Belairdirect Auto Insurance Reviews

Not Impressed. Belairdirect goes out of their way to market themselves toward students and those who are on tight budgets via promotions like their student discount however their service reflects nothing of the sort. I was in an accident that was not my fault and after being treated like a criminal by the ASSURED Mississauga representative my insurance company sent me to the Belairdirect test and repair centre for a more “polished” experience, they said. It was awesome that when I got to the centre the staff was great at kissing my ass and pretending like they cared about my negative experience. It is unfortunate that none of those niceties could fix my car. Instead, it sat at their office for more than three weeks before they decided to touch it, suddenly; miraculously, the car would not turn on. My trusty insurance company then proceeded to call me to let me know that they were not responsible for my car not starting and wanted to charge me upwards of $1,000 worth of “non-accident related damage.” When I responded with questions – the brain dead staff resembled something of a broken record player repeating, “you are responsible to cover this damage as it is not accident related, your total is…” (pretty cold for a company that markets towards people with low income). When I explained that this was not a possibility for me at that time, they agreed to tow my car home. I find it hilarious that I drove my car there to be fixed and now it is being towed back in WORSE condition than when it started. Cherry on top: They took the rental back and had misplaced my car. I had to walk to work at 5 am for over a week without a vehicle while making car payments for a car I couldn’t even fix or use because the insurance company continued to make broken promises of when they would be contacting me to bring my car home. My car was finally returned to me over a week left with parts they damaged sitting on and staining my passenger side seat. What is the point of paying for insurance if they lose and break the very thing you are trying to insure. biggest scam i have ever been involved in in my entire life. If the goal was for me to walk away without a shred of faith in humanity, the company did their job of not caring! Silver lining: thank you to Belairdirect for making me realize I can make it through life without my car and it is worth every second I save not dealing with their garbage.

Claim opened July 2016. They still have not fixed my car and its June 2017. I was rear-ended at a stop light causing my head rest air bags to deploy.

They have treated me as if it's my fault someone rear ended me when I was stopped. I've been patiently and calmly waiting for them to resolve this but a year is too long to wait!!!

I pay my policy on time and my policy covers this type of claim.
This is so stressful.

Worst company I've ever dealt with.

They take my money monthly, are keeping my claim open but won't fix my car.
I was rear-ended at a light, air bags deployed , impact caused damage to the back of my car and the person admitted hitting me. Case closed! Not sure why it takes a year to figure that out!! Especially with police reports.

I can't switch insurance companies while a claim is open either!

My son has been trying to get insurance for months now. Bellairdirect provided a great quote. So we decided to try and go with them. We sent in an application by mail because they dont offer over the phone service or anyway online. We waited and waited n heard nothing back so we called n spoke with a lady who told us theres parts on the application that were left blank n it was mailed back to us. Hes never had insurance before because this was his first car so yes parts were left blank because it asks for previous insurance company. She said fill it out and send it back and she will activate it right away. So another month goes by and still no word. I call give the reference number she told me to give and the notes are no longer on the file i even had to get permission a 3rd time to be added to his file so i can call on his behalf. It had been almost 3 months and still no insurance. No one there has direct lines so you get no personal reports. Its someone new everytime you call. Ine girl told me to call a broker and offered to give me a number. They dont care for their customers. Now im at the point where if its this hard to get insurance. Whats it going to be like when he actually gets insurance with them.

The worst insurance company in the entire world, hands down. Will take extra money whenever they feel like it, causing you NSF fees and reinstatement fees, not to mention messing with your credit score. These agents get paid to ruin your life. They get away with lying and stealing. And there's nothing you can do about it. Hope I have saved one person from HELL by writing this.

I won't talk much because reliving my experience with Belairdirect will kill me. I advise anyone and everyone to please stay away from this insurance company. They are evil, very rude, inconsiderate and are only interested in your insurance payments. I had a horrible accident and was maltreated for 2 years by my adjustor from Belair. She's apparently in the US and I'm in Canada. Anytime I see their ads on TV, I get chills. Sign up with them at your own risk. I don't care what other insurance company you get, there are so many out there. But please stay away from Belair! You don't need to relive my experience.

First, they mailed the package to a non-existent address so I had to ask 3 times for it. I was specifically told with the package I purchased I would receive the entire amount of the purchase price of my car if something happened. A year later at renewal time, I find out I NEVER HAD THAT FEATURE !!! They would gladly add it now for more than $100. Per year. They refuse to correct their mistake HORRID COMPANY

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.

I'm not insured with Belair Direct. But the guy, who spun out and crashed into me, was. They delayed, delayed, delayed paying up at every opportunity. Eventually, they claimed that their client was not insured at the time of the accident because of some loophole. Their client ended up GETTING CHARGED for driving without insurance. Well, the police and courts eventually determined that he was in fact insured and are basically attempting to force Belair Direct to pay. It's been over a year and I've had to pay my deductible and the accident went ON MY INSURANCE. They are still giving my insurance company the runaround and refuse to pay for the damages even with a court telling them they have to. They think they are above the law. DO NOT GO WITH THIS COMPANY. For your own financial safety, because if you are at fault in an accident they will do whatever it takes to NOT COVER YOU. I think they might be having financial problems to go to such lengths to avoid paying. Greasy company full of losers. NEVER GO WITH THEM.