All car insurance

No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
“Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
All Perils protection combines both of the above coverages.
Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
Car Insurance Coverage Based on Your Vehicle
Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.

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Car Insurance Coverage Based on Your Driving Habits
Do you commute every day, or save your driving for weekends? Are you running errands or carpooling?

Good driving record?

Intact Insurance rewards good drivers with our Responsible Driver Guarantee®*, which means your first at-fault accident is on us.
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Minor Conviction Protection
Do you ever worry about how a minor conviction, such as a speeding ticket, could impact your car insurance premium? With Minor Conviction Protection, you’ll have peace of mind knowing your first minor conviction won’t affect your premium.
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my Driving DiscountTM
Some people have better driving habits than others. That’s why we have our my Driving Discount program that rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium.

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Uber Ridesharing
If you are an Uber driver in Ontario, Intact now provides a commercial policy that covers you from the instant you make yourself available to accept an Uber ride request, to the moment passengers exit your vehicle.
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Turo Car Sharing
Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo — an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.
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Get the best value for your money with car insurance and home insurance bundles from Intact Insurance
One bill. One payment. One renewal date. It’s that easy!

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Savings and payments on your car insurance
At Intact Insurance, we treat each person as an individual.

We work with local, independent brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.

We offer a variety of convenient payment options to help make it easier to manage your payments.
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Car Insurance Claims
No one wants to be involved in an accident, but if you need to make a car insurance claim we’ll get you through the process as quickly and efficiently as possible.

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30 Minute Claims Guarantee
When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.
With belairdirect, getting the right amount of coverage for your car is easier than you think.

If you’re looking for car insurance, you’ve come to the right place. Here, when you start with a free online car insurance quote, you end up with valuable peace of mind.

Save Up To 25% On Your Car Insurance
Great news for good drivers! You can save up to 25%* on your car insurance. Switch to belairdirect and get the respect and savings you deserve. It’s car insurance made easy!

Sign up for the automerit® program to reap the rewards. You will get a 5% enrollment discount just for signing up. Learn more about automerit®.

Find other ways to save on your insurance.

Car Insurance 101
Are you new to car insurance? Or just want to know a little more about it? We’re here to help.

Discover how car insurance works

Mandatory Car Insurance Coverages
Third Party Liability
Uninsured Motorist Coverage
Accident Benefits
Accident Benefits are the true no-fault coverage which means that you are eligible, regardless of who is at fault in the accident. There are several benefits included in this car insurance coverage:

Medical Payments
Death Benefits
Grief Counseling
Funeral Benefits
Total Disability Income Benefit
Optional Car Insurance Coverage
Most customers choose to carry additional car insurance coverage for their peace of mind.

Accident Forgiveness
Collision or Upset
Comprehensive
All Perils
Specified Perils
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Alberta Car Insurance
Third Party Liability
Protects against claims for damage to property or injury caused in a car accident, including court defense and investigation fees and legal fees assessed against you by the courts.

Limits required by law
Minimum coverage required by law: $200,000.

Optional Coverage Limits
$1,000,000 or $2,000,000. Lower limits are available.

Uninsured Motorist Coverage
Compensation if an insured person is injured or killed by an uninsured motorist or a hit-and-run driver.

Limits required by law
Minimum coverage required by law:Included in the standard policy.

Medical Payments
Coverage for expenses for treatment and rehabilitation after injury that are not covered by the provincial health plan, including assessment costs (e.g., physiotherapy, dental expenses, professional nursing, etc.).

Limits required by law

$50,000 per person;
maximum $750 for chiropractic care,

$250 for massage therapy,

$250 for acupuncture.

Death Benefits
A one-time payment to the surviving spouse and/or dependants.

Limits required by law

$10,000 for the loss of the head of the household or a spouse/partner,

Up to $3,000 for the loss of a dependent relative depending on age;

Plus survivor spouse/partner or dependent relative gets $15,000 for the first survivor and $4,000 for each remaining survivor.

Grief Counseling
Reimbursement for grief counseling services if an insured person dies as a result of a car accident.

Limits required by law
Up to $400 per family after death of any one person.

Funeral Benefits
Funeral expenses if death of the insured person is caused by an automobile accident.

Limits required by law
$5,000 per person.

Total Disability Income Benefit
Reimbursement for lost earnings if an insured person suffers an injury and is unable to work for the period of the disability.

Limits required by law
Employed: 80% of gross pay up to $400 per week for up to 104 weeks.

Unemployed person 18 years or older: $135 per week from up to 26 weeks.

Accident Forgiveness*
Protect your good driving record at belairdirect and keep your premium from going up as a direct result of your first at-fault accident. When you’ve got Accident Forgiveness, you can rest assured that your good driving record and your premium are protected for as long as you are with belairdirect. Your good driving record should be rewarded, and that’s exactly what happens.

See eligibility criteria
Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

Collision or Upset
Coverage against damage to the insured car when the insured person is partially or completely at fault, including collisions with other cars or objects, single-vehicle accidents and rollovers. Also, coverage when the insured vehicle is damaged by a hit-and-run driver or an uninsured driver.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

Comprehensive
Coverage against damage to your auto caused by fire, theft, vandalism, and other risks.

All Perils
Coverage against all perils, unless excluded, which combines the benefits of collision and comprehensive coverage.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

Specified Perils
Coverage for damage caused by perils listed in the policy, including fire, theft, hail and others.

Optional Coverage Limits
You can choose a higher deductible to help lower your premium or a lower deductible.

This is an overview of some of the benefits for which you may be eligible for and is for informational purposes only. Some conditions and restrictions may apply. Please refer to your auto insurance policy, contact us for full details of the coverage.