Belairdirect Auto Insurance Reviews

I have been with them for over 3 years, no claim whatsoever and no tickets. This year when the renewal of both my car and house insurance came, they had increased both of them by 23%. When I called, they were not able to provide any explanation and said that this was due to inflation! Really! A 23% inflation rate!!!

The worst company, after they bought it from CDI nothing but increase. According to the employee I was lucky most of the people insurance went up 60 percent. My was only 50 percent. Why do that spend the money on advertising? Just to mention no claims for I think 30 years.

Fraudulent Insurance Company, avoid at any cost. After buying Canadian Direct Insurance, Beladirect has increased the premium from 1,275 Cad to 1,800 without any reasons... I've changed my MDX 2016 to the same MDX 2019, and they increased the premium from 1,800 Cad to 2,775 Cad (I had no accidents, new car with no rating yet :). Avoid, avoid, avoid

My rate has gone up by $800, or 30%. But I have no clams, no tickets, no decrease in credit score, no change in address. Think twice before dealing with this company. FYI according to FSCO average rate increase in Ontario was around 5%. It means based on my perfect record I should get something between a decrease or a minuscule increase.

Horrible scam of an insurance company. Do not go with them. Initially, I had good experiences with Belair, for the first car I insured on my own. However, when I got a new car, I was not happy with the premium I was given. However, I was promised by the woman on the phone that as long as I went yet another year accident-free (I had been 10 years accident and ticket free at this point), my premium would decrease. It was based on that information that I decided to stick it out and stay with them, as I felt that staying with the same insurance company would be easier and better off for me in the end. Recently, I got my renewal and was shocked to see that it had gone up substantially. I called, bewildered at the fact that despite another year of being accident and ticket free, I was getting an increase. They assured me that this is how it is for everyone, due to the number of accidents. “Oh,” they said, “you have an amazing driving record! You should join our driving program to receive a discount!” I laughed, saying “if I’m such an amazing driver, why am I paying this insane amount with ten years of no accidents or tickets on my record”. They had no good answer, and it felt amazing the next day when I called to say I am cancelling my insurance with them.

I too had been with Belair for several years and was shocked when I received my renewal which was more than $200 a year more than what I had paid the previous year, in spite of having had no accidents and no claims. The agent explained that this had nothing to do with the calculation of my new premium. I found this absurd and was told that the price hike was due to increased costs and inflation, blah blah blah. I decided to go with a group insurer here in Québec that offered me a similar plan at a much lower price with warm, intelligent people providing the service. The sleaziest bit was a month after I cancelled, 122$ was debited out of my account because of the ''valeur à neuf'' insurance I had agreed to when getting my plan. The agent told me I could cancel it at any time. He didn't tell me that by cancelling early I would be forced to pay the remaining amount on the contract. I had no idea it was a contract. I thought it was just part of my insurance policy. I am a very understanding person, but this company pissed me off.

I purchased insurance from these guys and at first I was getting a good deal but after my first year my premium should have gone down but instead, it increased by 45$ and I had not been in any accidents nor did I get any tickets in the year. I contacted customer service to ask why I was getting an increase in my monthly payments. I contacted customer service and discussed the situation and it was everyone apparently had their insurance increased due to increased accidents as a whole. Anyway, it was whatever to me, so I moved on but following my next yearly update my insurance decreased but BelAir required me to do a credit check in order for me to continue monthly payments. Now to me these guys don't report to any credit agencies and don't report that I am making my payments on time and nor have I ever been late on a payment. So to treat your insurance like it is a credit product is bogus. I got another insurance quote from 4 other companies and they were anywhere from 100-160$ cheaper and so I have switched insurance companies and I recommend you avoid BelAir Direct. In the 10 years I have been driving I have received 1 speeding ticket and have been in 1 accident that I was at fault for. Credit checks and this type of treatment should be left with the credit card and bank companies only. Companies that actually lend you money.

Your friend at first, then watch them JACK THE PRICES UP. I have this year an 8% increase to my home insurance. LAST YEAR, they just... changed my policy because THEY wanted to... lower my flood coverage because they thought my coverage of 10K was too high, so lowered it to 3K ALL WITHOUT MY CONSENT, and didn't give a discount for that. Also just now they wrote me a letter saying THEY think my car deductible should be $1000, not $500. "The winter tire discount has been removed from the above-listed vehicle as it no longer qualifies" ... what? I just spent $1900 on tires and wheels why doesn't it qualify? AND you raised my insurance. P.S.: NO CLAIMS for the home or auto, not 1 in 17 years, and perfect driving record, not even a speeding ticket. Again, they'll be all cozy the first round then annually ding these things to their advantage.

We have been with BelairDirect, previously CanadianDirect, for over a dozen years, with home and auto insurance. We received our auto renewal with a 70% increase. We drive less than 20k a year, accident-free, no points or violations, exact same insurance on the same vehicle. We asked why. Belair said to help pay for other bad drivers and everyone pays. We understand this is how insurance works, but come on, 70% increase. If this happens to our home insurance, then they will lose all of our business. This company has changed dramatically since Beliar took over, unfortunately for the worst.

I've been a driver since 1968. I had 2 accidents (minor) - one in 1970 and one in 1972. Not one since. I joined "Grey Power" because they offered decent prices for older drivers with good driving records. I was satisfied with them for several years and then Belairdirect took over. The good rates continued (I have a Mercedes and a Porsche Cayenne) both cars are over 10 years old and well-maintained. This year there was a 40% increase in rates and being a trusting, old fool I didn't notice the increase for 3 months. I know they have to pay for the guy in the suit of armour telling us on television how great Belairdirect is... to me they are dismal thieves. I am changing companies and advise others to keep on shopping! Belairdirect is a horrible choice - I don't think my experience is unique.