Belairdirect Car Insurance Quotes Reviews

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Belairdirect Car Insurance
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Since 1955, Belairdirect has been offering a whole selection of home and car insurance policies to Canadians. This is also the first Canadian insurance company to offer car insurance quote online to their customers from 1997. The Nordic Insurance Company of Canada and Belair Insurance Company Inc underwrites auto insurance policies for Belairdirect. Belairdirect Agency Inc provides insurance services and the headquarters are based in Toronto, Ontario. There are 2 more branches operating from the cities of Ottawa and North York. With more than 60 years of experience, Belairdirect has a large network of agents. These agents can help customers through a live chat session or just a phone call.

Belairdirect has always believed in technology and innovations and promoted a mobile application known as Bumpr. This application is compatible to be used with Android smartphones. It is free and alerts you when you exceed your speed over 20 km/hour. This is possible through the phone accelerometer that connects to the GPS technology when you are driving. This application also aims at reducing driving distractions by blocking notifications for incoming text and social media. With Belairdirect, your car will be insured even if you plan to travel outside Canada to U.S.  However, it will be subject to a certain time limit of 6 months and you need to inform Belairdirect about your trip plan. Belairdirect also has been approved to issue ridesharing commercial auto policies. You may also get commercial coverage for your car when you rent it through Turo, a marketplace for car rental.

Belairdirect Car Insurance Market Share Review

Belair Insurance Company Inc Market ShareQuarterYear
0.06%Q32016
0.06%Q22016
0.08%Q12016
0.08%Q42015
0.16%Q12015
0.08%Q42013
0.08%Q32013
0.06%Q22012
0.08%Q42011
0.11%Q22010
0.12%Q12010

 

2010-2011 Market Share Review

Belairdirect did not have any rate filings for the 3rd and 4th quarters of 2010. The market share for the 1st quarter of 2010 was 0.12%. This further reduced to 0.11% for the 2nd quarter of 2010. They did not apply for rate changes in the 1st, 2nd and 3rd quarters of 2011. The market share was low at 0.08% for the 4th quarter of 2011.

2012-2014 Market Share Review

There were no rate filings done for the 1st, 3rd and 4th quarters of 2012. The market share was just 0.06% in the 2nd quarter of 2012. They did not file for rate changes in the 1st and 2nd quarters of 2013. The market share was stable at 0.08% for the 3rd and 4th quarters of 2013.  They did not file for rate change approvals in any quarters of 2014.

2015-2016 Market Share Review

The Belairdirect Insurance did not apply for rate changes for the 2nd and 3rd quarters of 2015. They had a market share of 0.16% in the 1st quarter of 2015. This declined further to 0.08% in the 4th quarter of 2015. There is market share data available for the 4th quarter of 2016. The market share was stable at 0.06% in the 2nd and 3rd quarters of 2016. This was a drop in the market share from 0.08% in the 1st quarter of 2016.

Belairdirect Car Insurance Rate Changes Review

QuarterYearBelair Insurance Company Inc Rate Change Approved %
Q32016-0.44%
Q220160.06%
Q120160.00%
Q420150.00%
Q12015-4.27%
Q42013-3.85%
Q32013-0.99%
Q220120.00%
Q420110.80%
Q22010-2.57%
Q120103.17%

 

2010 – 2011 Rate Change Review

Belair Direct did not apply for any changes to their approved rates in the 3rd and 4th quarters of 2010. The rate change increased by 3.17% for the 1st quarter of 2010. There was a marginal decrease in rate change by 2.57% in the 2nd quarter of 2010. They did not file for changing ratings in the 1st, 2nd and 3rd quarters of 2011. The rate change marginally increased by 0.80% in the 4th quarter of 2011.

2012 – 2014 Rate Change Review

They did not file for rate change approvals in the 1st, 3rd and 4th quarters of 2012. The 2nd quarter of 2012 did not see any change in the rates. There was no rate filing done for 1st and 2nd quarters of 2013. There was a marginal decrease by 0.99% in the 3rd quarter of 2013. The 4th quarter of 2013 saw a big decrease in the rate changes approved by 3.85%. They did not file for any rate change approvals in 2014.

2015 – 2016 Rate Change Review

There were no rate filings done for the 2nd and 3rd quarters of 2015. The 4th quarter of 2015 saw no changes. The 1st quarter of 2015 saw 39 insurance companies filing for rate changes. They represented about 73.48% of the market. This declined to about 26 insurance companies filing for rate changes in the 4th quarter of 2015. That represented around 52.75% of the market. There was a huge decrease in the rate changes approved for the 1st quarter of 2015 by 4.27%.

In the 3rd quarter of 2016 around 25 insurers filed for rate changes and that represented 63.56% of the market. They represented a huge 83.36% of the market. An all-time high of 50 insurance companies filed for rate changes in the 1st quarter of 2016The rate filings data for the 4th quarter of 2016 is not available. The 1st quarter of 2016 saw no changes to the rates approved. There was a marginal increase by 0.06% in the 2nd quarter of 2016. There was also a minute decrease of 0.44% in the 3rd quarter of 2016. In the 2nd quarter of 2016, only 14 insurers applied for a rate change approval. That represented around 30.06% of the insurance market.

Belairdirect Car Insurance Quotes Review For the Same Car and Driver Profile Across Selected Cities

Insurance Quotes

CityBelairdirect Car Insurance Quotes Yearly*
Toronto$2,270
Ottawa$1,840
Mississauga$2,810
Brampton$3,610
Hamilton$2,390
London$1,930
Markham$2,790
Vaughan$3,390
Windsor$2,160
Sudbury$1,550

 

Belairdirect Auto Insurance Discounts

The auto insurance policy could benefit from many discounts offered by Belairdirect for eligible customers. Some of the discounts offered by Belairdirect on car insurance are:

  • By insuring your home and car insurance policy together
  • Insure more than 1 vehicle on the same auto policy
  • Increase the deductible amount
  • Being a safe driver with clean record
  • If you pay your premium annually in one lump sum amount
  • Auto merit discount: If you sign up for this program you may avail an enrollment discount of 5%. When you continue to use the program you may qualify for up to 25% in savings based on your good driving record.

Optional Coverage You May Consider Buying With Belairdirect

Belairdirect offers liability coverage, direct compensation-property damage, accident benefits, and Uninsured Motorist as part of the mandatory car insurance policy in Ontario. Apart from the standard coverage, you may also consider purchasing the following additional coverage from Belairdirect.

  • Autocomfort This coverage will help you to claim for expenses incurred due to a rental vehicle if your car is damaged or stolen. The maximum limit is up to $1500 per incident. You could also claim for emergency roadside services up to $50 per incident. If you damage a rental vehicle in Canada or U.S. you could claim for up to $45,000 on this coverage.
  • Accident Forgiveness If you had a good accident free driving record since 7 years with then your 1st at-fault accident may be forgiven. So your driving record stays protected.
  • Collision Insurance Coverage: You may claim for damages to your car if you have a collision. Examples include even a hit and run accident.
  • Comprehensive Insurance Coverage: The coverage helps you to claim for damages caused apart from collisions. Example: vandalism, fire.

Belairdirect Car Insurance Cancellation Policy

You can choose to cancel your car insurance policy any time. The refund amount if any would be calculated based on a short rate table. This means that the administrative fees would be deducted from your refund amount. You could call on 1800-387-1260 to let Belairdirect about the cancellation of your policy. Or you may email the cancellation request to service@belairdirect.com. If you wish to speak to one of the agents in person about the cancellation of your policy, you may visit one of the 3 branches in Toronto, Ottawa or North York.

Making Belairdirect Car Insurance Claim

The Belairdirect claims department is the only Canadian insurance that is ISO- certified for claims. They guarantee that you can start your claim in 30 minutes when you first call the claims support. They can be reached any day, anytime on 1877-228-2656. You can also track your claim progress online.

How Can I Get Belairdirect Car Insurance Quote

You could get a quote online or by calling 1844-849-2650. You could avail up to a 7% discount on a new base policy quote obtained online on their website.

Contact Methods For Belairdirect Insurance

Phone: You may reach Belairdirect on 1.888.280.8549 or 1888-280-9111 during weekdays between 7 am – 9 pm, Saturday 8 am – 5 pm.

Email: If you have any queries you may send an email to service@belairdirect.com.

Branches: Belairdirect has 3 branches operating out of Ottawa, Toronto and North York in Ontario.

Online: You can easily create an online login to access and manage your car insurance policy.


*Methodology

We surveyed Belairdirect car insurance Quotes in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in city downtown with owned Honda Civic 2012 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history and more. So, to get a customized quote, please visit Belairdirect car insurance quotation page.


Disclaimer

We are not affiliated and make no representations or warranties, recommendations or endorsements of Belairdirect Insurance. This article is our review of Belairdirect Insurance for information purposes only.  The logos, trademarks, and copyrights mentioned in this article belong to the Belairdirect Insurance.


References:

https://www.fsco.gov.on.ca/en/auto/rates/pages/default.aspx

http://www.belairdirect.com/en/why-belairdirect.html

http://www.belairdirect.com/en/pdf/oap1eng.pdf


 

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