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!

So, this is the first time I had insurance on my own. They offered a great rate on my first car, but after it was written off, things went sour very quickly. First of all, it took them a month to sort out my accident claim, which I was not at fault. They only reason the claim was resolved was because I had to do all of the leg work personally. I did 100% of their job just to get my claim taken care of.
Now that I'm up for renewal, I decided to look into other companies, since belairdirect wasn't giving a good rate on my newer, safer vehicle. I was offered a way better rate with way more coverage somewhere else. When I asked Belairdirect if they could lower my rate for loyalty, they told me no. So, long story short, they have very bad customer service, they don't do their jobs, and they're really not there for you. Save yourself the hassle and look elsewhere.

I got into a car accident and I gained a considerable amount of weight because of it (lack of mobility and emotional eating). I then developed diabetes because of it. I asked to be seen by a dietitian but they did not approve it. They said that it is not reasonable or necessary. I did not know that my overall health was not important enough. Worst insurance company.

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.