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belairdirect Car Insurance Quotes in Ontario

Compare your car insurance quote from belairdirect with other leading insurance providers in Ontario.

Compare belairdirect quotes with other top providers in Ontario

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Economical
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Written By Taras Trofimov

Updated

About belairdirect

Named after the 1950s vehicle Chevrolet Bel Air, belairdirect has been selling car insurance since 1955. Though it was founded in Quebec, it was acquired by Intact Financial Corporation (IFC) in 1989 and now serves over 900,000 customers across Canada, including Ontario. It has about 1,450 employees both inside and outside the country, working alongside more than 10 other IFC-owned brands.

An industry innovator, belairdirect continuously endeavours to streamline the customer experience through new technologies and initiatives. In fact, in 1997, it became the first car insurance provider in North America to offer quotes online. In 2017, it also launched a mobile app to further expand its online experience. Its ‘Little Knight’ mascot, introduced in 2011, has become almost synonymous with the brand – similarly to GEICO’s Gecko mascot. In addition, belairdirect markets itself as being flexible on price, offering competitive rates alongside a wide range of discounts, bundles and rewards.

Read on if you’d like to learn whether belairdirect suits your car insurance needs. Alternatively, you can shop around for the cheapest premium by comparing car insurance quotes for free from over 50 providers with RATESDOTCA.

Recent Ontario auto insurance quotes

Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Female, Age 30
2024 HYUNDAI TUCSON N-LINE HEV 4DR AWD
June 15, 2024
Cheapest Quote
$ 542 / month
$6,500 / year
Average Quote
$ 731 / month
$8,770 / year
Savings
$ 189 / month
$2,270 / year
or
25.88 %
Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 31
2006 HONDA PILOT EX 4DR 2WD
June 14, 2024
Cheapest Quote
$ 215 / month
$2,579 / year
Average Quote
$ 271 / month
$3,248 / year
Savings
$ 56 / month
$669 / year
or
20.60 %
Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 31
2013 LEXUS ES 350 4DR
June 14, 2024
Cheapest Quote
$ 256 / month
$3,072 / year
Average Quote
$ 312 / month
$3,749 / year
Savings
$ 56 / month
$677 / year
or
18.06 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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Ways of saving with belairdirect

Given that one of belairdirect’s primary directives is to help customers save money, regardless of their coverage, it offers several options that will let you do just that, including:

automerit

This mobile service is part of belairdirect's usage-based insurance solution. When the app is activated, it monitors your driving habits in real time, including your acceleration, speed, turning and braking, allowing belairdirect to offer you a personalized premium whenever your auto policy renews.

The safer you drive, the more you will save on your premiums – up to 25%. Note that the opposite is possible as well – if you’re a risky driver, your premiums will go up.

Multi-vehicle discount

By insuring all your household’s vehicles under belairdirect, you can secure a multi-vehicle discount of up to 15%.

Car and home insurance bundling

If you’re looking to insure both your home and car, it’s always a good idea to do so under the same insurer. You will not only be able to save time by dealing with one company but save money as well. With belairdirect, you can save up to 10% on your home insurance and up to 20% on your car insurance.

Insurance for 50+

If you’re over 50 years old, you might just have a decent driving record and tons of driving experience. You might also be a proud homeowner. Or both. If so, belairdirect can help you make sure your insurance premiums don’t increase as you age via its special suite of products and rates, including:

  • Waiver of deductible: In the event of a total loss or a hit-and-run, belairdirect will waive up to $1,000 of your deductible.
  • No obligation to rebuild: Should your home become completely lost, you can choose to receive its replacement-cost value without having to rebuild your home, letting you choose what to do next.
  • Accident forgiveness: If your driving history is spotless, belairdirect will ‘forgive’ your first at-fault accident by keeping your premium the same upon policy renewal.
  • S.O.S. identity theft protection: If you end up becoming a victim of identity theft, belairdirect may reimburse you up to $25,000 for the costs tied to restoring your identity. With an additional identity theft endorsement, you could save up to 50% in total. Furthermore, there is no deductible when making a claim via this service.

Insurance for young families and couples

If you and your partner are between the ages of 18 and 35, then you’re considered to be a young couple – whether you live together, planning to live together, married or planning to get married. belairdirect will work with you to ensure you get the best coverage to meet your needs for the lowest cost possible. To get started, belairdirect suggests exploring the following options:

  • Tenant insurance
  • Insurance bundling
  • Multi-vehicle insurance

Group program

If you are a group member with belairdirect, either as an employee or a member, you can access even more savings, including the ability to combine discounts and partake in contests with special prizes.

Student insurance

One of belairdirect’s major aims is to demystify home and car insurance by helping students choose the best coverage for their needs – and save money in the process. Its agents are trained to work closely with students to accommodate their various lifestyles, age groups and challenges.

belairdirect online services

Given that belairdirect has been one of the first insurance companies to offer online services in North America, it now has a full suite of online capabilities, including:

  • Claim submissions: You can submit and track claims 24/7 in just a few clicks (or taps) via either belairdirect’s online Client Centre or mobile app.
  • Client Centre: Using belairdirect’s Client Centre, you can access all of your insurance documents, request roadside assistance, add a driver to your policy, update your home address, submit and track claims 24/7, procure your digital proof of insurance and save your license plate.
  • Mobile app: with belairdirect’s mobile app, you can utilize the same functionalities as those found in the Client Centre, but on the go. This includes access to policy management, documents, billing, claims, digital proof of insurance and roadside assistance (if it’s included in your coverage). You can further enhance this experience with automerit – belairdirect's usage-based solution.
  • Roadside assistance: If you require roadside assistance, you can access it either via belairdirect’s Client Centre or mobile app.

Other insurance products belairdirect has to offer

Though belairdirect is best known for its car insurance, that’s not all it has to offer. It also offers:

Home insurance

You can get coverage for your property from belairdirect if you live in Ontario, Quebec, Alberta or British Columbia. As is the case with car insurance, there are plenty of discounts and benefits for every kind of home and homeowner.

belairdirect provides the following types of home insurance:

  • Homeowner insurance: If you own a duplex, triplex or detached home, belairdirect will protect both your property and belongings.
  • Condo insurance: Like the homeowner insurance, this will cover your property – meaning the condo unit – and personal belongings.
  • Tenant insurance: Since many landlords require tenant insurance, it’s often unavoidable – whether you’re renting an apartment or a house. Unlike condo or homeowner insurance, tenant insurance covers your personal belongings only, as the unit itself will be protected by the landlord’s insurance.

Seasonal insurance

Seasonal insurance is like car insurance, except that it covers recreational or ‘seasonal’ vehicles, such as snowmobiles, ATVs, fifth wheels and travel trailers. Vehicles like these usually spend a decent chunk of time in storage – until the appropriate time of year warrants their usage. Fortunately, belairdirect's coverage accounts for this, meaning that you won’t have to cancel your insurance when you’re done enjoying your recreational vehicle. The benefit of this is that while the vehicle is in storage, it’s still protected from perils such as fire or theft.

belairdirect contact information

General inquiries

Need to contact belairdirect with questions or concerns about your auto insurance? Here’s how to reach them:

Branches

  • Toronto branch
    1100-700 University Ave
    Toronto, ON M5G 0A1
    Toll-free phone: 833-447-2451

  • North York branch
    400-2255 Sheppard Ave East
    North York, ON M2J 4Y1
    Toll-free phone: 833-447-2451

Service centres

  • Ottawa service centre
    1837 Woodward Dr
    Ottawa, ON K2C 0P9
    Toll-free phone: 877-228-2656

  • Toronto service centre
    64 Fordhouse Blvd
    Etobicoke Toronto, ON M8Z 5X7
    Toll-free phone: 877-228-2656

  • Aurora service centre
    23 Allaura Blvd
    Aurora, ON, L4G 3N2
    Toll-free phone: 877-228-2656

  • Hamilton service centre
    198 John St S
    Hamilton, ON L8N 2C6
    Toll-free phone: 877-228-2656

  • Waterloo service centre
    165 Weber St S
    Waterloo, ON, N2J 2B1
    Toll-free phone: 877-228-2656

Claims

You can file insurance claims with belairdirect 24 hours a day, seven days a week, online or over the phone.

  • Claims toll-free phone
    877-228-2656

Complaints

If you have a complaint, the first thing belairdirect recommends doing is speaking to the representative at the department involved, such as a certified agent, claim adjuster, manager or supervisor. Details of your complaint, policy or claim numbers, supporting documents, dates and names of the employees you’ve interacted with will go a long way toward helping you resolve the issue.

If the issue ends up unresolved, however, you can escalate the complaint to belairdirect’s Customer Experience team. One of their agents will then assign your file to a Customer Relations Representative for review. Once the review is done, the representative will either reach out to you directly to discuss what can be done regarding the issue or send you a written message.

Here’s how you can reach belairdirect’s Customer Experience team:

  • Mail: belairdirect
    Customer Experience Team
    400-2255 Sheppard Ave E
    Toronto, ON M2J 4Y1
  • Email: customer.experience@belairdirect.com
  • Toll-free phone: 866-405-6763

If the Customer Experience team does not resolve your issue, you can escalate it to the Ombudsman’s office at belairdirect. It will then conduct an independent and impartial investigation of your complaint and try to settle the issue between you and belairdirect. You can reach Ombudsman’s office by contacting them at:

  • Mail: Ombudsman’s office
    700 University Avenue, Suite 1500A
    Toronto, Ontario M5G 0A1
  • Email: ombudsman@intact.net
  • Toll-free phone: 866-302-5094

In case the latter option fails, you can contact the following as a last resort:

General Insurance OmbudService (GIO)

  • Mailing address
    4711 Yonge Street, 10th Floor
    Toronto, ON M2N 6K8

  • Phone, fax, email
    Toll-free phone: 877-225-0446
    Fax: 416-299-4261
    Email: info@giocanada.org

Frequently asked questions about belairdirect

Need more information on belairdirect? We got you covered.

Who is belairdirect owned by?

belairdirect is a subsidiary of Intact Financial Corporation (IFC), the largest provider of property and casualty insurance in Canada. It was acquired in 1989. In addition to belairdirect, IFC owns and features several other brands, including Johnson Insurance, Intact Insurance, BrokerLink Insurance and RSA, with the goal of helping individuals and businesses alike stay financially resilient regardless of the economic circumstances around them.

Does belairdirect have insurance?

Absolutely. belairdirect exists for the sole purpose of providing Canadians with insurance. It specializes in car and home insurance, as well as seasonal insurance, which covers recreational vehicles like snowmobiles, ATVs, fifth wheels and travel trailers. It also has a wide selection of online options to allow customers to always stay connected to its services.

Where is the belairdirect Auto Centre?

belairdirect has multiple auto or service centres across Ontario. That way, instead of going to your local shop, you can turn get your vehicle back on the road after filing a claim at such a centre, making your auto claims experience faster and more convenient.

To make use of belairdirect’s service centre, you just need to take these steps:

  • File your auto claim to a claims representative at belairdirect and have them determine if any of their service centre locations are a good fit for your needs.
  • Take your car to a service centre and get a rental car from them, so you can drive while your own car is being repaired.
  • Get your vehicle back once the repairs have been completed and return to driving.

To find a belairdirect service centre nearest to you, consult our list of belairdirect service centres.

Alternatively, you can look up a service centre near you on belairdirect’s website.

What can I do if my auto insurance premium at belairdirect is going up?

If your belairdirect insurance premium is going up, there are several routes you can take to secure a cheaper rate. While not all of the factors affecting your insurance are under your control, such as new government regulations or inflation, plenty of them are.

With that in mind, here’s what you can do to save money on your auto insurance at belairdirect:

  • Compare auto insurance quotes online using websites like RATESDOTCA. After all, belairdirect’s rate may not be the cheapest one on the market, so it’s best to check out other insurers to ensure you’re getting the best price possible.
  • Increase your deductible to $1,000 or higher to lower your premium. Remember, if you do this, you’ll have to pay more out of pocket should your vehicle suffer major damage or loss.
  • Cut down on unnecessary add-ons, so you only pay for the coverage that will actually benefit you, not waste your money.
  • Drive responsibly and safely to avoid getting traffic tickets or getting into accidents, keeping your driving record clean and your history claim-free.
  • Bundle your car and home insurance coverages together under one provider to not only simplify your payment process but lower your premiums – in some cases, by almost a quarter of the overall cost.
  • Buy a new vehicle that scores high in crash tests and has low theft ratings. Vehicles of every year, make and model have their own Canadian Loss Experience Automobile Rating (CLEAR), which indicates how expensive it will be to insure. When shopping for a vehicle, take this rating into account.
  • Make your car safer and less likely to be lost or damaged for one reason or another by implementing safety features like winter tires, anti-lock brakes, driver assist and an anti-theft alarm system. Doing so will significantly reduce the likelihood of having to file a claim, lowering your premiums in the long term.
  • Enroll in driving courses to not only become a better driver but decrease your premiums, since you will signal to belairdirect and other insurers that you’re less likely to get into an accident or file a claim.
  • Pay on time to save money on late fees and lower your insurance premiums.
  • Move, if you can, as some areas have more expensive premiums than others due to factors such as crime rates and traffic density. Check out how expensive your area is using the RATESDOTCA Insuramap.
  • Consider belairdirect’s automerit mobile service, which will track your driving habits via your mobile device, thereby helping you lower your premiums upon policy renewal – if you’re deemed a safe driver. Note that your premium may go up if your driving habits turn out to be too risky.

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