Legal / Terms of Use

Agreement pertaining to the use of the web site

When you access the website (hereinafter called the “Site”), you accept and agree to be bound by and comply with the terms of use which are described on this page of the Site (hereinafter called the “Agreement”). Please take a few moments to become familiar with the terms of use. If you do not accept the terms of use, you should immediately discontinue the use of this Site.

Our companies

In British Columbia, Alberta, Ontario and Quebec, Belair Insurance Company Inc. is a damage insurance agency that distributes exclusively all insurances products underwritten by Belair Insurance Company Inc. ©2020 Belair Insurance Company Inc. All rights reserved.

For more information, please visit About belairdirect.


The information provided by us is believed to have been accurate and reliable when posted on the Site, but we cannot guarantee that the information available on the Site will be accurate or complete or current at all times.

These terms of use may be changed at any time without notice. You agree to review these terms of use regularly and, if you continue to use the Site following any such changes, agree to be bound by any new or revised terms of use.

The terms, exclusions and conditions of the insurance products mentioned on this Site are described in a detailed and complete manner. However, in case of any discrepancy between the insurance contract and the Site, the insurance contract will prevail.

Interpretation and Jurisdiction

If any provision of the Agreement, in whole or in part, is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any remaining provisions of the Agreement.

Access and use of this Site are subject to all laws and regulations applicable in Ontario, Quebec, British Columbia, Alberta, New Brunswick, Nova Scotia, and Prince Edward Island depending on the section that you are visiting.

Insurance products mentioned in this Site are sold in Quebec, Ontario, British Columbia, Alberta, New Brunswick, Nova Scotia, and Prince Edward Island only. Only residents of these provinces, who have reached the age of majority and who can validly be bound by an agreement under applicable laws can use this Site. It is your responsibility to determine if you can legally use the Site in compliance with all applicable laws.


You recognise that Internet is not entirely secure and the confidentiality of the information cannot be guaranteed. For more information on ways to do business online safely and securely, please read our guide on Online Security. We are not liable for any direct and indirect damages which may arise if you do not take the necessary steps to enhance your security when using the Internet for your transactions online.

'Unsubscribe' option

From time to time, we and our designated representatives let clients know about the various products and services available. If clients do not wish to receive written or electronic communications, they can choose to have their name, address, e-mail address and telephone number removed from our lists.


We use cookies to integrate the following third party services into this Site:

Cookies are small data files sent to your Internet browser that allow us and our third-party service providers to recognize you when you visit the Site. If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.

We use cookies for your convenience in order to allow us to recognize you when you return to the Site, to gather information about your use of the Site, to enable the functionality of certain services available through the Site, to maintain, monitor, protect, and improve the Site, and to integrate third party services into the Site.

Any website traffic data we collect may be shared with our parent company, Intact Financial Corporation, and our affiliates in the Intact Financial Corporation group of companies consistent with the purposes set out in our Privacy Promise.

We use the following cookies to integrate the following services into this Site:

Essential and functional cookies

Essential cookies are fundamental to the running of this website and cannot be switched off. Functional cookies ensure that the website works correctly and in a secure manner. Without these cookies, services you’ve asked for such as getting an insurance quote, using online discounts, logging into your account, or paying for and renewing your policy cannot be provided. These cookies allow our website to remember choices you make (such as your username, language, or the region you're in).

Cookies we use on this site

  • Adobe Experience Cloud (Adobe Analytics | Tag Manager)
  • Cloudflare
  • Google Fonts
  • Google Static Content
  • JQuery
  • JsDelivr
  • SalesForce Live Agent
  • Youtube Embedded Player
  • Website Cookies

Analytics Cookies

Analytics cookies allow us to improve the experience and performance of our website. They help us identify digital and behavioural issues experienced by visitors. The information we collect uses anonymous identifiers.

Cookies we use on this site

Marketing cookies

We use cookies, web beacons, pixel tags, and other technologies on our Site and other sites provided by the Intact Financial Corporation group of companies. These technologies let us deliver suitable advertisements about our products and services to you on various internet websites.

For example, cookies may be placed on your device when you visit our Site. These cookies can inform our advertising agencies and advertising networks that you have visited our Site. As you visit the websites of other companies in the advertising network, these cookies help our advertising agencies use Interest-Based Advertising techniques to predict which advertisements are likely to interest you based on your browsing patterns.

You can learn more about Interest Based Advertising and opt-out of Interest-Based Advertising on our sites by visiting the AdChoices Canada opt-out page.

Cookies we use on this site

Obtaining an insurance quote and purchasing or modifying an insurance policy online

This Site offers a secure way of obtaining a car and home insurance quote and purchasing or modifying a car insurance policy online. To allow us to process your request or to issue your policy, you must declare all known facts which are likely to materially influence us in the setting of the premium, the appraisal of the risk or the decision to provide coverage. In addition, you must provide information concerning your mode of payment (credit card or preauthorised debits). The information provided to us must be correct; otherwise it is possible that you will be unable to obtain an insurance quote or to purchase or modify an insurance policy online. Additional information may be required by our certified insurance agents over the phone in order to process or review your request.

In the event where you provide personal information regarding a third party, you confirm that such third party has authorised you to disclose such personal information to us.

You also agree that clicking on certain buttons stating “yes”, “next”, “confirm”, “continue” and any other similar descriptions, will constitute your signature and confirm your intention to purchase or modify an insurance policy online once you have received an acceptable quote. You agree to be bound by these terms of use and to pay the premiums and any applicable taxes.

Please note that any quote or premium provided through the Site is not guaranteed and may be reviewed with you over the phone by one of our certified insurance agents.

Electronic or paper documents

When you purchase a car insurance policy online, we give you the option to electronically access most of your insurance documents. Or, you can still choose to receive a paper copy of these documents by mail. If you choose online access only, you understand that these electronic documents may be used as evidence and will have the same force of law as if you had received them by mail.

By choosing electronic documents only, you agree that the email address you provided is your last known address as defined in the Quebec Civil Code or equivalent legislation. You are responsible for notifying us, in a timely manner, of any email address change.

Your Client Centre

To access your Client Centre and to complete an insurance transaction online, you will need your email address and password to enter the Site.

Your insurance documents will be available online in your Client Centre. We recommend that you save copies of your documents to keep a history of your transactions. This will allow you to consult them as needed, because only the most recent version of your documents will be available in your Client Centre.

Certain information in your Client Centre is presented in summary form. Users must always refer to their insurance policy for a complete description of their selected coverage.

Copyrights and Trademarks


The Site is protected by the Copyright Act, by the copyright laws of other countries and by International Agreements on such matters, and its content cannot be altered without infringing on Belair Insurance Company Inc.'s and the author's rights and his/her moral rights.

The texts, illustrations, graphics and images displayed on the Site are and will remain at all times the property of The Bank of Nova Scotia or Belair Insurance Company Inc. and/or the author(s), unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published, distributed, uploaded, broadcast or retransmitted, in whole or in part, as the case may be, without prior express permission from Belair Insurance Company Inc. and/or the author(s).

No content from the Site may be cited or transmitted to newsgroups, mail lists, or electronic bulletin boards, blogs, or incorporated into any other internet site nor may links be created to this Site without clearly indicating the source and address of the Site and without the prior written consent of Belair Insurance Company Inc.


Certain names, words, titles, expressions, phrases, logos, icons, graphics or designs or other content in the pages of the Site are, as the case may be, trade names or trademarks of The Bank of Nova Scotia or of Belair Insurance Company Inc. and its affiliated companies.

belairdirect and are trademarks of Belair Insurance Company Inc. This list is not exhaustive and can be modified at any time and without notice.

Scotia, Scotia Home & Auto, Scotia Insurance BNS Insurance Agency,, and are trademarks of The Bank of Nova Scotia.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site can constitute trademarks or trade names, registered or not, property of third parties and may be used under licence. The display of trademarks and trade names on pages at the Site does not imply that a licence of any kind has been granted to anyone else. The users are not permitted to use these marks or names without express consent from Belair Insurance Company Inc. or from the third party proprietor of these marks or names. Any unauthorised downloading, re-transmission, or other copying or modification of trademarks, trade names or the content of the Site is strictly forbidden and may be a violation of any federal, provincial or other law that may apply to trademarks and/or copyrights and give rise to legal action.


We do not represent or warrant that the Site will be available or will function without interruption or that it will be free of errors. In addition, we do not represent or warrant that the use of the Site, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other disruptive components or that your use of the Site and its content will not infringe the intellectual property or other rights of any third party.

We completely disclaim all liability arising from the use of the information contained on this Site by you or any user. Further, and without limiting the generality of the foregoing, in no event shall we be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising from the use of the site, its interruption or any error, omission or inaccuracy in any way connected with its content.

Links to other sites

Links from or to Internet sites outside this Site are meant for your convenience only. The owners of the outside sites manage their content which are not reviewed, nor approved by us. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites.

You access these sites at your own risk. We cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the Site or of other sites connected to the Site by hyperlink.