Independent Auto Insurance Reviews

Belairdirect Auto Insurance Reviews

(82 reviews)
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Category: Coverage, Conditions
(1.9 out of 5 stars)
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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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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.
 

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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Stay Away at All Costs

 
(1.0 out of 5 stars)
by chelseaod Aug 09, 2019
...We have been a Belair client for years and have never been in an accident. Unfortunately, about 6 weeks ago, we got into our first accident and have had the displeasure of having to go through the Belair claims process. The initial intake process was smooth and relatively painless and the customer service was friendly. That is when things took a terrible turn. After a week and a half, it was determined that the vehicle was a “total loss” meaning it was being written-off and it was determined (wrongfully) by our adjuster that we were “at-fault”, despite the police report stating the opposite (there was an officer on-scene who happened to witness the accident). This is when the nightmare began. First, they rushed to send us an email settlement offer (which we did not receive as it ended up in the junk folder) and terminated our rental vehicle coverage on the same day the settlement was “presented” without notifying us. We learned that the rental car coverage had been terminated 3 days afterwards, only because we called to follow-up on the status of our claim. It was on this call that we were advised that a settlement offer had been made, and had to search through our junk mail to find it. After reviewing the offer it took three emails and three phone calls to our adjuster to FINALLY get a call back on the issue of ‘fault’. Both the police that attended on the scene and at the collision reporting centre agreed that it was the other driver’s fault. However, Belair, when prompted for an explanation, simply said the other driver’s statement was the reason for their determination. Rather than choosing to follow the police report and represent our best interests as their client, they decided to take the other insurance company’s position. We have escalated this to a ‘manager’ and were supposed to get a call back in 24 to 48 hours. We are going on three days now and have yet to receive a call back on this point. With respect to the settlement, the offer was woefully below ‘fair market value’. We have been back and forth over twenty emails now, providing them with comparables for sale in addition to values calculated through both Kelley Blue Book and Canadian Black Book's total loss evaluation tool and have only managed to get them to go from about $2,600 to $3,600 (all comparables are in the $4800-5800 range). We are only asking for $4,600, but they are deciding to dig in their heels over less than $1,000. Finally, I asked them to provide their valuation methodology and comparables. They provided me with a list of 5 "comparables" all of which have between 55,000-65,000 kms more than my vehicle (not to mention one of the vehicles has a manual transmission where ours was an automatic). The moral of this story is that if you are looking for an insurance company that, in the rare instance of an accident which is an understandably very stressful time, will support you and help alleviate some of the stress, do NOT consider Belair as an option. They will add ten times more stress than the initial incident itself and drag out the process and do whatever it takes to pay out as little as possible, hoping that you just give up and accept their low-ball offer out of frustration. Save yourself the stress and aggravation and run as far away from this company as possible. The online reviews do not lie. You are better off paying higher premiums and actually having an insurance company that looks after you and offers superior customer service and a proper payout in the unlikely event of an accident...
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