Car insurance for Canadian drivers

Looking for car insurance in Canada? You’re in the right place!

Auto insurance, more ways to save

Online savings

Save even more on your car insurance when you get a quote online!

Bundle Car + Home

You can save up to 10% 25% on your home insurance and up to 20% 15% on your car insurance when you combine both policies!

You can save up to 15% when you combine your home, condo, or tenant insurance and car insurance with us.

Multi-vehicle discount

The more the merrier! If you're a household with more than one vehicle, you could get a multi-vehicle discount of up to 15%.

The more the merrier! If you're a household with more than one vehicle, you could get a multi-vehicle discount of up to 10%.


Get a personalized premium based on your driving habits with automerit. The safer your drive, the more you could save!

Electric vehicles

Eco-friendly choices reduce your insurance payment as well as your emissions. Save up to 20% when you drive a hybrid or electric vehicle.

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.

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.


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.


Uninsured automobile coverage

Covers injury and damage to your vehicle following an accident caused by an uninsured vehicle.


Direct Compensation Property Damage

Pays for damage to your car and the property inside it when someone else causes the accident.

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

Learn more about direct collision and upset


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.


All Perils

Combines Collision or Upset and Comprehensive coverage.


Specific Specified Perils

Protects your car against specific types of damage and theft.

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.

Learn More about accident forgiveness


belairdirect roadside assistance®

Provides 4 emergency services per membership year when you run into trouble on the road.



Offers several options to expand your protection in case of an accident.

Offers coverage options to expand your protection in case of an accident.


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.

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.

Weather Icon
Severe weather alerts
Crash Assist Icon
Crash Assist
Pink Slip Icon
Pink Slip
Car Care Icon
Car Care

Learn more about the belairdirect mobile app

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