuel oil leak or an overflow of a central heating system caused by a pipe or tank, your home insurance covers the damage.

Does my home insurance cover damage caused by a flood?

No. A flood is considered an exceptional and catastrophic event and because of that, if your dwelling is located in an eligible territory, you have to take an extra coverage for this peril.

Yes, only if your policy includes coverage for Overland Water losses.

Yes, only if your policy includes coverage for Overland Water losses.

Yes, only if your policy includes coverage for Overland Water losses.

Does my home insurance cover any kind of water damage?

Yes, there is coverage for certain types of water damage losses. It is best to check your policy documents to confirm what types of water damage losses you are covered for as it may differ based on your needs and what you have chosen.

Do I need to tell you about a previous policy that was cancelled by another insurance company? Will this affect my premium?

Yes. If you had an insurance policy cancelled for any reason during the past five years, you need to let us know. This may affect your premium and our decision to insure you.

What to do when I experience water damage?

Chances are, you will face water damage in your home at some point. But just because it’s a common occurrence doesn’t make it any less inconvenient or costly. That’s why we’ll be ready to help you get your house dried out and your possessions restored as soon as possible.

  • Check to see if your house is structurally intact. Make sure the power and heat are turned off in the flooded area. We don’t want you or anyone in your family to be hurt.
  • Call us. Our claims representatives can start your claim and help you decide what to do next.
  • If the water damage has made it impossible to live in your home, one of our claims representatives can help you relocate until your home is back to normal.
  • Write a list of damaged or lost items and include their purchase date and value, with receipts.
  • Take photos of any water damage in your home and any damaged personal property belongings.
  • Wear gloves and boots to clean and disinfect if needed. Prevent mould by removing wet contents as soon as possible. Open windows and use fans to help dry the area.
  • Call City Hall and let them know about the situation, in case your water damage was related to the city sewers.

After water damage, some items in your home may need to be thrown out. Don’t forget to take a picture first, so you can include those items in your claim.

What to do when I experience a fire in my home?

Even on a small scale, fire can be damaging to possessions and –more seriously– to health. If a fire occurs in your home, this checklist can help you deal with the aftermath. And we’ll be ready to help you repair the damage and return your home to its previous state.

  • Call the fire department. Even if the fire is small, get the experts to your home right away.
  • The fire department will let you know when it’s safe to go back into your home or into a particular room.
  • Call us. Our claims representatives can start your claim and help you decide what to do next.
  • If you can’t live in your home due to the fire, one of our claims representatives can help you relocate until your home is back to normal.
  • Ask for a fire and police report. This is important for us to complete your claim quickly and to your satisfaction.

What to do if my home has been burglarized?

When theft occurs in your home, it can be a traumatic experience. We understand how it can impact your sense of security, and we will help you recoup your losses as fast as possible. Here’s what you can do if it happens to you.

  • Call the police and report the theft right away.
  • Try to see if any damage has been done to the inside or outside of your home.
  • Call us. Our claims representatives can start your claim and help you decide what to do next.
  • If you are renting your home, you should call the owner to let him/her know about the situation, especially if there is damage to the building.
  • Your home may need to be secured (if a window or door is broken, for example). If it’s urgent, call a contractor to make the necessary repairs and be sure to get receipts. We can put you in touch with someone from our Rely Network® to do the job for you.
  • Try to make a list of the possessions that are missing. Include dates purchased, place of purchase, make and model, serial numbers and any proofs of possession (receipts, pictures, instruction manuals, boxes or account statements).

What's automerit and how does it work?

Available through the belairdirect app, automerit is belairdirect's usage-based insurance program that rewards safe driving behaviour. Through your smartphone's GPS, accelerometer, and gyroscope, the automerit program will assess how safely you drive in order to calculate your potential discount. Approximately every 6 months, you could save up to 25% on your car insurance based on the driving choices you make. It's simple: the safer you drive, the more you could save!

How do I join automerit?

Joining the automerit program is quick and easy! Simply contact us, or for more information visit www.belairdirect.com/automerit. A download link will be texted to you and each principal driver on your policy who has joined the program.* Once you activate your account, accept the Terms of Use, and give the app access to certain features on your smartphone - you're ready to start driving!

*If there's more than one principal driver on the same policy enrolled in the automerit program, the download link will be texted to the phone number provided for each principal driver.

Joining the automerit program is quick and easy. It's automatically included in your car insurance coverage and a download link will be texted to you and each principal driver on your policy. Once you activate your account, accept the Terms of use, and give the app access to certain features on your smartphone—you're ready to start driving!

What's an enrolment discount?

The enrolment discount is applied to the cost of your car insurance when you first join the automerit program. This one-time discount is applicable over your first collection period of approximately 6 months. At the end of this collection period, you could save with a personalized driving discount based on your driving behaviour.

Can I withdraw from automerit at any time?

Yes, you can end your participation in the automerit program at any time by contacting us. However, you will lose any discount related to the program.

Can my automerit discount apply to all my cars? Can my discount or surcharge apply to all my cars?

Yes, your automerit discount will apply to any car you drive as long as you're the principal driver on the policy, and your car meets the eligibility requirements of the program.

Yes, your automerit discount or high-risk driving surcharge will apply to any car you drive as long as you're the principal driver on the policy, and your car meets the eligibility requirements of the program.

Can additional drivers on my policy join automerit?

Yes! Any driver listed as a principal driver on your policy can join the automerit program.

What happens with automerit if I drive my car for business?

Not a problem. If you're driving for business, your trips will still count towards your Safety Scoreand automerit discount.

Can I join automerit if I'm an Uber, Lyft or commercial driver?

The automerit program is designed for business and personal use only. If you're driving for commercial reasons (Uber, Lyft, etc.), you will need to visit the All Trips section of the app and set the toggle to "I was a passenger on this trip" within 30 days of completing the trip. You can also contact us if you need to correct any other tagged information.

What type of smartphone do I need to use automerit?

You will need an iPhone running iOS 10 or higher, or an Android device running version 5.1 or higher. Depending on the type of smartphone you have, the automerit program's performance can vary as certain sensors behave differently in different devices.

How do I download automerit?

Depending on your smartphone settings, the belairdirect app will update automatically with the automerit program or you will be prompted to confirm the update. If you don't have the belairdirect app, you can download it for free from the App Store© or Google Play™.

Why do you need permission to use my location for automerit?

The automerit program won't work unless you turn on location services in your smartphone settings. Your location allows us to detect driving behaviour, such as changes in speed and when you start a trip. It also helps us to identify whether you're the driver or a passenger.

Why do you need permission to access my iPhone's motion sensors for automerit?

We need access to your iPhone's motion and fitness data for its accelerometer and gyroscope sensors. As the name implies, the accelerometer measures acceleration and helps us determine how fast your phone is moving. Whereas the gyroscope detects which direction it's pointing in.

Why do you need permission to make and manage phone calls on my Android device for automerit?

We need access to "make and manage phone calls" on your Android device for its accelerometer and gyroscope sensors. As the name implies, the accelerometer measures acceleration and helps us determine how fast your phone is moving. Whereas the gyroscope detects which direction it's pointing in.

How do you know if I'm the driver or just a passenger while using automerit?

When you first access the automerit program, you will be asked if you're mostly the driver or a passenger when travelling by car. We also use state-of-the-art technology to analyze your driving behaviour and smartphone's movements in order to identify if you're the driver, passenger, or travelling by some other mode of transit (e.g. public transportation).

How much of my smartphone's battery will be used while using automerit?

Like any app that uses your location, the automerit program will consume an average of 3% to 6% of your smartphone's battery life per hour. This is a small amount when you're not driving, and slightly more while you're taking a trip. Remember, if your battery is lower than 20% or your smartphone is in power-saving mode, your trips will not be recorded!

Do I need to have a data plan to use automerit?

Yes, you must have a data plan with internet access in order to collect and transfer your driving data to us.

How much of my data plan will be used for automerit?

Generally, between 30 and 60 MB per month will be used. This is a very small fraction of the average data plan (1000 – 2000 MB or more per month).

I’ve followed all the steps. Why doesn’t automerit appear in my app?

If you already have the belairdirect app and cannot access the automerit program in the app, please try logging out and logging back in. If you still cannot access the program, try deleting the app and downloading it again or contact us at 1 877 727.8477 1 855 250.6517 1 844 364.0223 1 877 727.8477 1 855 250.6517 1 844 364.0223 and a member of our customer service team will guide you through activating the automerit section of the app

Why does my trip's starting point not match my actual location?

In order to determine your trip's starting point, you need to start driving. As a result, there's a delay of 300 metres before we can detect movement and pinpoint your location.

Why don't I see my latest trip?

It may occasionally happen that a trip is not recorded due to:

  • no internet connection;
  • battery is lower than 20%;
  • smartphone is in power-saving mode;
  • permission is disabled;
  • app is not running in the background;
  • app is experiencing technical difficulties.

I wasn't the driver! How do I change my Trip Summary?

Don't worry! In the event that a trip has been misclassified, visit the All Trips section of the app and set the toggle to "I was a passenger on this trip" within 30 days of completing the trip. You can also contact us if you need to correct any other tagged information.

Someone else was using my phone while I was driving. What now?

Just visit the All Trips section of the app and set the toggle to "A passenger was using my phone" within 30 days of completing the trip. The distracted driving event will then be removed from your Trip Summary. You can also contact us if you need to correct any other tagged information.

What happens if I don't drive for a while?

Please contact us in advance if you're planning not to drive for more than 30 days. If you don't, this could result in the cancellation of your automerit enrolment and you will lose any discount related to the program.

What happens if I don't activate automerit?

It's important to activate your enrolment in the automerit program within 15 days of the program's effective date. If you don't, this could result in the cancellation of your enrolment and you will lose any discounts related to the program.

What happens if I get a new or different type of smartphone?

You will need to download the belairdirect app again. There's no need to re-enrol in the automerit program as all your information will be stored.

What do I do if I get a new phone number?

Just give us a call! We'll make the necessary changes to your account and text you a new automerit download link. All your information will be stored, and you can continue driving.

What happens if I delete the belairdirect app?

Don't worry! If you delete the belairdirect app by mistake, you just need to download it again and follow the prompts to activate the automerit program. All your information will be stored, and you can continue driving. Remember - if we can't record your trips within a 30-day period this could result in the cancellation of your automerit program enrolment and you will lose any discount related to the program.

What should I do if there's a mistake in my driving data?

We're here to help! Contact us at 1 877 727.8477 if there's an error in your driving data, or if you're experiencing technical difficulties.

How do you calculate my discount?

Your automerit discount is based on the following driving events:

  • duration of trip;
  • hard braking;
  • rapid acceleration;
  • cornering and fast turns;
  • kilometres driven; and
  • distracted driving (using your phone to talk or text, even if it's hands-free).

These driving events are then analyzed based on factors such as:

  • severity of the event;
  • speed at which the event was registered;
  • time of day and day of the week;
  • road types (e.g., highway, urban or rural); and
  • left or right turns.

We understand that even experienced drivers need to brake hard or accelerate quickly sometimes. It's your safety that matters most, which is why your automerit discount is calculated over the average of several trips. Don't worry! One individual event will not have a significant impact on your overall score.

Can the cost of my car insurance increase because of automerit?

Your personalized driving discount may change or even be removed during the course of your policy term. Mid-term (at approximately 6 months) your premium may increase or decrease due to the completion of a collection period and the updating of your automerit discount. This fluctuation could result in a balance owing to us. When your policy is renewed, your automerit discount will be adjusted and your premium could again increase or decrease based on several factors other than a change in your automerit discount.

What's my Safety Score?

Your Safety Score provides you with an at-a-glance summary of how safe you're driving. It takes into account your driving data from the last 30 days, and will display a score for the following five risks which are highly representative of your driving and could affect your automerit discount:

  • Risky hours: driving at night between 2 a.m. and 5 a.m. when the risk for car accidents is higher.
  • Rapid acceleration: quick changes in speed starting at or exceeding 11.0 km/hr per second.
  • Hard braking: sudden changes in braking speed starting at or exceeding -11.0 km/hr per second.
  • Speeding: driving at an excessive speed.
  • Distracted driving: using your phone to talk or text, even if it's hands-free.

We understand that even experienced drivers need to brake hard or accelerate quickly sometimes. It's your safety that matters most, which is why your Safety Score is calculated over the average of several trips. Don't worry! One individual event will not have a significant impact on your overall score.

How do I read my Safety Score?

Your Safety Score lets you take a closer look at how you're driving through colour coding to indicate your level of risk:

  • Dark green: very low risk
  • Light green: low risk
  • Yellow: moderate risk
  • Orange: high risk
  • Red: severe risk

What are my Driving Stats?

Your Driving Stats provide you with a detailed description of each risk displayed in the app and propose tips for improvement. This allows you to monitor your progress and see how you compare to other drivers participating in the automerit program in your province.

When will the cost of my car insurance change?

When you first join the automerit program, you will receive a one-time 10% enrolment discount. This enrolment discount will then be replaced, if applicable, by a personalized driving discount based on your driving behaviour (180 days after your first tagged trip).

For a collection period ending during your policy term, you can expect that:

  • If your discount increases, your automerit discount and premium will be updated.
  • If your discount decreases, your automerit discount and premium will be updated. However, if your discount only decreases by less than 7%, we will not apply your updated automerit discount and will continue to apply the previous discount and premium.

Your automerit discount will again be adjusted when your policy is up for renewal. Once your policy is renewed, the cost of your car insurance may increase or decrease based on several factors other than a change in your automerit discount. For upcoming policy terms, your discount will be updated approximately 6 months into your policy term, and again at renewal.

Once your first collection period has been completed (180 days after your first trip), if applicable, your automerit discount or a high-risk driving surcharge will be applied. For a collection period ending during your policy term, you can expect that:

  • If your discount increases, your automerit discount and premium will be updated.
  • If your discount decreases, your automerit discount and premium will be updated. However, if your discount only decreases by less than 5%, we will not apply your updated automerit discount and will continue to apply the previous discount and premium.

Your automerit discount or high-risk driving surcharge will be adjusted when your policy is up for renewal. Once your policy is renewed, the cost of your car insurance may increase or decrease based on several factors other than a change in your automerit discount. For upcoming policy terms, your discount or high-risk driving surcharge will be updated approximately 6 months into your policy term, and again at renewal.

What driving behaviour is displayed in the app?

The automerit program helps you drive safer by translating your driving data into easy to understand driving behaviours and events, such as:

  • hard braking;
  • rapid acceleration;
  • risky hours;
  • speed; and
  • distracted driving (using your phone to talk or text, even if it's hands-free).

This is simply an overview as several factors are used to calculate your automerit discount.

How many kilometres do I need to drive?

In order for us to capture an accurate picture of your driving behaviour, you must drive a minimum of 1,000 km during a collection period. If you don't, any automerit discount will cease to apply until a new collection period is completed.

How is my discount applied to my car insurance?

Your automerit discount is just one of many savings that could be applied to your car insurance policy (e.g. car + home discount, discount for two or more vehicles, etc.). Discounts are applied to your premium in different sequences and apply to specific coverage, which is why you might notice that your dollar discount is different from your percentage discount. Don't worry! You will always receive the correct amount of savings.

How do I know if I'm getting a discount? How do I know what my discount or surcharge will be?

Your projected automerit discount will be displayed on the app's dashboard. Every month, the policyholder will receive an email outlining any upcoming discount for all principal drivers on the same policy.

Your projected discount or high-risk driving surcharge will be displayed on the app's dashboard. Every month, the policyholder will receive an email outlining any upcoming discount or surcharge for all principal drivers on the same policy.

Why does my app discount not match my policy documents?

The discount that is applied on your policy documents is the one calculated approximately every 6 months, at mid-term or at renewal, and could be different from the projected discount that appears in the app today, which is updated after every trip.

When is my discount updated in the app?

Your projected automerit discount will appear in the app once you have driven 1,000 km. Once this threshold is reached, your projected discount will be updated within a few minutes after each trip.

How will my car insurance payments be adjusted?

Whenever the cost of your car insurance changes, you will receive updated policy documents including a billing statement indicating any adjustments in your payments:

  • If the premium has already been paid in full: a refund will be issued if the premium decreased, or an additional amount will be due if the premium has increased;
  • If the premium is paid monthly, or by another payment method: the payment schedule will be adjusted accordingly to reflect increased or decreased payments, as the case may be.

When your policy is renewed, the cost of your car insurance may increase or decrease based on factors other than a change in your automerit discount.

What happens to my discount if my car is in storage? What happens to my discount or surcharge if my car is in storage?

Your automerit discount can't be applied to a car in storage. However, if you drive more than one car, your discount will be applied to the car you're currently driving.

Your automerit discount or high-risk surcharge can't be applied to a car in storage. However, if you drive more than one car, your discount or surcharge will be applied to the car you're currently driving.

Who has access to my trips?

Information about your driving behaviour and trips is only shared with TrueMotion, Inc., a mobile telematics company. We work with this service provider for the technology, systems, and services necessary to run the automerit program.

Do you track my phone calls?

No, belairdirect only receives information to detect if you are using your phone while driving. Your phone calls will never be tracked or recorded.

Can other drivers on my policy see my Safety Score and trips?

No. This information is only visible to you and is not shared with any other drivers on your policy.

Can the police access my driving data if I have a car accident?

Not without proper legal authorization or your consent. We're committed to protecting your privacy and will never disclose your personal information to law enforcement agencies, unless otherwise permitted or required by law.

How is my driving data protected?

We use strict security safeguards when storing or destroying your personal information in order to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. In the event that we transfer your personal information to a third party (e.g. our service provider, TrueMotion, Inc.), we contractually require such third party to protect and handle your personal information in a manner consistent with our own privacy safeguarding measures and according to all applicable laws.

Will belairdirect ever share my information?

belairdirect and Truemotion, Inc. will only use and disclose your information in accordance with the automerit program's Terms of Use, unless otherwise required by law.

What type of encryption do I need?

There are currently two levels of encryption available in today's popular web browsers: 40-bit encryption and 128-bit encryption. We recommend that you use a 128- bit browser, because it provides a much higher level of security. We've provided download locations for Microsoft’s Internet Explorer, Firefox and Safari. We can also help you determine whether your browser is secure enough for online browsing, and we can help you download a browser with the encryption you need.

How do I know if my online session is encrypted?

You know that your data has been encrypted on a given Web page by looking for the following icons in the lower portion of your browser:

  • Internet Explorer
  • Mozilla Firefox
  • Safari

NOTE: Microsoft Internet Explorer and Firefox display the icon on the lower right corner of the browser. In addition, Safari displays the icon in the upper left navigation toolbar.

With Microsoft Internet Explorer and Firefox you can click on the icon to determine what level of encryption is being used for a particular Web page.

We ensure all online sessions with belairdirect are encrypted.

Please note the installation, downloading, or use of certain software may result in the ability of third parties being able to analyse or collect your information by redirecting secure transmissions through their servers. While we will endeavour to protect all information as much as possible by notifying you of such redirection and by blocking access when such software is detected by belairdirect, we cannot guarantee the security and privacy of any information should you decide to use such software, and belairdirect shall not be liable due to its inability or failure to provide notice of redirection of your information, or for its inability or failure to block access when such software is detected. You acknowledge that belairdirect will not be liable for any damages arising from the use of such software irrespective of whether we are aware of such risks.

What's the difference between domestic-grade encryption and international-grade encryption?

The difference between these two types of encryption is one of capability. Domestic-grade encryption is exponentially more powerful than international-grade encryption. Think of it this way: 40-bit encryption, also called international-grade encryption, means there are 240 possible keys that could fit into the lock holding your account information. Meaning there are many billions (a 1 followed by 9 zeroes) of possible keys. 128-bit encryption, also called domestic-grade encryption, means there are 288 (a three followed by 26 zeroes) times as many key combinations than there are for 40-bit encryption. A computer would require exponentially more processing power than for 40-bit encryption to find the correct key.

How does encryption work?

Everything that travels through cyberspace during your online session, from your password to your instructions and commands, becomes a string of unrecognisable numbers before it is transmitted via the Internet. Both belairdirect's computers and the browser you use to surf the Web understand the mathematical formulas, called algorithms, that turn your online session into numeric code, and back again to meaningful information.

These algorithms serve as locks on the vaults of your account information. And while belairdirect and your computer can easily translate this code back to a meaningful language, this process would be a daunting, almost impossible task for unauthorised intruders. That's because there are billions of possible keys potentially solving each formula -- but only one that will work. Each time you begin an online session, your computer and belairdirect’s systems agree on a random number to serve as the key for the rest of the conversation. What the random number could be depends largely on the strength of encryption your browser utilises.

Are Online Financial Services Safe?

You can transact your business online with belairdirect with confidence knowing belairdirect uses the most up-to-date encryption technology available.

All information you share with us is held in the strictest confidence, in compliance with privacy standards followed by all major Canadian financial institutions.

Do I need insurance for a seasonal vehicle?

Whether you use your motorcycle, scooter or moped as your primary method of transportation during the summer months or just for weekend trips, you need insurance that protects you on the road.

belairdirect offers insurance products for the following special vehicles:

  • Motorcycles
  • Snowmobiles
  • ATVs
  • Fifth wheels
  • Travel trailers
  • Motorhomes
  • Tractors
  • Taxis

Do you need coverage for vehicles other than your car(s)? belairdirect can help. We also offer insurance products for the following special vehicles:

  • Snowmobiles
  • ATVs
  • Fifth wheels
  • Travel trailers

Whether you use your motorcycle as your primary method of transportation during the summer months or just for weekend trips, you need insurance that protects you on the road. belairdirect offers insurance products for the following special vehicles:

  • Motorcycles
  • Fifth wheels
  • Travel trailers
  • Motorhomes

Alberta: Whether you use your motorcycle, scooter or moped as your primary method of transportation during the summer months or just for weekend trips, you need insurance that protects you on the road. belairdirect offers insurance products for the following special vehicles:

  • Motorcycles
  • Snowmobiles
  • ATVs
  • Fifth wheels
  • Travel trailers
  • Motorhomes

Are my equipment and accessories covered?

Quebec: Yes! You're automatically covered for optional equipment and accessories.

Off-road Vehicles
You are automatically covered for up to $3,000 worth of equipment and accessories that you've added to your ATV or snowmobile.

Motorcycle, Scooter and Moped*
You are automatically covered for up to $4,000 worth of equipment and accessories such as foot rests, leather saddlebags, stereo systems and chrome parts.

That's what you get with our standard insurance coverage. You can increase your coverage for a small additional premium.

* Does not apply to mopeds 50cc or less.

We're planning an ATV trip outside the province. Do we need to change our off-road insurance coverage?

You can leave for your trip feeling secure thanks to our insurance coverage that allows you to use your vehicle outside of the province for a maximum of 180 consecutive days at no extra cost! We recommend that you let your insurer know if you decide to use your vehicle outside of the province.

You can leave for your trip feeling secure thanks to our insurance coverage that allows you to use your vehicle outside of the province for a maximum of 180 consecutive days at no extra cost! We recommend that you let your insurer know if you decide to use your vehicle outside of the province.

You can leave for your trip feeling secure thanks to our insurance coverage that allows you to use your vehicle outside of the province for a maximum of 180 consecutive days at no extra cost! We recommend that you let your insurer know if you decide to use your vehicle outside of the province.

How can I save on my seasonal car insurance premium?

Take control of your off-road vehicle and take advantage of discounts for which you may be eligible.

Get a discount if:

  • Your vehicle has an anti-theft device, intensive engraving or tracking system (recognized by belairdirect).
  • You insure more than one off-road vehicle with belairdirect.
  • You're a member of a club or association recognized by belairdirect.

Plus, you can save on your belairdirect home insurance by combining it with your off-road vehicle insurance.

Is my off-road vehicle covered in case of theft or total loss?

If your vehicle is new or fairly new, you can opt for coverage that ensures that no depreciation will be applied to the value of your motorcycle, scooter, snowmobile or ATV in case of theft or a total loss.

Is there a rental of a replacement vehicle included in my standard seasonal vehicle insurance coverage?

We want you to travel with peace of mind. That’s why you could purchase a coverage for a rental of a replacement vehicle in our standard insurance coverage. Coverage includes damage to your seasonal vehicle due to an accident, up to $2,000 for a rental vehicle, as well as additional expenses, such as meals, lodging, transportation of your personal effects, and if required, bringing your vehicle home, up to a total of $1,000. * Does not apply to mopeds 50cc or less

What does travel insurance cover?

belairdirect features a wide variety of insurance products –so you can choose the options that are right for you!

  • Travel Medical Insurance - Multi-trip Annual
  • Travel Medical Insurance - Single Trip
  • Travel Medical Insurance - Visitors to Canada
  • Additional plans & options
  • Other available options
  • Protect yourself today!

How do I make a travel insurance claim?

Wherever you travel in the world, assistance is only a toll-free phone call away. In the event of a medical emergency, friendly Claims Representatives are available 24/7.*

  • In Canada & USA, call 1 800 663.0399
  • In Mexico, call 001 800 514.9976 or 01 800 681.8070
  • Worldwide, call collect 1 604 278.4108

To open your claim online, please visit tugo.com/claims. It’s convenient and easy to use.

Do you have annual plans for frequent travelers?

Absolutely! Pay less for coverages and travel more throughout the year with our Multi-trip Annual plan. It’s the best value we offer. Simply select the maximum number of days you plan to be away on any one trip and travel worry-free. No matter how often you travel, this Travel Medical Insurance goes wherever you go.

I plan on visiting Canada. Do you offer travel medical insurance for visitors?

Our Travel Medical Insurance covers people visiting Canada, new immigrants or Canadians returning from abroad who are awaiting provincial medical coverage. This coverage is available for Single Trip only.

This insurance covers visitors to Canada requiring an emergency hospital stay or emergency medical treatment. It also protects recent immigrants and Canadians returning to Canada after living abroad who are awaiting provincial health plan coverage.

Some of the benefits include medical transport, emergency dental, prescription drugs and additional board and lodging expense for your travelling companion while you are confined to a hospital.

You can choose coverage options with limits from $10,000 to $300,000 CAD.

When am I covered for Trip Cancellation /Trip Interruption?

To be covered, you need to have Trip Cancellation /Trip Interruption Coverage. Keep in mind that for an event to be considered a hit and run, a police report must be filed within 24 hours. However, if you’re not covered, you can request compensation from SAAQ. Please keep in mind that this doesn’t replace coverage offered by insurance companies. Trip Cancellation/Trip Interruption coverage reimburses certain travel costs if your travel plans are cancelled before your departure or if they are disrupted after the start of your trip because of a covered risk, such as your unexpected sickness, injury and death or that of your travelling companion, your immediate family or your travelling companion’s immediate family, natural disaster, travel advisory, subpoena, hijacking, involuntary job loss, missed connection and non-issuance of a travel visa.

Does my travel insurance cover car rental insurance?

If you'd like, you can choose to add a Rental Car Protection Coverage to your travel insurance.

Rental Car Protection provides coverage worldwide against physical damage or loss of a car when you rent or lease during your trip. Up to $50,000 worldwide against physical damage and loss of a car you rent or lease automobile car on your trip.

Can I get insured for a single trip?

Of course you can! If you’re planning on travelling only once this year, Single Trip coverage is the most economical way to travel protected. Rates will vary depending on if you're travelling within Canada, to the United States or somewhere else in the world.

Can I insure a car for a week?

If you do not have an insurance contract in force, unfortunately not. A contract is for a minimum period of one year. If you already have a contract in force, it is best to call your insurer and discuss your options with them.

Does tenant insurance cover damage to the occupied home and/or the building?

Tenants are held financially responsible for the harm they cause to any part of the building in which they live or to others who live or visit there. Your liability coverage will protect you if you cause accidental damage to the building – whether to your unit or to the whole building.

Can I insure a vacant home?

It’s never ideal to leave a house vacant since the nature of the risk changes considerably. This has consequences for your insurance coverage because it no longer fits the situation. If it is unavoidable call us, preferably in advance, so that we can assess the situation with you.

Is it legal to require renters insurance?

Although there’s no law about having renters insurance, landlords can require a tenant to buy and maintain tenants insurance as a requirement of the lease. In addition, requiring tenants to purchase their own insurance policy is the only real way to protect their possessions.

What are the two basic forms of property insurance?

We have several home insurance forms, and the form best suited to your needs will be offered by the agent at the time of submission. This form may be changed during the term or at your renewal, depending on your changing needs and situation.

What is covered by landlord insurance?

The insurer covers the building, personal property within the dwelling such as furniture, any detached private structures such as garages or gazebos, additional living expenses if ever you are unable to use your home and civil liability coverage if ever you damage somebody else's property.

What is covered under fire insurance policy?

Fire damage is covered by the standard contract. Some other damage, such as wind and hail damage, may also be included. Other damages may be added to the contract at a later date. It is important to always refer to your contract, and in case of doubt or questions to speak with an insurance agent.

Who needs home insurance?

Home insurance is always strongly recommended, whether you are a condo owner, tenant, owner or landlord. In home insurance, subrogation applies. This means that if you are the cause of the loss, the claimant's insurer will come back against you for the amount of damage related to the loss. It is therefore your civil liability that will be involved. Your home insurance policy automatically covers you for this. The amount varies according to certain criteria and needs.

What is considered property damage?

Property damage means damage to or destruction of property.

Does commercial auto insurance cover personal use?

It always depends on your insurance contract with your company. At belairdirect, normally, personal use is covered by the same contract as your commercial or professional insurance. In case of doubt, do not hesitate to contact us.

Do I need extra insurance for short-term rental?

Yes. Short-term rental (through services such as Airbnb, HomeAway, Kijijiji etc.) leads to an increased risk of claims. We consider that the risk is increased from the first day of a rental. That is why a rate is applied at all times in these situations.

Can I use my digital proof of insurance in place of the paper copy?

You can access your digital proof of insurance in the Car or Documents section of the app. You can also add a widget to your phone's home screen for secure access. Follow the instructions provided in the app or visit the help page for your iPhone or Android device

How do I access my digital proof of insurance?

You can view your digital proof of insurance in the Car or Documents section of the app.

You can also add a widget to your phone's home screen for secure access. Follow the instructions provided in the app or visit the help page for your iPhone or Android device.

What information is on the digital proof of insurance?

On your digital proof of insurance, you will find the name of your insurance company with your policy number, coverage dates, name, address, as well as the year, make, model and the serial number of your vehicle.

If someone else drives my car, how do I share my digital proof of insurance with them?

Only policyholders* can access your digital proof of insurance through the app. It's not possible to share with other drivers through the app yet, but we're working on it. In the meantime, make sure you always keep the paper copy in your vehicle.

*The policyholder is the person whose name the insurance policy is registered.

Only policyholders* can access your digital proof of insurance through the app. It's not possible to share with other drivers yet, but we're working on it. In the meantime, you can email the PDF version of your digital proof of insurance.

*The policyholder is the person whose name the insurance policy is registered.

How do I protect my personal information when showing my digital proof of insurance to the police or other drivers?

We are committed to protecting your privacy, which is why our digital proof of insurance is available on your phone’s lock screen. This feature allows you to lock your screen and restrict access to your phone's content when sharing your digital proof of insurance.

For added protection, you can also turn off notifications, but remember to be careful not to unlock your phone through fingerprint or facial recognition accidentally.

By using this digital proof of insurance, you accept all risk and responsibility associated with its use.

Can I access my digital proof of insurance when I'm offline?

Add the widget to your phone's home screen to access your digital proof of insurance even when you're offline.

When you renew or change your policy, you will need to update to the latest version of the app by connecting to the internet before accessing your digital proof of insurance or the widget.

My policy was renewed or changed. How do I update the proof of insurance widget?

You will need to update the app to the latest version. Changes to your policy will appear within the next business day.

How do I get access to the latest version of my digital proof of insurance?

You will need to update to the latest version of the app and have an internet connection to view your most recent digital proof of insurance.

Can I use my digital proof of insurance outside of my province?

The digital proof if insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. Make sure you always carry the paper copy when travelling outside the province.

What should I do if a police officer does not accept my digital proof of insurance?

The digital version of your proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. If necessary, a police officer can confirm your coverage by calling 1 888 270.9732 1 888 280.8549 1 866 473.9659 1 844 757.2925 1 866 473.9676.

We recommend that you always keep the paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.

The digital version of your proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. If necessary, a police officer can confirm your coverage by calling 1 888 270.9732 1 888 280.8549 1 866 473.9659 1 844 757.2925 1 866 473.9676.

We recommend that you always keep the paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.

Tips on how to print your proof of insurance.

The digital version of your proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. If necessary, a police officer can confirm your coverage by calling or you can present the paper copy.

In Alberta, you also have the option of emailing your digital proof of insurance to law enforcement if required.

We recommend that you always keep the paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.

Tips on how to print your proof of insurance.

Can I print a copy of my proof of insurance?

If you need to print your proof of insurance, download the PDF version available in the app or your Client Centre account. Print it in colour on white paper to make sure all the information is clear and legible. We recommend that you always keep the paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.

Can I use my digital proof of insurance if I drive a commercial car, motorcycle or an ATV?

As long as the vehicle is covered by a personal auto insurance policy, you can access your digital proof of insurance through the app.

What happens if my phone is damaged when I share my proof of insurance?

If you choose to use digital proof of insurance, you're responsible for any risks that may arise, such as damage to your phone by a third party, including a police officer.

What happens if my phone malfunctions or its battery dies?

It's the driver's responsibility to have a valid proof of insurance at all times. Be prepared for the unexpected by keeping a paper copy in your vehicle.

How do you prevent fraud?

The digital proof of insurance is equipped with several safety features to prevent fraud and protect your privacy. The app will never allow access to your location or personal information without your explicit consent.

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