Belairdirect Review (May, 2024) – Services, Pricing, Pros & Cons

This Belairdirect Review wishes to give you an in-depth and concise understanding of this insurance company’s products and services. This Canadian insurance company “Belairdirect” is known for providing car and home insurance directly to Canadians and has been in existence for 60 years.

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Last Updated: May 12, 2024


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Belairdirect is one of Canada’s insurance companies, offering complete car and home insurance policies to citizens and legal residents in Canada.

Its services include personal and commercial insurance coverage for cars, properties, liabilities, and many more. Belairdirect rates range between $128/month and $1,805 per year premium, with discounts ranging from 5% up to 25%.

In this Belairdirect Review, we will lay bare everything you need to know about this casualty and property insurance company. We’ll cover everything from its products and services to the features, pros, cons, rates, and discounts.

Is Belairdirect good?

Well, for an insurance company to be termed “good,” it must possess features and qualities to claim that title. This applies to all insurance companies, including Belairdirect.

First off, Belairdirect has at its fingertips 60 years of experience providing car and home insurance to Canadians. This puts them ahead of their competitors in terms of experience and knowledge.

Secondly, this company is licensed with the Insurance Bureau of Canada (IBC). They also belong to the Automobile Protection Association (APA), with enough licensed insurance agents readily available online and a few on-site to assist clients. All these speak to the quality of service delivery.

Other perks include easy accessibility, affordability, good customer service, smooth claim processes, and customizable features. So, Yes! Belairdirect is a good fit for anyone looking to acquire car or home insurance.

Belairdirect insurance products

Here are the various insurance policies offered by Belairdirect:

  • Belairdirect Car Insurance
  • Belairdirect Home Insurance
  • Belairdirect Travel Insurance
  • Belairdirect Tenant Insurance
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What is Belairdirect car insurance?

This section of our Belairdirect Review focuses on one of its insurance policies, which is car insurance. Belairdirect car insurance provides a comprehensive car coverage service that can be personalized to suit customers’ needs and budgets.

Belairdirect Car Insurance Coverage

  • collision or upset
  • accident benefits
  • uninsured automobile insurance
  • roadside assistance
  • new car coverage
  • waiver of depreciation
  • emergency travel
  • direct compensation for property damage
  • third-party liability coverage
  • comprehensive coverage
  • combined and specified peril coverage
  • accident forgiveness
  • auto comfort coverage

Belairdirect Car Insurance Exclusions

  • Wear and tear as a result of a lack of maintenance
  • Illegal activities
  • Racing
  • Losses or damages as a result of intentional acts
  • Vehicles used for commercial purposes aren’t covered.

What is Belairdirect home insurance?

Belairdirect’s home insurance policy protects homeowners from financial losses due to unforeseen events that may damage their homes, properties, and belongings.

Belairdirect Home Insurance Coverage

The types of home coverage offered by Belairdirect include:

  • Homeowners insurance coverage
  • Condo owner’s insurance coverage
  • Tenant Insurance Coverage (for renters)

Other related coverage includes:

  • Liability coverage
  • Home claim forgiveness
  • Identity theft insurance protection
  • Dwelling coverage
  • Personal property coverage
  • Detached structure coverage

Optional coverage includes:

  • Earthquake coverage
  • Water damage coverage
  • Sewer backup coverage

Belairdirect Home Insurance Coverage Exclusions

This type of coverage typically doesn’t cover the following:

  • Intentional damage
  • Lack of maintenance
  • Property damage due to commercialization
  • Earthquake damage
  • Flood damage

Standard home insurance doesn’t cover flood and earthquake damage. However, Belairdirect offers these as optional coverage that can be added to your premium.

What is Belairdirect travel insurance?

Belairdirect’s travel insurance policy protects Canadian travellers from financial losses due to flight cancellations, health emergencies, luggage losses, and trip interruptions.

Features of this coverage policy include:

  • Comprehensive coverage up to $10 million, including medical insurance
  • Flexible annual packages for frequent travellers
  • Travel medical insurance coverage for single and multi-trip
  • 5% companion discount
  • 10% annual renewal discount
  • Unstable pre-existing conditions coverage
  • Choose coverage options between $10,000 and $300,000.
  • Additional coverage for your furry companion
  • Customizable
  • COVID-19 insurance
  • Trip cancellation and interruption insurance
  • Accident, death, and dismemberment insurance
  • Baggage insurance
  • Car rental protection
  • Emergency hospitalizations and medical treatment coverage for visitors to Canada

What is Belairdirect tenant insurance?

You may not be a homeowner, but your rented space is also your home. So,  whether it’s a rented house, an apartment, or a condo, it’s important to protect yourself with tenant insurance. This covers you and your belongings against possible liabilities.

Belairdirect Tenant Insurance Coverage

  • Personal property coverage
  • Additional living expenses
  • Personal liability coverage for tenants

Your landlord’s home insurance only covers the building in which you live, not your properties. In case of liability, theft, or damages, you would be at a loss if you weren’t already covered by tenant insurance.

Pros and cons of Belairdirect

No company is without its strengths and limitations, and this also applies to Belairdirect. So, to strike a balance in this Belairdirect review, we’ll have to explore not just its pros but also its cons:

Pros of Belairdirect

  • Uber ridesharing coverage
  • Affordable
  • Quality customer service
  • Customized coverage options
  • Easy accessibility anywhere and anytime on the Belairdirect mobile app. You can gain access with your Belairdirect login details.
  • round-the-clock customer service
  • Discounts and rewards are available.
  • easy claim process

Cons of Belairdirect

  • Limited coverage
  • Only available in Canada, with key operations in Alberta, Ontario, and Quebec
  • High-risk clients may get higher rates.
  • slightly higher rates compared to competitors

Features and perks of Belairdirect

Certain perks keep a client glued to an insurer. Some of the key features of using Belairdirect insurance coverage for either your home or car include:

Features of Belairdirect

  • Easy online quotes
  • Personalized coverage
  • Competitive rates that help you save money
  • 24/7 claim service availability
  • Rewards and discounts
  • Easy accessibility with a mobile app
  • Bundling options are available.
  • Licensed insurance agents give out expert advice to clients for informed decision making
  • The simple and fast claim process
  • good financial strength

Belairdirect Discounts and Rewards

There are several discounts and rewards available when using Belairdirect insurance products. These include:

  • Multi-Vehicle Discount: Save 15% on your premium when you insure two or more vehicles.
  • Senior Citizens Discount: For drivers with good driving records, Belairdirect gives you a certain discount, which is available when you get a quote.
  • Bundle Discount: You can save up to 15% on both insurances when you bundle them up. For example, your car and home insurance.
  • Student Discount: Belairdirect gives a certain discount to students who are under 23 years of age with auto insurance. Get a quote to find out more.
  • Safe Driving and Low Mileage Discount: Well, this has a lot of advantages, including a 15% discount on car insurance for being a good driver. Get an extra 15% off if you drive less than 10,000 kilometres per year. Also, an additional 10% off for signing up.
  • Group Discount: Clients that are part of Belairdirect group programs are entitled to a certain percentage discount.

Belairdirect Insurance Rates

Belairdirect insurance rates depend on your policy, lifestyle, and province. You can expect to pay a full monthly coverage premium in the range of $128 to $352. However, with a good driving record, you can expect to pay a $1,805/per year premium.

Belairdirect Automerit

So, let’s talk about the Belairdirect Automerit Review. Belairdirect Automerit is part of its insurance packages and offers you customizable discounts based on your driving habits and records. This helps you save up to 25% on your premium as you drive.

It is completely free to sign up for the Belairdirect Automerit program. All you need is an iOS or Android device and a cellular data service for tracking and collecting location information. With these, you are eligible to enjoy the rewards and discounts that come with this program.

How to apply for insurance coverage at Belairdirect

In this section of the Belairdirect Review, we’ll show you the step-by-step process of applying for insurance coverage at Belairdirect. You can follow this process to buy yourself any Belairdirect insurance products.

  • Visit the Belairdirect website.
  • Select the type of insurance that best suits your needs.
  • Do thorough research on the insurance coverage you want to buy.
  • Click on “Get my quote in a few clicks.”
  • Here, you can choose to bundle up policies, select a single policy, or call an agent at 1-833-332.7852
  • You’ll need to provide your information, including your name, address, and phone number.
  • Fill out an insurance application. This contains detailed information about your car or home, including make, model, and location.
  • Choose your deductibles and coverage options.
  • Review and submit your application.
  • Wait for approval.
  • Upon approval, you’ll need to make payments.
  • After making payments, you’ll receive your policy documents via email or mail.

How to contact Belairdirect car insurance

You can contact Belairdirect for several reasons, which include:

  • Applying for coverage
  • Get a quote.
  • Policy renewal
  • Track a claim
  • Manage payments and billings.
  • Technical support
  • General inquiries

The Belairdirect phone number to call is 1-833-332.7852. You can also chat with an agent on the Belairdirect contact page.

Belairdirect insurance alternatives

If, after going through this Belairdirect review, your preference wasn’t found, you may want to check out these alternatives to Belairdirect Insurance:

Belairdirect vs Square One

This insurance company offers home insurance policies to Canadians at lower and more affordable rates, earning 845 points on satisfactory ratings.

Features of Square One

  • Coverage for home, condo, and tenants
  • Premium starts at $18 per month.
  • 24/7 emergency service claims
  • Available both online and offline
  • Ads available to boost coverage
  • Affordable rates
  • Customizable

Limitations of Square One

  • Not available in all provinces

Belairdirect vs Apollo Insurance

Apollo offers several home insurance options, which include homeowner’s insurance, renter’s insurance, student rental insurance, condo insurance, rental property insurance, and renovation insurance.

Features of Apollo Insurance

  • 100% online
  • Home and rental coverage
  • 829 satisfactory ratings
  • Protection against fire, crimes, and so on
  • $12 per month for premium
  • Affordable and Customizable
  • Free online quotes

Limitations of Apollo

  • Not available in all provinces

Belairdirect review conclusion

Our extensive Belairdirect Review hails this Canadian company as a great option for buying a car or home insurance policy. It offers a simple online application process that you can complete in a few minutes.

Some of its constraints include slightly higher rates compared to its competitors, which are not available in all provinces. However, aside from this, Belairdirect Insurance is a great choice for Canadians looking to insure their cars and homes.

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FAQs about our Belairdirect review

Who owns Belairdirect?

Belairdirect is a casualty and property insurance company that has been operating in Canada for over 60 years. It is a subsidiary of Intact Financial Corporation, which is the largest provider of property and casualty insurance in Canada and a publicly traded company. This means that it's not owned by a single individual but by a group of shareholders.

How much does car insurance cost in Canada?

The cost of car insurance varies depending on significant factors, such as the driver's age, driving record, province, type of vehicle, and coverage limits. On average, car insurance costs $1,500 per year. The minimum can be $900, and a maximum of $2,500.

Why is Belairdirect so cheap?

Belairdirect is considered cheap by the majority of its users because of the variety of rewards and discounts available. You can get $50 to $100 off your monthly premium for being a member of CAA. Also, you can get 15% off your premium with a good driving record.

How to cancel Belairdirect insurance?

To cancel any Belairdirect insurance policy, you must make a termination request over the phone. You'll be notified of the termination date and your remaining balance. Note that a cancellation request has to be made 30 days in advance. Finally, there is a $200 to $250 cancellation fee.

Is Belairdirect a Canadian company?

Yes, Belairdirect is a Canadian company. It was first established in 1955, then became an Intact Financial Corporation company in 1989, and launched its website in 1995.  This Canadian casualty and property insurance company provides Canadians with direct car and home insurance.

Are there discounts offered at Belairdirect?

Yes, for those on a budget, Belairdirect car insurance offers discounts to drivers with good driving records. Also, when you bundle up policies or have certain safety features installed in your vehicle, you are entitled to a discount, the least of which is 5% and up to 25%.



May 13, 2023
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