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Please note: All information about belairdirect Car Insurance has been collected independently by Finder and this product is not available through this site.
If you’re looking to compare car insurance plans or switch to a reliable online provider, you might like to check out belairdirect. This innovative company is working to make car insurance more accessible to Canadians living in select provinces.
Learn what types of belairdirect auto insurance are available for you to purchase and apply for a quote to find the plan that’s the best fit for your budget.
What is belairdirect car insurance?
belairdirect is an insurance company that helps save you money by rewarding you for safe driving. All you need to do is sign up for its mobile app, automerit, to monitor your driving in real-time. Then, you’ll be eligible for discounts based on the data you transmit.
belairdirect also offers different levels of auto insurance coverage based on your unique set of needs and budget. These include third-party liability, collision and comprehensive coverage. The price you’ll pay for each type of insurance will depend on a number of factors like your age, driving record, vehicle type and claims history.
What types of belairdirect car insurance can I get?
belairdirect offers multiple levels of insurance to make sure you get the coverage you want at a price that fits your budget.
Third-party liability. Covers expenses for other drivers involved in a collision with you if it’s deemed to be your fault.
Collision. Protects you from financial losses if you need to repair or replace your own vehicle following a collision.
Comprehensive. Pays for your vehicle in the case of damage due to fire, theft, vandalism and other threats.
Accident forgiveness. Maintains your low premiums after your first at-fault accident if you have a clean driving record.
Roadside assistance. Covers you for unexpected emergencies and incidents where you need towing, flat tire change, gas delivery or a battery boost.
Accident benefits. provides compensation, regardless of fault, if you, your passengers or pedestrians suffer injury in an automobile accident.
Direct compensation. Covers the damage to your car and everything in it if you’re ever in an accident that’s not your fault.
Uninsured motorist. Covers you if you’re in an accident with a driver who doesn’t have insurance or if you can’t identify the vehicle.
All perils. Combines Collision and Comprehensive coverage.
Specific perils. Protects your car against specific types of damage (storms, natural disasters, fire and explosion) and theft or attempted theft.
Are there any special add-ons available?
You may be able to optimize your plan with special add-ons based on your preferences and your budget.
Autocomfort coverage. Offers extra coverage options to expand the protection of your car in case of an accident.
New car protection.Removes the depreciation deduction from the value of the car when it’s damaged or a total loss.
What exclusions do I need to know about?
belairdirect car insurance outlines any exclusions that may apply to its policies in clear language. Keep an eye out for some of the following as they may void your coverage.
Illegal activities. You typically won’t be covered if you’re doing something illegal when you get in an accident, such as driving with a suspended licence.
Unapproved use. You won’t be able to claim accidents that happen while you’re driving for work if you don’t specify that your vehicle is used for commercial purposes.
Failure to report an accident. You could void your claim if you don’t report accidents within the timeframe specified in your policy.
Lack of routine maintenance. You might not be approved for a claim if you fail to schedule preventative maintenance on your vehicle.
Fraudulent losses. You won’t be reimbursed for any claim that you make fraudulently.
Can I get any discounts on my belairdirect car insurance?
belairdirect offers a number of ways to save on its car insurance – provided you know how to cash in on discounts. You may be eligible to use the following strategies to bring down your monthly premiums:
Track your driving habits. Sign up for belairdirect’s mobile app to track your safe driving habits and save up to 25% on your monthly premiums.
Bundle your insurance. Get home and car insurance from belairdirect to save money on your car insurance policy.
Insure multiple vehicles. Insure more than one vehicle with belairdirect auto insurance to get discounts on your whole fleet.
Maintain a clean driving record. Show evidence that you’ve been claims-free for many years to shave money off your premiums.
Stay ticket free. Avoid speeding tickets and other traffic violations to get discounts on your monthly insurance costs.
Take advantage of demographics. Get special discounts if you’re a student, have a family or are an experienced driver (age 50+).
Pay a higher deductible. Pay more when you have to make a claim to reduce your month-to-month costs.
What do customers say about belairdirect car insurance?
belairdirect is seen as a reputable independent insurance company by many Canadian consumers. One of its best features is its innovative online mobile app that tracks your driving habits in real-time to offer big discounts. Many customers are also happy with the relative ease of the claims process.
Despite positive feedback, belairdirect also has several negative reviews on independent insurance review sites like InsurEYE. In particular, customers complain about the lack of customer support and are upset by limited communication surrounding rate hikes and policy cancellations.
How to apply for belairdirect car insurance
If you’ve done some research and you think belairdirect car insurance is the right fit for you, you can follow a couple of steps to apply.
Use the online application to provide personal information like your name, email address, proof of ID and relevant documents.
Review and submit your application.
Get verified and negotiate the terms of your belairdirect auto insurance.
How to contact belairdirect
If you want to file a claim or ask questions about the details of your policy, you can contact belairdirect by phone at its general number, 1-844-757-2925. You can also send belairdirect an email on its website if you don’t have time to wait on hold. Just make sure to include your personal information and policy number for faster service.
If you want to file a car insurance claim, you can submit and track your documents in minutes through your belairdirect online account. You can also use this platform to consult or change your coverage, add a new car or driver to your insurance, manage your payments and renew your policy.
Benefits and drawbacks of belairdirect car insurance
Special offer. For a limited time, save up to $500 on your car insurance when you switch to belairdirect and meet certain criteria.
Quick application. It’s easy to get a quote online and buy car insurance in a matter of minutes using belairdirect’s user-friendly application.
Many coverage types. You can customize the amount of belairdirect auto insurance you get to meet your unique set of needs and budget.
Premium add-ons. It’s possible to pay a higher monthly premium to get special add-ons like underinsured motorist protection, roadside assistance and rental car insurance.
Easy claims process. All you need to do to file a claim is call belairdirect or sign in to your online account to start the claims process.
Potential for discounts. You may be able to get discounts for reasons like being claims-free, bundling your insurance or insuring multiple vehicles.
Innovative mobile app. It’s possible to track your good driving habits through belairdirect’s mobile app to secure up to 25% off your premiums.
Only available in select provinces. You’ll only be able to qualify for belairdirect auto insurance in Alberta, Prince Edward Island, New Brunswick, Nova Scotia, Ontario, Quebec, and Newfoundland.
No online pricing. belairdirect doesn’t have a set pricing list that you can access online, so you’ll have to request a quote to find out how much you’ll pay.
Some exclusions apply. You may not be covered for certain eventualities, like if an uninsured driver gets into an accident while using your vehicle.
Need to pay for extras. You’ll have to pay a higher monthly premium if you want additional forms of insurance.
Mixed customer reviews. While there’s some positive feedback, belairdirect car insurance has a low rating on several insurance review sites.
Rate hikes and cancellations. Many customers complain about a lack of communication surrounding rate hikes and unexpected policy cancellations.
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Bottom line
belairdirect offers affordable car insurance coverage with the opportunity for big discounts when you track your good driving habits with its innovative mobile app. You can apply for a quote with this company in a matter of minutes, and it’s quick and easy to customize your plan according to your needs and budget.
That depends on what type of coverage you want and how much you’re willing to pay. There are basic plans and premium plans with different levels of protection. You’ll also pay different amounts based on a number of factors like what type of car you have and whether you have a clean driving record. Your driving performance on belairdirect’s mobile app can also affect your coverage.
You can! There are a number of ways to get discounts on your belairdirect car insurance depending on which province you’re applying from. Some of the best ways to save on your insurance include bundling insurance products, insuring multiple vehicles and maintaining claims-free status.
It’s easy to file a claim with belairdirect auto insurance by calling into its customer service team. You can also send an email to get answers to any general questions you may have about the claims process.
You’ll have the best chance of getting approved for your claim if you know what you’re supposed to be covered for. You should also make sure you make a log of any accident you have, including taking pictures and involving the police where necessary. This will make sure you have enough proof to support your claim.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
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