Car Insurance FAQs & Answers

Shopping for Car Insurance

Usually, one-way means you're only insured with basic coverage, meaning you only have Liability and Direct Compensation Property Damage (DCPD) coverage. The Liability coverage would cover you if you were ever to get sued after an accident. The DCPD would cover damage to your vehicle if you're in an accident with another vehicle insured by a licenced insurer, when you are not or partially not at-fault. When you have two-way insurance, this usually means that your car is covered as well as the damage you cause to others.

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.

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.

The choice is really up to you other than the mandatory $200,000 Third Party Liability coverage you must obtain through ICBC. Though belairdirect, you can purchase Excess Third Party Liability starting at $800,000. The other options include $1,800,000, $2,800,000, $3,800,000 and $4,8000,000. Higher liability options are sometimes used by people who often travel outside the province or in the USA, where the insurance laws are not always the same. With higher limits you would be better protected in case you get sued after an accident.

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).

To be covered for hit and run, you need to have Collision CoverageCollision 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.

Yes, in Canada and the U.S. But if you're planning to use it for a trip that's six months 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.

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

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.

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.

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).

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.

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, such as: 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.

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.

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
  • Paying your premium in one lump sum
  • Taking steps to decrease your risk

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

Yes. If you want to drive a car in Quebec, you need to have civil liability insurance. If you don't have civil liability insurance, you could have to pay huge expenses if you injure someone or damage someone's property. Rest assured that with belairdirect, you're covered in case these things happen, up to your maximum insurance 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.

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.

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.

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.

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.

Making a Claim

Only at-fault claims affect your insurance premium, but you should report all of your claims to your insurance company. But if you have The Accident Forgiveness  from belairdirect, your insurance premium won't go up as a direct result of your first at-fault accident. Interested in adding The Accident Forgiveness to your coverage? It's easy.

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.

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.

A deductible is the part of a claim that you need to pay yourself. In other words, it's the amount that's deducted from the total you get from us. Deductibles are different depending on the type of claim (whether it’s for Collision or Upset, All Perils or Comprehensive).

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.

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.

You have coverage for a rental vehicle if you have the Loss of Use Endorsement on your policy.

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

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.

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.

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).

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.

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.

Students

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.

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.For instance, if you stay on your parents' policy, they possibly can 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.

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.

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.

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 in Quebec, 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 two first at-fault accidents. 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.

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.

Couples

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

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.

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.

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.

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

Established Family

If he/she takes driving lessons at a school that's approved by the Ministry of Transportation of Ontario (MTO), she may be eligible for a lower insurance rate. Also, if she's under the age of 25 and a full-time student at a recognized college or university in Ontario, she's eligible to save up to 10%.

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.

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.

automerit®

automerit FAQs

automerit FAQs for those who subscribed before august 13, 2018

Back to top

By continuing to browse this site, you agree to our Terms of Use and with our Privacy Promise. OK