Belairdirect Auto Insurance Reviews

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 have been with Belair Direct for at least 5 years, ever since I have had a car. They are easy enough to get a hold of, especially with the online chat feature. However, I have made the decision to remove my policy with them as of recent due to the lack of customer service. When I began my policy with them I had added the winter tire discount to my policy. However, in 2015 apparently this discount was removed, but then added back in January 2016. Since my policy was pretty much automatically renewed each year, there was no reason for me to share all of the minuscule details with them such as winter tires, nor did they ask. That means I went 16 months without having this available discount applied to my policy when I had originally told them I had the tires. Belairdirect also refuses to refund me all of the missed time. There is no reason why I shouldn't have been asked whether I had winter tires or not every single time I communicated with them and they looked into my policy. This is just another company that doesn't care for its customers.

It's funny how they "renew" your insurance for another year, when you clearly told them to cancel it before it expires. I called many times to make sure it's cancelled. They keep insisting and asking why am I cancelling it. 5th times that I called, Why did I receive a new insurance card and it looks like it's been renewed, so then I asked, why is this? He said he does not have any access to the account, try calling again tomorrow. Called again for the 6th time, finally a nicer person picked up and called me back the next day to fix the issue (hopefully). Still waiting for them to give me my money back (deposit) and the answer and a confirmation that my insurance has been cancelled. Overall, the answer was "THEY MADE A MISTAKE" of cancelling my insurance, they renewed it instead. This has been almost a month, until now.

The most disastrous insurance company – lying adjusters, lying people who work for them. I had a full coverage policy that was supposed to cover me in case of an accident. They say - you can get a rental car for about $1,500 dollars till your car gets fixed but my car was a write-off and they only provided a rental car for 5 day which costed $250. It has been 4 month and they have not sent my cheque, they claim that it was sent once and went to the wrong address. Yet, I still don't know how long will it take for me to get my cheque. They are scammers and liars who are sitting behind their desks and fool people.

I had been an accident free driver since gaining my insurance. However I was hit by someone on their phone in a parking lot. I was backing out of a spot, saw someone coming and stopped. As she approached I could see she was on her phone and the front passenger headlight went under my right rear fender. She struck me, admitted she wasnt paying attention at the scene. So I though "its a minor fender bender, she's ok, but I'm going to report it anyways just in case". I come to find out she completely lied on the police report, Belair said they would 'investigate'. Well, their investigation took all of 45 minutes and assigned the fault to me. No explanation, nothing. I had come to a complete stop, to allow her right of way(technically I was entering the 'roadway'), and she just drove straight into me.
My claims person was less than helpful, the sales said my insurance was going to up 250$ a year(which I've spoken to police, and they agree that she struck me). I have told them I will be fighting the decision. I was paying 134$/month total. Now remember the 250$ increase? Somehow their math that equates to 184$/month. Needless to say I am jumping ship ASAP.

I was an automatic client due to merger with Canadian Direct & my premium increased 27% ... no changes other than Belair over the past year

I was told if I let them do a credit check I could get more discounts - Really?

Also an increase in premium following a move of a few km - still in New Westminster ...

Billing statement does not provide a breakdown of premium per item ...
I received 3 letters - all different dates & all with different premiums

To say that I was unimpressed would be a huge understatement.