Belairdirect Auto Insurance Reviews

This company is the epitome of an unmitigated disaster. Every individual on the phone would give a slightly different quote and although it may seem that the quote is cheaper, it is not worth it. You would first have to request a form that you have to fill out and mail back. This process is suppose to take about 17 days according to the customer service representative, it took my application 45 days. This I thought was unacceptable, I was not able to drive my car until I had my insurance and this company had the audacity to send back my application because of errors. The only error that I had was I forgot to write my postal code, not even a call back, mail back for me to wait 45 days.. Unacceptable. Of course I was not patient enough to wait that much, so I decided to go to Co-operator, who did the application in 1 day and the next day I was able to drive. Avoid this company at all cost, they are way behind in time and have not adapted to modern technology. Resulting in slow, unorganized and dysfunctional services. The 17 days they claim is to check over your history and past but any other company will do it in less than a day. Trust me.

This company is a joke when it comes to pay out your auto claims also their customer service is the worst, not once has anyone called me and it has been a month. You have to call them over and over to find out what is happening and not one person from reps, to adjustors, to the manager has the courtesy to pick up a phone and call you to tell you what is going on. On top of it they went 50/50 on a rearend which clearly showed that I was rearended, but because there were no witnesses they concluded there was not enough of evidence, when clearly everyone from collision centre to police said it was the other parties fault.
Beware of this company because once my claim has closed I do not want to have anything to do with them, I just cannot wait to have my claim closed who knows how long that will take now.

I generated one quote online for my auto insurance and I got 188 monthly after that I spoke to one of the agent and I asked him I don't need the full insurance third party will be fine . then he send me a revised quote of 179 monthly , today when I call their office to confirm the quote they said that the quote was a mistake and your price will be 208$ per month .

I spoke with the Supervisor Bruno he said that the agent made a mistake at the time of quote he applied the home and auto discount in the quote . but it was wrong I checked the email quote which I received was clearly written that the home and auto discount is not included .

I am completely disappointed with the company.

I had been with Greypower for six years and at 2015 renewal time recieved a letter stating my policy was now with Belair Direct. My renewal premium was lower by $300 so I was happy. One month later my daughter kindly bought me a new car. When I contacted Belair to make the change I was treated like a criminal. They wanted another $200 for an accident that was not my fault and happened 9 years ago! . After 2 hrs on the phone, a conference call with my former insurance company for confirmation that the accident was not my fault and fault was not attached to my driving record and checking with BC insurance (the at fault driver's insurance), they finally agreed not to charge me for that accident. We finalized my policy application, which was approved, I paid the full premium by credit card and confirmed that I would receive a letter detailing the credit for the first policy on my old car. I asked him "are we finished now, is everything good?" The reply was yes. The very next day, the same agent called me saying he had forgotten to include the premium for another accident in which I was parked at a gas station putting air in my tires when another driver backed into me. His insurance covered all repairs, but again I was being penalized for something that was not my fault!! For this they want another $63! Unreal!! I too am looking for a new insurance company! No way would I ever recommend Belair Direct!!!

I've been a customer with Belair (home and auto) for more than 20 years. Never had a home claim. But I've had a few claims on the car. In each case, the other party was at-fault. My PAST experiences were all good but ... Recently, a fellow damaged my car in a parking lot. A church parking lot. He confessed at the rectory. The honourable gentleman decided to put it through insurance (he was also with Belair.)
I got a fool for an adjuster and the others I had to deal with were rude and insulting.
Asked by the insurance rep if my car had damage other than from the accident, I said 'no.' Four year old car, 30,000 km, kept in a private garage, my car was spotless. Customer 'service' rep said dismissively 'yeah, everyone says that.' Has she ever seen my car?
Several days into the process, I was asked if I thought the other guy had been injured! Gee, let me check my medical degree! Furthermore, I wasn't there, I was in the church. Furthermore, he's a Belair client, too. Surely they had his contact info already, why ask me?! Utterly irrational.
Nearly a week later, I was told I should go to the Collision Reporting Centre, which flabbergasted the officer on duty. Hearing the details, he said any other insurance company would not have wasted time on such a thing.
A technician at a repair place (insurance company approved) told me they have a lot of trouble taking care of cases for Belair (and Intact - same company) now that they pad their bottom line by hiring cheap, less qualified adjusters. The adjusters do not listen and, apparently, don't think they need to.
Another insurer informed me that Belair had assigned me some blame for this incident even though Belair's MyProfile page indicates otherwise! Sneaky Belair tells ME one thing while committing deceit and attempting to sabotage me so that I wouldn't change insurers or would have to pay much higher rates. Nice duplicity buddy, but my police report says otherwise. And so does my witness, the Reverend.
And so does my new insurer.
Beware reviews from people who are happy with Belair and have never had a claim. Remember why you have insurance? Consider what happened to me with what must be the simplest of cases.
p.s. I don't pay more with my new insurer (despite Belair's conniving and their trying to raise my rates this year, undoubtedly because I dared to complain to them about the way this claim was handled). Also cancellation fees are a pro-rated percentage of your premium. It cost me $35 (6%) to get rid of Belair. A bargain!

I was moving from Hamilton to Whitby and I called to get a quote as to what my premium would look like after, quote said it would go down 40$/month - great - moved called a week later to change address - got a guy named Trevor L. who actually had the worst phone manners I have ever encountered in my adult life at one point telling me "I have had a hard day" after snapping at me more than once. He tells me my rate is only going down by 4$ with no explanation why - I call back get another agent who fixes what he did and apologized for Trevor's behavior. However next day Trevor himself calls me says he doesn't appreciate me going 'above his head' and put my account back to the premium he set it at take it or leave it….makes no sense.

Terrible customer service. I would never recommend this ditch pig company to anyone. Spend the extra $10-20/mth to deal with a real agent and at real insurance company.

I wish I could give them a 0 star rating.
Everyone that is so happy with their insurance, just wait till you have a claim. For an accident that wasn't even my fault (someone ran a red light) I had originally thought everything was going to be easy our first insurance adjuster was fantastic everything was moving along. And a few weeks in she quit. (I Wonder why) We were assigned a new adjuster who to say was (is) incompetent is an understatement. Not sending proper documentation, saying he never received paper work when it was sent so many times. It's at the point now that we are faxing the documents daily, the same ones over and over again. Because it's been 10 months. He was caught in lies with our chiropractor and physiotherapist. Saying he never received paper work, when she had called 20 minutes prior and talked to another person who said yes all the paper work has been documented and is in the file, blatantly 20 minutes later he said no it wasn't there. It wasn't until she said well that's funny because i talked to so and so 20 minutes ago and says its in the file on the computer. They also got told the cheque was in the mail. A month later, no cheque still. Never returns calls, it literaly takes weeks and weeks of calling and leaving voicemails, and talking to other representatives to get this guy to do his job. This is just the short jist of the run around Belair has been giving me. I wish I could be this incompetent at my profession and still maintain a job. The only reason I haven't cancelled yet is because i cannot afford the cancellation fee since I've had to pay out of pocket for all treatments from this car accident. This is how they treat a 10 year customer.

Side note i moved across the town ( same town outside the GTA) and my insurance went up 92 dollars a month. For the same insurance policy I still drive to the same place of employment the car is still parked in a private driveway. Another person who lives in the house is with another company and insurance didn't move a penny. Talk about a scam.

November 1st Belair is being cancelled in this house.

Stay away from belair direct. They are extremely over priced. They change your renewal date without notifying you (because I made a switch on a vehicle), the cancellation fee is huge and they cannot even explain how they calculate the penalty. And when asking to speak to a supervisor, we were told she was too busy and would call us back at her earliest convenience (4 days later). Horrible service and way overpriced product!