Belairdirect Auto Insurance Reviews

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've been part of this community for a few years now and figured I'd give my fellow Canadian members a heads-up. Last year I found a new car, fully optioned with rear DVD and B&O sound. The only thing was - the car was in a previous accident before it made it's way to Quebec from Ontario. The price was right so I made the move. A few weeks after purchase I contacted iND and ordered carless DP's from AMS. Fast forward, I got back from a trip to Toronto and decided to hit the gym. After about an hour or so of training, I walk into the locker room to find my lock gone and later realized my M5 was taken from the parking lot... Needless to say, I kicked my self in the butt for leaving the car keys in the locker but they aren't the most convenient to have on you when you jog. That's where BELAIR/INTACT come in. I filed the claim that same night and it's been a nightmare ever since. They've given me the run around for over three months until I mentioned contacting my lawyer. At that point, the adjuster told me that and I quote - ''well, I understand that your unhappy with the time the investigation has taken but if you had to write a check for this amount it would hurt you too''. I advised her that I had recorded this conversation after which she explains to me that they will be refusing my claim because after the car was repaired and brought into Quebec it was not inspected legally?? I asked for an explanation and that as far as she would go. I ask what responsibility I had in this as I bought the car repaired and even declared to the agent at the time of insurance that the car had been in a prior accident and they were fine with that. She said it was policy and that they would be refunding me the entire policy. I find this to be a ridiculous nightmare. This is my 16th BMW and I'm 30 years old. I paid the car in full and never had a claim. I want to warn others that are insured by Belair or Intact that this can happen to you. After contacting an insurance lawyer on the phone and explaining the situation he said let me guess - are you insured with Intact? I was surprised and relieved to hear I was not the only one to go threw this. After meeting with him he proceeded to show me 15 current lawsuits he has filled against BELAIR/INTACT in the past 6 months. Important to note all claims over 50,000$. He said they are known not to pay large claims and take a gamble that you'll sue and get fed up or run out of money threw postponement and court fees. Needless to say, I told him I will never drop this, money, not in question. This a dirty business tactic by a company that I thought was above board.

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 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.

Worst company. Truck got stolen 3 months ago, have not received my money. They are criminals. Do not go with Belair. Worst company out there. I do not want this to happen to anyone else, please do not go with bel air