As a result of the global IT outage we are currently experiencing delays in our ability to serve our customers. Services are being gradually restored and we expect to be fully operational in the next few hours. We apologize to our customers for the inconvenience.

Johnson is rebranding to belairdirect to offer an even more seamless customer experience. To learn more, click here.

Your roadmap to car insurance that's right for you

You can now get a quote online with belairdirect

Discover belairdirect

You can now get a quote online with belairdirect

Discover 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.

These are the standard car insurance coverages required by law in most provinces:

  • Liability

    We’ll protect you if you’re involved in an accident where you’re deemed liable. This includes coverage for damages made to

    another person or vehicle.

  • Uninsured Automobile

    We’ll provide coverage for injury or death caused by an unidentified or uninsured driver.

  • Accident Benefits

    You’ll receive benefits if you’re injured in an accident, no matter who caused it. This includes coverage for income replacement, medical

    expenses, benefits for non-earners, and more.

    This is an optional coverage in Newfoundland & Labrador.

  • Direct Compensation - Property Damage

    This provides coverage for damage to your vehicle if another person was fully or partly at fault for the accident. Even though someone else

    causes the damage, you collect directly from your insurer.

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
Disclaimer

Johnson Insurance is a trade name of Johnson Inc., a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and as Johnson Inc. in Manitoba.

Johnson Inc., belairdirect Agency Inc. and Belair Insurance Company Inc. share common ownership.

Visit Johnson Insurance - Quebec for plans available in Quebec.

®belairdirect. and ®Little Knight Design are registered trademarks of Belair Insurance Company Inc. We offer car insurance and home insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island and home insurance only in British Columbia. Certain conditions, limitations and exclusions apply to all our offers. Offers may change without notice. Not everyone will qualify for a phone or online quote. Insurance products provided by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. The group discount will be removed on renewal if the group arrangement ends or you stop being eligible as a group member.