Belairdirect Auto Insurance Reviews

I have canceled my policies (house & auto) with them back in November 2016 because of their incompetent and dishonest agents. However, they kept charging me monthly until I've noticed in December 2016. I called them asking what's going on and they started to come up with all kind of stupid reasons in order to avoid giving me a strait answer. They said that they are investigating the issue, blah, blah... and I need to wait for them to finish the investigation and stuff like that (terrible customer support, btw!). They even asked me for proof showing that payments were made from my bank account to them, than they even suggested that I was lying about my banking info for some reason. At some point I just had enough and dropped the words "lawyer" (among some expletives) and in less than one hour, I got a call from Belairdirect, telling me that they have issued a refund, blah, blah. It turned out that for one year I was paying somebody else's insurance, while that 'somebody else' was paying mine. Or at least that's what they say... Anyway... it's February 2017 now and I still didn't received the refund, although they say that they sent me the cheque.
So my advice: avoid this company like the plague! It's incredible that crooks like these are allowed to operate.

If your reading this youve done the right thing and looked up reviews on Bel Air before anything. Let me start off by saying i should of done the same. So i got a quote given by bel air direct (canada $1670 or 144/month)insurance i can finally afford! so i buy a truck. bought it used and private sale so i had to transfer the truck into my name and needed to have it safetied and etested (understandable)but in canada u need 10day temp plates to get it home and around to different shops that can have the safety and e test done. I go to the ministry and they tell me i need insurance to be able to 1. Get real plates and 2. Get the 10 day temp pass. Lady at the ministry said call my insurance company it takes 2 seconds.. 30mins on the phone later apparently bel air doesnt do that. (LoL what!?!) Yea we dont know if other companies do that but we dont do that "we need to see a safety cert from a mechanic before we can provide any policy numbers" and then suggested i have my car towed to from the guys house to a safety shop and then to an e test shop.. well lone behold the truck fails safety and needs a little work.. safety shop isnt a repair shop so towed it off to repair shop. 1500$ later and bunch of non sense later i got my safety and e test done and my truck in my name and keys in hand only thing left was to send in my paperwork and banking info to the insurance company and get that policy number sobi can get my plates! ..so i call them and they said the typical whats ur number ill look up your file and then when i cut her off from asking questions that ive been asked 5 times over to ask her if they have a fax number so i can fax over all nessiciary paperwork. She goes "well hang on a minute we can get u finalized before all that", at this point im happy im at this stage but mindblasted at what she just said. I asked her "finalize what? Everything your asking me was already asked of me and was marked on file and even recorded the phone call for reference" and her reply was simply "Oh well it says here u got a claim?" Long story short apparently the other quote guy forgot to add on an accident to my quote.. but in the phone call had mentioned all about the claim she was saying wasnt added on.. in the end they want $2460a year or 204/month like man im so pissed. Basically because of a mistake on Bel Air Directs end that they are not willing to honor i have to sell my truck.. after Bel Air Direct had me dragging it all over town with a tow truck to try and save a buck on insurance i should of known to go with a better company one that stands behind they employees and their mistakes. And for the people still reading get this! She even had told me exactly what i was going to be paying per month down to the last cent on the new quote but then even had the nerve to say the new quote might not be the final price..dont waste your time people and your money. Just go somewhere you trust these people tryed to rip me off hard.. after i worked so hard to bring them safety certificate it doesnt even mean nothing now like cmon.. worst insurance company there is.. its now wonder they had to run an ad on Omni Tv 35,000x over.. no good word of mouth spreading from me only my experiences with the company.

We were told that they already have our cheque ready in August. It's now December and still no sign of the cheque. We called almost every week to check on the status of our claim and we get the same excuse, "it's in our finance department". Are they all in vacation since August? If I could put zero stars on the "claim experience", i would. Also, to anyone thinking of going with belair, don't!

The WORST! If I could switch out of my car insurance policy right now I would.

I was charged an $35 for being short 0.50 cents for my car insurance which I had never missed a payment (perfect record). transferred from person to person just to hear that the fee could not be waived. I was then given false recollection dates which they charged another $35 and $25. I happen to missed the recollection date because I was advised false dates provided by a belair direct rep. They did an investigation basically saying nothing of the sort was said. SO i basically missed my recollection date on purpose because I wanted to pay an extra $75. When asked to provide said transcript they could not produce it. They basically threatened me to pay the $75 stating if i don't pay I would it would go on record. They basically stated that I lied about the whole conversation. I'll never do business with them again or recommend them to any enemy. They do not care about their customers they might as well showed me the door.
NO CUSTOMER SERVICE FROM THIS COMPANY. no accommodations from them to even waive the fee which is missed only 50 cents.

Very, very, very bad insurance company. I had and accident on August 16th. Today is a November, 11th. I have been calling, sending emails no response from my adjuster at all!!! Her name is Marilen P. – very rude person. First, she said to me that she called a dealership where I bought a car and confirmed the price, and it was 10,000$ cheaper than the price I paid for it. When I called a dealership, that same person who talked to her, said that she has never asked for the price. So, I called her – no response, so after 10 times trying, I got her on the phone. And she said, we starting an investigation, she has never said, why or anything. So, I have been waiting for 4 months paying for insurance, while I don't even have a car. Very, very bad experience.

My son & daughter were in a serious accident in Aug. Some lady ran a red light doing 80km, no attempt to stop nothing. She then pushed them into on coming traffic & was hit by another car then pushed into a pole. My daughte has neck and hip problems, and from the impact her head smashed off of her door. My son, my GOD was hurt pretty bad. His leg is still to this day bruised and has no feeling, damage to his wrist, thumb and toe. Sad part is, my 20 yr old son had just moved into a condo as he started College. He has supported and worked since he was 16. He wasn't able to finish his job & because of his injuries wasn't able to look for a job by his new home & can't walk much on his leg. Belair has left my son penniless and starving. It's been still to this day that they have given him a penny to survive as that is what we are suppose to get with our insurance. It's called INCOME REPLACEMENT BELAIR!!! Yes they have a lawyer & the lawyer has been at them to get him his wage lose so he can EAT & PAY his bills. I found out that my son has not been eating and at times for a week. Since the accident my husband & i have had to pay his bills and I have been sending money for him to eat and just today I took him to buy food because he doesn't want to put the financial burden on us To date we have had to support my son with food, gas , insurance, rent and we are out over 3,000. thanks to Maddison D. who is called: Accident Benefit Claims Rep. WHAT! She is not entitled to that title and she should not be working for anyone. I wonder, has she had to go for a week without eating. Has she had to go penniless for just over 2 months and have her bills go unpaid, has her parents had to take such a FINANCIAL BURDEN? I bet NOT. She says she busy, really, but she isn't to busy to make appointments to send my kids to be examined . Wow that is more important to her then a 20 yr old living with NO FOOD, CAN'[T PAY HIS BILLS. And I find out that my son has had to dip into his college fund I saved for him for years so that he can buy his books for school. So ow she has screwed him over for next years college. Good going Maddison. You really do only care about leaving people to starve and penniless. I will recover the FINANCIAL HOLE that she has put my husband and I in for her lack of doing her JOB. I have talked to a lawyer & I'm sending all the bills that I paid to keep food in my son's stomach $ pay his bills so he can stay in college and pay his rent. If she refuses to reimburse us the money that we should not have to have paid out then she will be meeting my lawyer and he WILL RETRIEVE OUR money and I am also filing a complaint with the OMBUDSMEN. I was advised by the lawyer to write to them about this matter and how my son has been penniless Thanks to her, first priority is to have someone assess and say, oh you have no injuries. Bunch of crap. We all know that there are therapist that will say anything to help the insurance companies stop paying people because they make thousands and they want the insurance companies to keep using them for a lot of $$$. I had 2 assessments after my car accident in 2005 and they both said I was A.OK. Liars, instantly had a ct and found I had a major spine injury and had to under go 5 hours of surgery and 6 months rehab, so you see I don't trust these assessments. Those people only work for the insurance to get thousands out of them and call us all FAKES. So anyone who is thinking about Belair don't! They are the nicest people when it comes to taking your money but when your injured they no longer care about you and you become a liar, fake and a no body. Something needs to be done in our courts and with Insurance Bureau of Canada because insurance companies are scams and leave you penniless and starving!. Belair is the worst I have ever dealt with in over 30 years. Run from this company and hang up if they try to suck you in with their such kind attitude because don't you dare get hit by someone else and be injuried! You will be treated like a fake!!!

I have had so many poor experiences over the years with this insurance Bellair/Intact/Canadian Direct, I could write 20 pages about how they mistreat customers. I will try to list a couple of the most important and keep short.

Claims: If you are at fault, they will fight you to the death before they payout anything of what you are due. I had to take them to court to get them to pay a standard claim. Despite them hiring a lawyer, flying out their Claims mgr. to testify in court, the judge gave me a full judgement, plus ALL my legal costs and I have no legal background whatsoever. Please believe me, you don't want the stress of fighting for what you are due with a poor insurance company. I don't care how cheap your policy is, ITS JUST NOT WORTH IT.

Trust: Automatic monthly debit. Just like a shady gym membership company, do not give them automatic debit access to your money. They will take whatever they deem they are entitled to and cite that your insurance policy states that they can and without notice. Which it does and they take full advantage of. Good luck trying to get a fair remedy when they already have your money.

Obnoxious, bullying and Rude staff. The way they resolve complaints is to be threatening and unreasonable.

Bottom line, there are many insurance companies available and I don't think any have a stellar reputation. But this one is the worst. Save yourself the headache and being ripped off. I am now 8 years claims free and counted down everyone of those days. to the day that I could be free of them and take my business elsewhere.

I'm now well into my second year with this company. I just recently moved and switched over my address. Apparently, my new address is such a high risk area that my premium has gone up $860 per year.. Are you kidding me?! My policy expires in February and there's no way I'll renew. My insurance went from under $2100 a year up to $2900. I was thinking about adding a second vehicle, but I quickly changed my mind when I was quoted almost $5000 per year for two vehicles. Where's the multi-vehicle discount they tout on about so much? (Full coverage on one and just liability on the other)

I was also informed that I don't have accident forgiveness unless I pay extra to add it to my policy now before anything happens. They never bothered to tell me this when I signed up.

In addition, I had a speeding ticket for 15 KM/H over about 3 and a half years ago. I was told that it's still on my record with Belair until my policy renewal? What?! So they can increase my rates through the roof for a change of address, but they can't remove the ticket until renewal? What a scam.

I highly recommend avoiding this company at all costs.