Car insurance for Canadian drivers
Looking for car insurance in Canada? You’re in the right place!
Auto insurance, more ways to save
Car insurance doesn't have to be complicated
We offer customized insurance plans to drivers like you all across Canada – from Alberta, Ontario, Quebec, and all the way to New Brunswick, Nova Scotia, and P.E.I. Enjoy fantastic features at amazing prices, with a streamlined online experience that makes buying car insurance easier than ever.
Car insurance, simplified
Quick quote
Get a personalized quote in minutes and buy checkout insurance online in an instant. It's easy and will only take a few minutes of your time.
Smart features
Access smart digital features anytime in the belairdirect app, and get free perks to help keep you safe on the road.
Best prices
We offer some of the competitive car insurance rates in Canada. Get the best deal on your car insurance with lots of ways to save.
What kind of car insurance coverage do you need?
Your province must follow different sets of rules and standards with their car insurance. It is our duty to apply them and ensure your safety on the road. Looking to level up? You can also choose from our wide range of insurance options based on your car, lifestyle and budget.
Mandatory coverage
Your province has mandatory car insurance coverage that is required by law for all drivers.
Civil Third Party liability coverage
Pays for damage done to others or damages to your car when you’re not at-fault for the accident. Pays for property damage or injuries to others when you cause an accident.
It covers:
- material damage caused by your car in an accident that you caused
- damage caused by others to your car in an accident
- medical bills for anyone you injure if the accident happens outside of Quebec, or in the United States
Quebec’s public automobile insurance plan (The SAAQ) pays for injuries regardless of who’s responsible for the accident. You can choose a coverage amount of $1,000,000 or $2,000,000 based on your needs.
It covers:
- legal fees and lawsuit settlements
- property damage caused by your car
- medical expenses and lost income of anyone you injured
Accident Benefits Insurance
Provides financial compensation, including medical expenses, if you're hurt or killed in a car accident.
Covers medical costs, rehabilitation costs and provides financial compensation for injury or death caused by an accident.
It covers you and your passengers for:
- medical and rehabilitation expenses that aren't covered by a government or private health plan
- home care expenses
- financial compensation in case of death or loss of a limb
- funeral expenses
It covers:
- medical and rehabilitation expenses that aren't covered by a provincial health plan
- lost income if you can't work due to the accident
- funeral, home care and grief counselling expenses
Uninsured automobile coverage
Covers injury and damage to your vehicle following an accident caused by an uninsured vehicle.
It covers:
- financial compensation if you are hurt or killed by a hit-and-run or uninsured driver
Direct Compensation Property Damage
Pays for damage to your car and the property inside it when someone else causes the accident.
It covers:
- cost to repair or replace your car and any property inside it
- rental car or transportation costs while your car is being repaired
Standard coverages
Get additional protection for damage to your vehicle with these standard auto insurance coverage options.
Collision and or Upset
Pays for repairs to your car when you're responsible for hitting someone or something with your car.
Pays for repairs or replacement costs when you hit something on the road.
It covers:
- collision with another car
- hitting an object
- collision with a person or an animal
- car flips over
- damage caused by an uninsured or hit-and-run driver
- hit-and-run accident
All Perils other than Collision or Upset Comprehensive coverage
Covers broken glass and all damage not related to a collision or if your car flips over.
Pays for repairs when your car is damaged by something other than a collision or upset.
It covers:
- broken glass
- theft, attempted theft, vandalism
- storms and natural disasters
- accidents involving an animal
- damage caused by falling trees or other objects
- fire and explosion
All Perils
Combines Collision or Upset and Comprehensive coverage.
It covers:
- damage caused by falling trees or other objects
- theft, attempted theft, vandalism
- collision with another car
- accidents involving a person or animal
- broken glass
- storms and natural disasters
- fire and explosion
Specific Specified Perils
Protects your car against specific types of damage and theft.
It covers:
- theft, attempted theft
- storms and natural disasters
- fire and explosion
Optional coverages
Extend your auto insurance to match your driving style and your car with these optional add-ons.
Accident Forgiveness
Prevents the price of your insurance from going up as a direct result your first two at-fault accidents.
belairdirect roadside assistance®
Provides 4 emergency services per membership year when you run into trouble on the road.
It covers:
- towing (within 50 km from the breakdown location)
- spare tire installation
- locksmith services
- gas delivery (up to 10 L)
- removal of your car from a ditch
- battery boost
Available in Canada and the United States only
Autocomfort®
Offers several options to expand your protection in case of an accident.
Offers coverage options to expand your protection in case of an accident.
It covers:
- reimbursement for a rental car after an accident involving your car
- damage to a rented or borrowed car
- no out-of-pocket deductible to pay after a hit and run
- no out-of-pocket deductible to pay when your car is a total loss
- person who drives a car borrowed or rented in your name
- increases your death benefits fund (Accident Benefits Insurance) if you or your spouse are killed in an accident
Collision and upset and All Perils other than Collision or Upset coverages are required to be eligible for Autocomfort.
It covers
- cost of a rental car after an accident involving your car
- damage to a rented car
Available in Canada and the United States.Collision or upset and Comprehensive or Specified Perils, or All Perils coverages are required to be eligible for Autocomfort.
Replacement cost protection New car protection
Replaces your car with a new car with similar specifications, accessories and equipment, if the car is stolen or damaged beyond repair.
Also known as Removing Depreciation Deduction (OPCF 43)
Removes the depreciation deduction from the value of the car when it’s damaged or a total loss.
It's covers:
- financial compensation or replacement of your car with a new car with similar specifications, accessories and equipment
For 4 years maximum
It covers:
- financial compensation towards the cost of a car, without deducting depreciation
Getting a car insurance quote has never been easier!
Our online quote tool is here to help you choose insurance coverage that suits your budget.
Smart digital perks
With the belairdirect app, you get so much more from your car insurance. Manage your insurance anytime and access proof of insurance on the go. Get a personalized premium based on your driving habits with automerit, as well as smart digital features that help keep you safe on the road.
Learn more about the belairdirect mobile app