Belairdirect is the direct arm of Intact Financial, and specializes in affordable auto insurance, but it also carries other personal lines such as home and auto coverage. Since being founded in 1955, belairdirect has been able to attract customers from all over Ontario thanks to benefits such as:

Founded 1955
Headquarters Anjou, Quebec
Employees 1700+ (2016)
Products in Canada Auto, Motorcycle, Recreational Vehicle, & Home Insurance
Provinces Licensed AB, BC, NB, NL, NS, ON, PEI, QC

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Company Overview

  • A strong balance between the benefits of decades of experience and the use of modern technology
  • Being a low-cost insurance provider that focuses on developing comprehensive solutions for each client
  • Having a website that acts as a strong resource for clients to get information and take action on their account
  • A history of accomplishments such as an award-winning call center and being recognized as the first Canadian insurance company to offer interactive services online

The focus at belairdirect is on home and auto insurance for personal lines customers. The company underwrites its own policies along with help from the Nordic Insurance Company of Canada. The customer service at belairdirect is enhanced by the fact that all of its call center personnel are licensed insurance agents, and the company works through a large network of professional brokers.

Belairdirect Advantages

The insurance experts at belairdirect have spent the company’s history innovating the insurance industry and finding new ways to improve customer service. The company also has a history of being recognized for its excellent human resources practices, which helps with the level of customer service that much more. Customers continue to seek out coverage from belairdirect because of significant benefits such as:

  • Technological Innovations – The belairdirect website was launched in 1995, and the company started offering the country’s first interactive online insurance transactions in 1997. The company has become known for its strong sense of innovation and its insistence that customers have online access to every aspect of account management.
  • Dedication to Solutions – Belairdirect enjoys earning business through hard work and developing innovative insurance solutions. Along with its vast network of brokers, the underwriters at belairdirect are more interested in creating viable insurance coverage options for clients as opposed to trying to put together a flashy sales presentation.
  • The Rely Network – There are insurance companies that have preferred repair contractors for auto insurance, but the belairdirect offers a large network of auto and home repair experts for customers to choose from. The Rely Network is a direct result of the company’s policy of offering as many resources for its customers as possible. Contractors and repair shops that are part of the Rely Network are held to higher standards that include making belairdirect policy holders priority customers.

Belairdirect’s Insurance Products

Throughout its history, belairdirect has been careful to focus on the insurance products that are its strengths. Because the company prefers to develop a smaller group of strong coverage options, customers find that they can get customized solutions that fit their every need.

Belairdirect Auto Insurance

The strength of the belairdirect line of insurance products is its car insurance coverage. The company has standard coverage that comes with every policy, options to enhance your protection, and discounts to help lower the cost of your car insurance. In addition to standard coverage such as Liability, Accident Benefits, DC-PD, and Uninsured Automobile Coverage, belairdirect offers extended coverage, including:

  • The Autocomfort package that adds roadside assistance and rental car expenses to your standard coverage
  • Accident Forgiveness that stabilizes your insurance premiums and offers roadside assistance
  • Collision repair coverage
  • Comprehensive coverage that protects your vehicle from theft, vandalism, and other property damage issues

To save money on premiums, the company offers its belairdirect program which rewards drivers for having consistently good driving habits.

Belairdirect Auto Insurance Rate Changes, 2010 – Present (What’s this?)

Belairdirect Rate Changes vs. Avg Rate Changes For Ontario Market

Seasonal Vehicle Insurance

Belairdirect offers insurance coverage for seasonal vehicles such as:

  • Snowmobiles
  • ATVs
  • Fifth wheels
  • Travel trailers

Belairdirect Home Insurance

Ontario homeowners have several coverage options to choose from with belairdirect. The company offers insurance for homeowners, condo renters and owners, and tenants. Belairdirect’s enhanced home insurance coverage includes:

  • Home insurance claim forgiveness that rewards customers for limiting the number of claims they make
  • Earthquake coverage

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Belairdirect Reviews


  1. Avatar
    Gabe S-Reply
    July 29, 2018 at 7:27 am

    We were with Canadian Direct Insurance since 1998 right up until they were bought by Intact-belairdirect a few years ago, at which point our premiums went up by about 15% almost immediately. Both my wife and I haven’t had a single claim in over 20 years together, and yet somehow belair decided to do a credit check on us without permission after all those years of clean driving. Ridiculous!

  2. Avatar
    August 8, 2018 at 4:05 pm

    they offer online rates, then print application to mail back. why have a website if you have to mail application back? service not good.

  3. Avatar
    August 30, 2018 at 11:38 am

    I always made up for my payments but now I get a registered letter saying I’m cancelled. So offensive. Not even a grace period of a couple of months to pay. They don’t care about working with you, only your money.

  4. Avatar
    November 22, 2018 at 1:45 pm

    Been with this company almost 10 years. They applied with The Financial Services Commission of Ontario to increase rates and I guess they got the green light as ours jumped 39%!! Have never made a claim either. New customers should be aware of this considering their advertising!! It almost seems like current customers are subsidizing the new ones.

  5. Avatar
    January 9, 2019 at 11:53 pm

    BelAir only thinks MONEY
    not people which we expect.
    my advice to any one who is still with them find fast another Insurance.

  6. Avatar
    March 12, 2019 at 5:11 pm

    With Grey Power for about 6 years. They merged with Belairdirect.
    Price for auto ins. increased considerably. Didn’t shop around, stayed with them. (Big mistake!) This year (2019) they want huge increase ($1097 vs. $928 last year for a 2004 Chevy Cavalier!!) – no changes in status: same vehicle, driver (10-star rating), loyalty discount, same location (apartment in Kitchener). No accidents, no tickets.
    A company of price gougers who ruthlessly exploit a captive market (= people who won’t shop around and compare).
    Forget their ads; they are the WORST!!!!

  7. Avatar
    May 28, 2019 at 2:59 pm

    This company is just awful if you have a claim. Avoid them like the plague

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