Your roadmap to car insurance that's right for you
You can now get a quote online with belairdirect
Car Insurance
On top of being a legal requirement, getting the right car insurance protects you and your car in case of any emergencies.
It looks like we don’t offer car insurance in your province!
belairdirect is available in most Canadian provinces, but does not offer insurance in Manitoba, Saskatchewan, or the territories.
belairdirect is available in most Canadian provinces, but does not offer insurance in Manitoba, Saskatchewan, or the territories.
Already a customer?
Existing customers will continue to receive coverage until their policy expiry date.
Read our FAQs
It all starts with you
Where you live helps determine the insurance you need.
Visit Johnson Assurance - Quebec for plans available in QC.
Insurance that goes the extra kilometre
Choose physical damage coverage.
Comprehensive Coverage
This covers against fire, theft, vandalism, falling objects, windshield damage and other types of damage, not related to a collision.
Collision Coverage
This pays for damage caused by collision with another vehicle or object, or if your car rolls over.
All Perils Coverage
This covers your vehicle by combining Comprehensive and Collision coverages—and best yet, you’ll only pay one deductible.
Go the distance with these add-ons
Loss of Use
If your vehicle is getting repaired due to damage covered under your policy, we’ll get you a replacement or reimburse you for reasonable transportation costs.
Rental Vehicle
This covers damage to vehicles you drive, but don’t own—like a rental car. In some cases, you’ll also get access to other standard coverages.
Depreciation Waiver
A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim.*
Roadside Assistance
Popped tire? Locked out? Need a tow? Give us a call and we’ll get you help.
Enjoy more without paying more
Get these benefits with your car insurance, regardless of the coverages you choose.
24/7 Claims
Whenever you need us, we’ll be here to help. All day, every day.
First Accident Forgiveness
Available to eligible drivers because there’s a first time for everything, even accidents. With first accident forgiveness, your driving record at Johnson won’t change as a result.
What affects your rates
Here’s the insider knowledge on what we look for when determining your premiums.
Your vehicle
We look at your car’s make, model, cost of parts, and claims history to see how likely it is to be involved in an accident or stolen.
Where you live
With more people and vehicles on the road, living in a larger urban area could increase the likelihood of an accident.
How much you drive
Do you commute or drive to different locations for work? Or just now and then for convenience? How often you’re behind the wheel could affect your rates.
You
Your experience on the road and any previous driving accidents or convictions could affect your rates.
Optional coverage
Any optional coverages you select will affect your rates. We’re happy to work with you to find the coverages that suit your needs best.
Your deductible
The higher the deductibles you choose, the lower your insurance rates are. However, higher deductibles mean you pay more upfront if an accident happens, so it’s important to find the balance that’s right for you.
The changing world of insurance
Beyond your circumstances, there are external factors that affect insurance rates for all Canadians; like the rising number of claims. In general, claims are becoming more frequent and more expensive due to:
- The rise of extreme weather events and weather-related accidents
- Lower interest rates making cars more affordable—more cars on the road can lead to more collisions
- Increased instances of distracted driving, which can also cause collisions
- Vehicle technology advances increasing the cost of repair and part replacement