Belairdirect Car Insurance Quotes Ontario


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About belairdirect insurance

Since 1997, belairdirect has been a destination for Canadians looking to buy property and casualty insurance directly online. In fact, the company claims to be the first in the country to sell car insurance on the web. Today, it offers car and home insurance in most provinces, serving 900,000 customers.

Belairdirect bills itself as a technologically forward company that has simplified buying insurance and made it easy for consumers to manage their policy once they have it. It is a subsidiary of Intact Insurance.

Ways to save with belairdirect

Belairdirect has several products that could help you reduce your insurance bill.

Usage-based insurance  

Belairdirect's automerit® program promises fairer pricing based on your driving habits. It's an app that monitors your driving. It also gives you feedback on improving your driving, fuel efficiency and reducing CO2 emissions.

Drivers who score well (i.e., they demonstrate safe driving) could see their premiums reduced when their policies renew at the end of the term; belairdirect advertises discounts of up to 25%. However, drivers could see their rates increase if the app detects unsafe driving habits.

Here are the things that the automerit® program tracks:

  • Speed
  • Smoothness
  • Focus (not checking your phone when the car is in motion)
  • Where, when, and how much you drive

Bundling discount 

Belairdirect also advertises its discount for bundling home and car insurance, which means a discount for purchasing home and auto insurance from belairdirect.

Belairdirect says customers could save up to 20% by bundling, which is higher than what most other companies advertise for bundling (usually 15%).

Belairdirect also provides multi-vehicle discounts: 15% off on car insurance when you insure all vehicles with them.

Optional insurance products for experienced drivers 

Belairdirect also appears to court seasoned drivers by claiming to offer special rates for drivers aged 50 and over. It also advertises specific products as being beneficial drivers in this age range:

  • Waiver of Deductible: You don't have to pay a deductible if you are in a hit-and-run or experience a total loss
  • Accident Forgiveness: Your first at-fault accident won't increase your rates at renewal

Other insurance products offered by belairdirect

Car insurance isn’t the only coverage belairdirect offers. Here’s what else you can insure with belairdirect (bundling car and home can garner discounts of up to 20%, it claims).

Home insurance 

Condo, tenant, and home insurance is available to homeowners in Quebec, Alberta, Ontario, and B.C.

Recreational vehicle insurance

Vehicles you only use seasonally on unconventional terrain are categorized as recreational vehicles. Here are some examples:

  • Snowmobiles
  • ATVs
  • Fifth wheel campers
  • Travel trailers

Online services provided by belairdirect

Belairdirect is a direct writer of insurance, which means consumers can purchase insurance coverage from the brand online without dealing with — or even speaking to — a sales agent. Direct writers have a stable of insurance agents on hand to answer questions by phone, email, or direct message, but for the most part, belairdirect operates entirely online.

It also means consumers can fully manage their policies online through an app. There are two tiers of the belairdirect app, basic and premium.

You can do the following on the basic app:

  • Manage your policies
  • Access your insurance policy contract
  • Access your digital proof of insurance
  • Manage your billing details
  • Make claims

If you upgrade to the premium version of the app (doing so is free), you can:

  • Access the automerit® program, which is supposed to deliver personalized premiums to registrants.
  • Access metrics about your driving (safety, fuel efficiency, and eco-driving).
  • Access the Crash Assist program, a feature that automatically detects whether you've been involved in a severe crash and provides the following services:
  • Connecting you with emergency services through the app.
  • Provide guidance on what to do before and after you leave the scene.
  • Provides pre-filled out forms to exchange with the other driver
  • Connecting you with towing companies through the app.
  • Alerts about severe weather.