Belairdirect Car Insurance Review (2026)

Belairdirect Insurance: The basics

• Founded: 1955 (71 years in business)
• Parent company: Intact Financial Corporation
• Underwriting companies: Belair Insurance Company Inc 
• Website: belairdirect.com
• Phone number: 1-833-644-7899
• Availability: Alberta, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec
• Car insurance products: Auto, seasonal vehicle insurance

What does belairdirect car insurance cover?

All belairdirect car insurance policies include coverage required by provincial law that pays for: 

• Other drivers’ medical bills and vehicle repairs if you’re found at fault in an accident 
• Your own legal costs if you’re sued due to an at-fault accident
• Medical, rehabilitation, and attendant care costs for you and your family regardless of fault 
• Your own medical bills and vehicle repairs if you’re struck by an uninsured or unidentified at-fault driver
• Repairs to your vehicle if it’s damaged by an identified at-fault driver

^{* Standard accident benefits may change following an update to Ontario’s mandatory insurance laws in July 2026.} 

^{** DCPD coverage is no longer required by law in Ontario, but you must waive the coverage in writing if you choose to remove it from your policy.} 

^{*** Coverage is not required by law, but can only be removed by contacting a Belairdirect agent.}

Optional belairdirect car insurance coverages and endorsements

While belairdirect’s coverage packages are fairly standardized, there are a few types of coverage that can be added, removed, or modified:

^{* Also known as Removing Depreciation Deduction (OPCF 43) or limited waiver of depreciation. Only available for brand-new vehicles.}  

^{** Only available to customers aged 50 or older.} 

Belairdirect’s online quote platform gives customers fairly limited customization options, but the following coverage types are listed on the company’s website and may be available if you speak with a belairdirect representative: 
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• All perils coverage, which combines collision or upset and comprehensive coverage with a single deductible and additional coverage for theft by a household member
• Specified perils coverage, a limited version of comprehensive coverage

Belairdirect car insurance discounts

Belairdirect offers at least eight discounts for auto insurance: 

• Home and auto insurance bundling discount: Belairdirect customers who combine car and home insurance policies may be eligible for discounts up to 20% on auto insurance. 
• Multi-vehicle discount: If you or other household members insure multiple vehicles with belairdirect, you can save up to 15%. 
• Online discount: If you purchase your policy online, you could save up to 10%. 
• Group discount: Members of professional and alumni groups could save on car insurance with belairdirect’s affinity discounts. 
• Student discount: In Ontario, full-time students under age 23 can earn a 10% discount on auto insurance. 
• Electric or hybrid vehicle discount: If you drive an electric or hybrid vehicle, you may be eligible for a discount of up to 10% off your auto insurance premium. 
• Winter tire discount: Customers who install winter tires on their insured vehicle from December 1 to March 31 each year can earn a small discount. 
• Anti-theft device discount: A discount may be applied to the comprehensive portion of your premium if your vehicle is equipped with an approved anti-theft system. 

Belairdirect may offer additional discounts, such as a clean driving record discount, but they don’t advertise these explicitly. 

Belairdirect’s usage-based insurance discount: automerit®

Belairdirect offers a usage-based insurance program called automerit®, which offers the chance to earn premium discounts by tracking driving habits in real time. Automerit also offers perks like fuel efficiency tips, crash assistance, recall notifications, and weather alerts.  
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• How it works: Automerit uses a mobile app to track your driving through GPS technology and motion sensors. You’ll need to drive at least 500 km to see an adjustment to your rate at your next policy renewal. 
• What it tracks: Phone usage, speeding, acceleration, braking, cornering, time of day, driving conditions, road types, number and duration of trips
• Activation discount: 10%
• Maximum discount: 40%
• Maximum potential penalty: 80%

How much does belairdirect car insurance cost?

On average, belairdirect car insurance costs around $350/month for an all perils policy with two cars and two drivers in their mid-40s. 

Your actual car insurance quotes from belairdirect could be higher or lower based on the following factors: 

• Location: Provincial coverage requirements, local traffic and climate risks, and theft rates in your area can all impact the cost of coverage. Suburban drivers generally enjoy the lowest premiums, while urban and rural drivers may see higher rates. 
• Coverage limits: The amount of coverage you select when purchasing your policy matters. Consider working with a broker to choose the right level of coverage for your needs and budget. 
• Age: Younger drivers pay more for car insurance, especially if they don’t qualify for belairdirect’s student discount. 
• Gender: Women typically pay slightly higher rates than men due to statistical risk factors. 
• Vehicle: Your vehicle’s age, make and model, safety features, theft risk, and other factors can impact your premium. 
• Driving history: Past tickets and accidents will raise the cost of car insurance from belairdirect.

Belairdirect car insurance cost: Family quotes

Belairdirect car insurance quotes for a married couple who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $351/month for all perils coverage and $392/month for high coverage.

Why are rates so high in Brampton?

Quotes for Brampton, Ontario brought up belairdirect’s average pricing significantly. Brampton is one of Canada’s leading auto theft hotspots, with over $43 million in theft claims in 2025 alone and a 565% increase in motor vehicle theft between 2017 and 2025 according to the Insurance Bureau of Canada. Because one of our sample vehicles, the Ford F-150, is a common theft target, quotes for this vehicle in Brampton are extremely high.

Other cities facing high auto theft rates and rising car insurance costs include Markham, Oakville, and Richmond Hill, all in the Greater Toronto Area.

Belairdirect car insurance cost: Quotes with a driving violation

Belairdirect car insurance quotes for a married couple with a single minor speeding violation who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $374/month for all perils coverage and $425/month for high coverage.

If you receive a minor driving violation while insured with belairdirect, you could see your rate go up by an average of 3–23% at your next policy renewal. 

The belairdirect car insurance claims process

If you need to file a car insurance claim with belairdirect, the process is outlined below. 

1. Document everything: The more information you can provide about the incident (e.g., collision, theft, or fire), the smoother your claim may be. Take photos and videos, make notes regarding the occurrence, and provide a police report if possible. 
2. File a claim promptly: Claims support is available 24/7. 
3. Belairdirect will establish fault: In the event of a collision, who’s at fault will determine which part(s) of your policy can provide coverage. Belairdirect’s adjuster will use provincial law to determine liability for damage. 
4. Get an estimate for repairs: belairdirect may send their own adjuster to produce an estimate, but you can also get estimates from an independent contractor to compare. 
5. Choose your repair shop: belairdirect may recommend a service centre from their preferred network, but you are not required to bring your car there. Choose the repair shop you trust most to complete the repairs in a safe and reasonable manner. If you need a rental vehicle during repairs, belairdirect will arrange it (if you have Autocomfort on your policy). 
6. Pay your deductible: You’ll pay the repair shop directly. Depending on the shop you chose, belairdirect may pay the remainder to the vendor or send you a cheque for reimbursement. 

If you make a claim with belairdirect, your insurance premium is likely to increase at your next policy renewal. Not-at-fault accidents and comprehensive claims are less likely to produce steep rate hikes than at-fault collisions.

How to file a belairdirect car insurance claim

You can submit a claim in three ways:

• Online: Log into the Client Centre
• Mobile app: Take photos or video of the damage and upload to the app
• Phone: Call 1-877-228-2656

Is belairdirect good for claims?

To get a sense of how satisfied belairdirect’s customers are with the claims process, we turned to Reddit forums to review discussions of their claims service. Overall, the feedback trended positive, with a few users reporting delays or communication problems.
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Belairdirect car insurance vs. other providers

Here’s how belairdirect compares to other major car insurance companies:

^{* Average monthly premium for an all perils policy for two drivers and two vehicles.} 

Is belairdirect car insurance right for you?

Belairdirect car insurance may be a strong option for drivers who prefer to buy car insurance directly online, with especially competitive discounts for homeowners and students in Ontario. 

As Intact’s direct-to-consumer brand, belairdirect combines the financial strength of a major insurer with the convenience of a digital platform. You can manage your policy, access insurance documents (including digital proof of insurance), and file claims through the belairdirect app. It’s a good fit for younger drivers with straightforward coverage needs, but homeowners and seniors also qualify for strong discounts.

FAQ: Belairdirect car insurance

This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.