Belairdirect Auto Insurance Reviews

So, to my surprise, for being a good driver, no tickets, no accidents, ZERO CLAIMS, MY insurance jumped from $1427.00 a year to $1800.00 and this is supposedly with my combined savings for also having content ins. And because I pay it all upfront. They proceeded to tell me it's because of my vehicle rating. I'm a single mom on disability. Going through cancer. I was shocked, upset and disappointed. Especially after having 4 of my family members change their Insurance companies to them. After calling around. I found rates at $1369.00 this is without bundled savings. So obviously I wasn't that much of a respected customer! And if it where nothing to do with my vehicle rating how can another company be 400$+ a year. The broker I spoke with said I'm the other client from Belair direct. Making the change

From the very beginning until now I've had the worst experience with Belair. I got a new car and needed to insure it. I called a few insurance companies for a quote and theirs was the lowest at the time. I signed up with them and agreed to premium which would cost me $328 a month. It's my first time having an auto insurance under my name, so I settled for the high amount I would have to pay since there were no records of me driving. I was always insured under my dad's policy, but he didn't have me signed up as a second driver. They told me if I have a clean record after a while, my premium would go down. I gave them my bank account number for pre-authorized payments set for every middle of the month. I got a paper mail showing the break down of the cost and what's covered in my premium. To my surprise, it shows that I have to pay $345 a month when the representative clearly told me it's only $328 a month. $17 is quite a jump. I gave them a call to complain, but the representative told me I have to pay $345. She can see on the system that I was quoted $328, but somehow it got reassessed and they didn't even let me know! I kept telling her I was quoted for $328 and asked to talk to the guy who I spoke with. She wouldn't transfer me to him, saying they have all the records on the system and she will help me out. She didn't do anything about it and her tone of voice was implying that I should just pay that much and stop complaining. I was so mad! Remember, I gave them my bank account info? I kept checking my online bank to see if they took any money yet. 1 and 1/2 month later still nothing. I thought maybe they just set it for a different day than what I had told them. I went for a trip, so I didn't bother about it. I thought they could just take the money whenever since it'll be in my account anyway. I received a paper mail again saying they will cancel my insurance if I don't start paying. I called them again regarding this issue raging about the situation. So happens, the representative entered the wrong account number. Now, I'm 4 payments behind since the first month is a double. I gave them my account number again and agreed to get the money at the end of the month. They decided to take 5 payments instead of 4 when the fifth one wasn't due for another 3 weeks. I'm only 23, so I have everything on the budget plus I have other bills too. I make sure I have enough funds on my account for all the pre-authorized payments, but they messed up! My account is negative and the extra money they took was supposed to be for a different bill. I'm getting a bad credit 'cause of them! I asked for a refund, but they said they'd rather not 'cause it takes 21 business days to get the refund which my next payment is due anyway. Who knows if they're gonna take another payment again for this month when they said they won't. THEY'RE ALL LIARS! Their system is messed up! The representatives always say "They don't know". Hire better people and have better communication. I am so moving to a different company. I don't even know why they keep sending me a new pink copy every month? The start and expiry date always get updated every month. I don't remember getting a new one every month from my dad's policy.

Just received my renewal documents, my annual rate is going up by $200 for no reason. I called and they couldn't even explain why, just said that their rates must have increased. The icing on the cake is that when I called they increased my rate even MORE when I said my usage of the car had increased by a few thousand km (vs what I estimated when I first bought the policy). So now it's a $300 annual increase. And I'm accident, claim free etc. I thought Ontario is supposed to lowering auto insurance rates??? I am shopping around for a new company.

We switched to belairdirect in Sep. 2013 because their rates were lower than the competition. We're now in Aug. 2014 and were just notified our premium was going up by over $350/year for bogus reason ("the company increased the premium due to where we live, the kind of car we have; blah, blah,blah").

Needless to say we're shopping around for a new insurance company.

After 5 years payment to Belair at the time of Renewal I would expect to see the rate going down because of no accident ,no fine and no claim !
BE Lier increase my car insurance more than 30% !!!!
one customer said :I’d guess, someone has to pay for people who get into accidents on the road, and that someone is You, not Belair.