Independent Auto Insurance Reviews

Belairdirect Auto Insurance Reviews

(83 reviews)
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Category: Coverage, Conditions
(1.9 out of 5 stars)
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Worst insurance ever

(1.0 out of 5 stars)
by Darrenw Nov 21, 2019
...Canceled after 5 days when we realized the coverage was half of what we had with the other company. They charged 200 cancellation fee didn’t care rude and patronizing representatives we will never deal or recommend this horrible company...
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Worst Insurance Company Ever

(1.0 out of 5 stars)
by BS Nov 12, 2019
...Was a loyal Belair customer for 10 years. When I split up with my spouse I called them to remove him from my insurance policy and a month later they informed me that my upcoming renewal would actually be more money than when we had two cars and 2 drivers. They also informed me that my personal 10-star rating would be dropped to a four-star to "accommodate the change". This made no sense so, I spoke to two different representatives who could not get any logical explanation of what they were talking about and ended up just cancelling going elsewhere and saving over half. I don't recommend this company! They are unethical and they will jack your rates with absolutely no explanation or reason. I also cancelled well within my policy guidelines and they are trying to take a cancellation fee from me...
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Beware of Getting Quotes

(3.0 out of 5 stars)
by Melissa D Oct 22, 2019
...I've been a Bellair Direct client for 2 years. I called in to get a quote on an additional vehicle for insurance. I spoke about using the new car for business. The representative wrote down all my quote information and sent it to an underwriter who declined the coverage for commercial use. They told me I could call in to cancel coverage if I go with another company. A few days later I call in to ask for a quote on personal use of the additional vehicle instead of business use. They told me they can't cover the new one, and my coverage on the OLD car is set to be automatically cancelled within one week because I am "using my vehicle for business". Quotes are not just quotes at Bellair. If you inquire, they can and will cancel you on the spot. I now have to find regular insurance elsewhere...
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Lied about cancellation fees

(1.0 out of 5 stars)
by BlondieSL Oct 21, 2019
...I was tired of Belair's constantly rising rates, so I started shopping around. I found insurance with a well-known company, that was almost $600 a year less expensive as well as FULL COVERAGE and 1/2 the rate for deductible as Belair. Before jumping, I called Belair to confirm how much the cancellation fees are going to be. I was told a certain price if I did so before a specific date in Oct. If I waited until after that date, the rate would be almost 3 TIMES AS MUCH! So I cancelled immediately and signed up for the other company right away. I discovered that Belair still took out the fee for Oct/Nov! I called them and had to speak to 2 different people. Both people insisted that the cancellation fee was now the price, 3 times as much as I was quoted. Not only did they ILLEGALLY take out more money than agreed, but STILL EXPECT more! Supposedly a manager will call tomorrow, but I've dealt with the same companies before, so I know how that will go. I am investigating the steps I need to do to lodge an official complaint with IBC, Insurance Bureau of Canada as well as FSCO, Financial Services Commission of Ontario. I'm also going to investigate just how many complaints are lodged about Belair. While they are ripping me off, it will be the last and I'm so glad to get away from this corrupt company!!!
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Increase deductible

(1.0 out of 5 stars)
by Gman Sep 13, 2019
...I have several cars insured with Belairdirect. I just received an email from them stating "After careful review of the policy mentioned above and based on new information, the following modifications will be made to the policy as of the effective date indicated above: Increasing your comprehensive deductible from $200 to $1000. Your revised policy will follow shortly." I've never had an issue Canadian Direct (their predecessor) for approx 30 years. With this particular vehicle we've had two claims in 10 years. The claims were 1 windshield replacement and last year the back window blew out when I was replacing a hatch strut. Needless to say with this type of customer service attitude they will be losing my business on all my vehicles. I'll also share this on social media...
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