You could save on your car insurance

It pays to switch your car insurance to belairdirect

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automerit®: the newest feature of our mobile app that rewards safe driving

With belairdirect, your optional car insurance requires the use of the automerit program. Monitor your driving in real time, track your progress and you could be rewarded. Innovation meets simplicity.

With belairdirect, getting the right amount of coverage for your car is easier than you think. If you're looking for car insurance, you've come to the right place. Are you looking for car insurance in Toronto or do you want a specific auto insurance in Ottawa that fits your needs? We have the right plan for you.

Here, when you start with a free online car insurance quote, you end up with valuable peace of mind.

Good driving habits put you in control of your premium automerit: a program that rewards your safe driving Be in Control

It’s simple: the safer you drive, the more you could save.

When it comes to saving on car insurance, you're in the driver's seat. It's simple: the safer you drive, the more you could save.

belairdirect is introducing a new kind of insurance made to reward your safe driving behaviour. Every time you drive safely is an opportunity to save up to 25%

Every 6 months, your car insurance price will be updated based on your safe driving behaviour, to make sure you are getting the best price you deserve. There are still other pricing factors, and your price may increase with high-risk driving. But you are in control over what you pay for your car insurance, and 3 out of 4 drivers earn a discount.

To get insurance with belairdirect, you must have a data-connected iPhone running iOS 10 or higher, or an Android device running version 5.1 or higher.

For full program details here Learn more about automerit

Standard Mandatory Car Insurance Coverages in New Brunswick Nova Scotia Prince Edward Island

Third Party Liability

Protects against claims for damage to property or injury caused in a car accident, including court defense and investigation fees and legal fees assessed against you by the courts.

Limits required by law
Minimum coverage required by law: $200,000$500,000.

Optional Coverage Limits
$1,000,000 or $2,000,000. Lower limits are available.

Direct Compensation – Property Damage (DCPD)

If you’re ever in an accident that’s not your fault, Direct Compensation Property Damage (DCPD) may cover the damage to your car and everything in it. Let’s say you get into a collision and it’s the other driver’s fault. Your car gets damaged so you make a claim to your insurer. It’s your insurer who pays for the damages. There’s no lawsuit between the drivers in this situation. If the other driver is only 50% at-fault, DCPD will only cover 50% of the damage to the car, the things in it, and the loss of use.

To view the standard Ontario Automobile Policy (O.A.P.1), please click here.

Allows you to collect directly from your own insurer for damages to your car when someone else is responsible for the accident.

Allows you to be compensated directly by your own insurer for damages to your car when someone else is responsible for the accident

Limits required by law
Included in the standard policy with a $0 deductible.

Optional Coverage Limits
Choice of a $0, $300 and $500 deductible.

Uninsured Automobile Motorist Coverage

If you’re injured in an accident, your Uninsured Automobile Coverage protects you for two scenarios. The first is if you’re in an accident with a driver who doesn’t have insurance, and the second is if you can’t identify the vehicle; for example, if you’re a victim of a hit and run.

Compensation if an insured person is injured or killed by an uninsured motorist or a hit-and-run driver, and for damage to the vehicle and its contents caused by the owner or driver of an uninsured automobile.

Limits required by law
Minimum coverage required by law:Included in the standard policy.

Accident Benefits

Accident Benefits are the true no-fault coverage which means that you are eligible, regardless of who is at fault in the accident. There are several benefits included in this car insurance coverage:

Medical and Rehabilitation Benefits Payments

Coverage for expenses for treatment and rehabilitation after injury that are not covered by the provincial health plan, including assessment costs (e.g., physiotherapy, dental expenses, professional nursing, etc.)(e.g., prescription medications, physiotherapy, counseling, wheelchair)(e.g., prescription medications, physiotherapy, nursing services, occupational retraining).

Limits required by law
$50,000$25,000 per person;
time limit is 4 years.

maximum $750 for chiropractic care,

Death Benefits

A one-time payment to the surviving spouse and/or dependants if an insured person dies as a result of a car accident.

Limits required by law
$50,000$25,000$10,000 for the death of the head of the household,
plus $1,000 to each dependent survivor after first;
$25,000$10,000 for the death of a spouse/partner;
$5,000$2,000 for the death of a dependant.

Funeral Expenses Benefits

Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law
$5,000 per person.
$2,500.
$1,000.

Loss of Income

Compensation for lost income if the insured person is unable to work.

Limits required by law
80% of gross income up to $250$140 per week.
Time limits: 104 weeks for partial disability, lifetime for total disability.
Unemployed principal housekeeper: up to $100$70 per week for up to 5212 weeks.

Optional Car Insurance Coverage Offered in British Columbia

Accident Forgiveness*

Protect your good driving record at belairdirect and keep your premium from going up as a direct result of your first two at-fault accidents. When you've got Accident Forgiveness, you can rest assured that your good driving record and your premium are protected for as long as you are with belairdirect. Your good driving record should be rewarded, and that's exactly what happens.

Optional Coverage Limits
*Accident Forgiveness is available through Responsible Driver Guarantee.
*Accident Forgiveness is available through Responsible Driver GuaranteeResponsible Driver Guarantee

Collision and or Upset Insurance Coverage®

If your car gets damaged because you've collided with something (like a light post, guardrail, or other car), the cost of repairs can really add up. Collision and upset Coverage could cover the cost of those repairs, so you don’t have to pay for those repairs out of your own pocket. You may only need to pay the deductible.

*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.

Coverage against damage to the insured car when the insured person is partially or completely at fault, including collisions with other cars or objects, single-vehicle accidents and rollovers. Also, coverage when the insured vehicle is damaged by a hit-and-run driver or an uninsured driver.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

Limits required by law
You can choose a higher deductible to help lower your premium or a lower deductible.

Comprehensive Insurance Coverage*

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got Comprehensive Coverage.

Coverage against damage to your auto caused by fire, theft, vandalism, and other risks.

*Certain conditions, limitations, and exclusions apply. Contact an agent for more details.

All Perils other than collision or upset Insurance Coverage

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got All perils other than collision or upset Coverage.

Coverage against all perils, unless excluded, which combines the benefits of collision and comprehensive coverage.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

Specified Perils

Coverage for damage caused by perils listed in the policy, including fire, theft, hail and others.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

This is an overview of some of the benefits for which you may be eligible for and is for informational purposes only. Some conditions and restrictions may apply. Please refer to your auto insurance policy, contact us for full details of the coverage.

Deductibles

The deductible is a specific sum deducted from a loss that you need to assume. This is figured out when you purchase your coverage. With belairdirect, deductibles apply to Collision and Comprehensive claims. There are no deductibles for liability claims. You may select your own deductible for you Collision and Comprehensive coverage. Generally, selecting a higher deductible could help to lower your premium. belairdirect continues to offer low deductibles, with Collision deductibles starting at $300 CAD, and Comprehensive deductibles as low as $200 CAD.

Your insurance pal for the road

Whether you’re looking to stick to the basics or to level up your car insurance, you’ve come to the right place! On top of the mandatory car insurance coverages required to hit the road in your province, you can choose from our wide range of insurance options based on your car, lifestyle and budget.

Mandatory auto insurance

You are required by law to have Civil Liability Coverage no matter what car you drive.

You are required by law to have Liability Coverage, Accident Benefits Coverage, Uninsured Automobile Coverage and Direct Compensation – Property Damage no matter what car you drive.

You are required by law to have Liability Coverage, Accident Benefits Coverage, and Direct Compensation – Property Damage no matter what car you drive.

Mandatory

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.

Mandatory

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.

Mandatory

Uninsured automobile coverage

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

Mandatory

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.

Standard

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

Standard

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.

Standard

All Perils

Combines Collision or Upset and Comprehensive coverage.

Standard

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.

Optional

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

Optional

belairdirect roadside assistance®

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

Optional

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.

Optional

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.

Ready to compare your current premium or get new car insurance coverage?

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