As a renter, your goal is pretty simple: protect what you own without overpaying for tenant insurance. That might be why belairdirect is on your radar—maybe you’ve used them before, a friend mentioned them, or they showed up online during your search. Now, you’re trying to decide if they’re the right choice.
The best way to find out is to do your homework. Do your own research, look at online reviews, weigh the pros and cons, compare the quote you get from them against other providers like YouSet, and then make a decision based on what matters most to you—whether that be price, coverage, convenience, or all of the above.
| Pros | Cons |
| Backed by Intact | Restricted to Belair products and pricing |
| Basic product offering | Need to call to cancel |
| 24/7 emergency claim hotline | Poor online reviews |
| Referral program | Bundling savings potentially limited |
✅ Backed by Intact
As part of Intact Financial Corporation, the largest property and casualty insurer in Canada, belairdirect draws from a strong financial foundation. This relationship may make drivers feel more confident in belairdirect’s ability to meet its obligations to policyholders.
❌ Restricted to Belair products and pricing
As the policies sold by belairdirect are underwritten by Belair Insurance Company Inc., you’re limited to their products, pricing, and discounts. This is a key difference between buying from a provider like belairdirect and working with a broker. A broker compares the prices and offerings of multiple carriers to find the best price for you, while belairdirect only offers options underwritten by Belair Insurance Company.
✅ Basic product offering
Belairdirect provides tenant, homeowner, condo, and car insurance—covering the main types of personal insurance most Canadians need. However, as of May 2025, belairdirect is not available to renters in Manitoba, Saskatchewan, the Northwest Territories, Yukon, or Nunavut.
❌ Need to call to cancel
If you need to cancel with belairdirect, the company states in its FAQs that you must do so “by phone.” If you’re someone who values convenience, the lack of online cancellation options might be a drawback to consider.
✅ 24/7 emergency claim hotline
belairdirect provides a 24/7 hotline for emergency claims, indicating that they are making an effort to create a positive customer experience.
❌ Mixed customer reviews
As of May 2025, belairdirect’s customer review rating on TrustPilot was just 1.4 out of 5 stars and 1.8 out of 5 stars on InsurEye. While these customer reviews may highlight some concerns, unhappy customers are generally more likely to leave reviews on platforms like this than satisfied ones.
✅ Referral program
Belairdirect offers a $50 gift card when you refer a friend, and your friend gets $25 too once their policy is active. It’s a nice perk, though referral programs like this are fairly common in the Canadian insurance industry.
❌ Bundling savings potentially limited
Bundling tenant and car insurance with belairdirect can save you money, as advertised. However, bundling with a single carrier doesn’t always offer the most savings possible. Rather, a mix-and-match approach to bundling, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.
belairdirect vs. YouSet tenant insurance
While getting a tenant insurance quote from Belairdirect is a good starting point, the only way to know for sure if it’s the best possible price out there is to compare it with quotes from other providers like YouSet.
Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.
Best price year-after-year
YouSet’s algorithms are designed to do one thing - find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.
Highly reviewed by Canadians
With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.
Transparent renewals
Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.
Buy, manage, and renew your policy online
How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.
Mix-and-match approach to bundling
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.
