Belairdirect Auto Insurance Reviews

I was in an automobile accident and in the span of two weeks my claim was transferred to four different adjusters. No one seems to be able to update me on the status of my claim or whether someone has even been able to view my vehicle and assess the damage. The garage has been more forthcoming than this sham of an insurance company. They don't seem to have a problem withdrawing money out of my account every month but the status of a claim...now that's asking for too much! While Belair Direct may offer better rates than other insurance companies, you get what you pay for! Avoid insuring with Belair Direct at all costs.

A taxi pulled out in front of me. Clearly NOT my fault even by the police. They claimed they could not find the other's insurance number and wanted to keep deductible even though it was not my fault!. 5 weeks later after I had messaged them and mentioned lawyer and police they were willing to settle and promised a cheque would be delivered on a certain day the cheque never arrived. I am now without a vehicle, they are taking the rental they gave me away and I no longer have any way of getting to so I will lose my job. I was talking to a lawyer and he said it sounds like a scam to keep my deductible. I did some searching and found the others info in 10 minutes. Something they could not do in 5 weeks. The police already want to talk to them as they gave me a number to give to them that they should call.
Avoid this company at all cost!

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.

Mistakes after mistakes- First they kept my old car insured instead of my new one, so I was driving an uninsured care- then when is time for me to change cars they advise that they don't do classic cars (20 years old or older) and send me to a broker (Powell) who literally wants to grab your wallet - the price was triple that what I receive from another insurance 20 minutes later- Bell Air is a rip off and have no accountability for their business practice - If you value your car/ house and want a respectable insurance that can do what they supposed to do when you have a claim stay away from Bell Air - find yourself a different one.

Absolute garbage customer service, they will be prompt and aggressive trying to obtain your insurance, but when you are making inquiries and claims... good luck.
The total insurance charged amount might be very cheap, but the cheap cost results in garbage customer service.
I made a claim on June 27th and it's been over a month and it is still not settled. Melissa J.-G. was my claim specialist, but I only got one voicemail and one email from her in one month, I had to make several calls to see what was going on and never received any updates.
I had to make complaints all over their facebook page and twitter to get any action done, I got a call from their complaint department and only then something has happened and apparently now I have a new claim specialist. My car has finally been evaluated and it has taken over a month, I was JUST sideswiped resulting in some big scratches on the car and they have a large estimate and it is literally $200 over the value of my car, so they are considered the car as totaled, what the hell is that?
The scratches can be buffed out and repainted.
The car is old, but very drivable, never had any engine or transmission problems.

Do not get belair direct insurance, you may pay a bit more, but you will 1000 times more better customer service and communication with a competitor.

I had my first at fault fender bender, in March this year and got accident forgiveness...how nice!

I traded the vehifcle that was being fixed and bought a brand new one.

Here's the kicker!

My new vehcile is at the same body shop as I had wonderful hit&run damages. It was in a parking lot. I didn't notice until it was pointed out later. So didn't do a police report, because I thought I could get it fixed.

The bodyshop showed me more damages incurred by the hit&run, when we were looking over the damages that I saw,

This insurance company basically that no police there's no report, then I'm automatically "at fault". Plus, the premiums are going to increased.

PATHETIC!!! Is there actually an insurance company that looks at driving record and invidual themselves? I sincerely doubt it!!!

I called Belair Direct to get a quote on my new car. The agent asked a series of question, one of which was whether or not I had any accidents in the last 6 years. I replied No somehow thinking that he was referring to accidents for which I was deemed responsible. He gave me a great quote and we proceeded with signing me up. Upon verification of claims history using my driver's license number, his tone changed and said that I had made a claim the year before. I had failed to disclose that I made 1 claims (in 10 YEARS). That is true: I was stopped at a red light and a mini-van slipped on a thin ice and hit my car from behind. The damages were not too bad (approx 1000$) and the other driver assumed full responsibility. I didn't even pay the franchise. So this moron agent from Belair direct freaks out and basically accuses me of lying. He then increases the premium by 220$. I told him that I honestly did not think that that fender bender for which I was NOT responsible was relevant during his questioning. He refused to hear me out. So I called another company and obtained a quote with a full disclosure of my previous claim, and I was given a premium which is 60% less than what the Belair direct agent gave me.

After an application was submitted for auto insurance, the company made me wait one month before I had to contact them to find out something was missing on the application. The application had the words "n/a" and ""none" required to be placed back in the ORIGINAL papers. They said they would send the letter in the mail right away. It didn't arrive and I had to contact them once more. They said it was sent already...lies and laziness causing me hardship. My previous insurance was cancelled since I had a quote from Bellair and I thought it would take over. Now I am 3 weeks without insurance and they are taking their sweet time with my application. I filled out a another BLANK application and submitted it on a thursday. I called every day the following week and they received nothing. Yesterday was already 2 weeks and they said once more nothing had arrived. How could that be??? When I told them I would have to look for another company because this is ridiculous, the phone rep (not customer rep) said she would make a note. 2 months now and no insurance!!! so Frustrating!! PLEASE STAY AWAY IF YOU DONT WANT CHAOS!

This company, Belairdirect Insurance underwritten by Intact, are nothing but a bunch of crooks. I recently called in to submit a claim in regards to 'stone chip' damage along the top roof panel above the window on one of our vehicles. The damaged area had increasingly rusted and if not fixed, will only get worse and could become a safety issue in regards to the window itself. There is absolutely no other rust on the vehicle, as we Krown yearly. Was not impressed with the handling of this claim from the beginning by Belairdirect Insurance. From the start, they were uninterested in accepting our claim. It was made to seem that the problem was due to routine wear and tear, and would not be covered. I informed them that it was not the case. The rust problems and damage was due to stone chipping from debris thrown up by construction trucks on the highway in Ontario. They gave us the run around from the start, at one point telling us that a Claims Appraiser would inspect the vehicle and no Appraiser showed after we went through the inconvenience of leaving the vehicle at the auto body shop, twice. I called Belaridirect and was informed that no appraisal had been set-up in the first place. I can assure that I checked twice to confirm the date for the appraisal. So, it is my view that after the difficult time I was given in regards to this claim, that Belairdirect never had any intention of doing anything with it and therefore never set up the appraisal. No actual Appraiser ever showed up, instead, they requested photos be sent. Based on these photos off the internet, they have determined not to cover the claim. This is insane, to say the least, and unacceptable, and not why we pay insurance. The vehicle was struck while being driven on the highway by stones, that caused the damage. If driving on any roadway in Ontario and a flying object struck the car, it is an accident, regardless of fault. In fact, it doesn't matter if the car was parked in our driveway and something fell or struck the vehicle, it is still an accident and covered by Comprehensive. Belairdirect's attempt to classify this as normal wear and rust is ridiculous and confirmed by the Manager of the Autobody shop with which we deal. We carry Comprehensive coverage for a reason, and it does not matter whether the ‘flying stones’ or debris strikes the glass window, headlight, grill or any other specific part of the vehicle - Comprehensive: With this option, you are covered for any threat or danger other than collision, including theft, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of the vehicle. The only important thing to remember is that this coverage applies to the vehicle only, not passengers. I have discussed this with the Shop Manager and a very experienced bodywork tradesman, and they stated that the damage was caused by stones/debris striking the vehicle in that spot. So this is nothing but a ploy for Belairdirect to get out of their responsibility and not cover a legitimate claim. We were customers with Belairdirect for 10 years plus and have not even had a claim in over seven plus years. To start being given a difficult time, just when we need the help of our insurance company is a disappointment. We have attempted to resolve this matter with the company but to no avail. We will be getting rid of Belairdirect as our Insurance provider because of this incident and their unreliability in terms of providing coverage. We filed a complaint with General Insurance OmbudService of Ontario and will also be contacting other government and media consumer protection and advocate agencies to ensure this story gets out to the public and on file. The Belairdirect Insurance company already has a noted reputation for this kind of despicable conduct and rip-off, and now we understand the reason. We have owned vehicles, been driving and have carried insurance for over 40 years - STAY AWAY FROM THIS COMPANY!

This company belairdirect Insurance underwritten by Intact, are nothing but a bunch of crooks. I recently called in to submit a claim in regards to 'stone chip' damage along the top roof panel above the window on one of our vehicles. The damaged area had increasingly rusted and if not fixed will only get worse and could become a safety issue in regards to the window itself. There is absolutely no other rust on the vehicle, as we Krown yearly.

Was not impressed with the handling of this claim from the beginning by belairdirect Insurance. From the start the were uninterested in accepting our claim. It was made to seem that the problem was due to routine wear and tear, and would not be covered. I informed them that it was not the case. The rust problems and damage was due to stone chipping from debris thrown up by construction trucks on the highway in Ontario. They gave us the run around from the start, at one point telling us that a Claims Appraiser would inspect the vehicle and no Appraiser showed after we went through the inconvenience of leaving the vehicle at the autobody shop, twice. I called belaridirect and was informed that no appraisal had been set-up in the first place. I can assure that I checked twice to confirm the date for the appraisal. So, it is my view that after the difficult time I was given in regards to this claim, that belairdirect never had any intention of doing anything with it and therefore never set up the appraisal. No actual Appraiser ever showed up, instead they requested photos be sent. Based on these photos off the internet they have determined not to cover the claim. This is inane to say the least and unacceptable, and not why we pay insurance. The vehicle was struck while be driven on the highway by stones, that caused the damage. If driving on any roadway in Ontario and a flying object struck the car it is an accident, regardless of fault. In fact it doesn't matter if the car was parked in our driveway and something fell or struck the vehicle, it is still an accident and covered by Comprehensive. belairdirect's attempt to classify this as normal wear and rust is ridiculous, and confirmed by the Manager of the Autobody shop with which we deal. We carry Comprehensive coverage for a reason, and it does not matter whether the ‘flying stones’ or debris strikes the glass window, headlight, grill or any other specific part of the vehicle - Comprehensive: With this option, you are covered for any threat or danger other than collision, including theft, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of the vehicle. The only important thing to remember is that this coverage applies to the vehicle only, not passengers. I have discussed this with the Shop Manager and a very experienced body work tradesman, and they stated that the damage was caused by stones/debris striking the vehicle in that spot. So this is nothing but a ploy for belairdirect to get out of their responsibility and not cover a legitimate claim.

We were customers with belairdirect for 10 years plus and have not even had a claim in over seven plus years. To start being given a difficult time, just when we need the help of our insurance company is a disappointment. We have attempted to resolve this matter with the company but to no avail. We will be getting rid of belairdirect as our Insurance provider because of this incident and their unreliability in terms of providing coverage. We filed a complaint with General Insurance OmbudService of Ontario and will also be contacting other government and media consumer protection and advocate agencies to ensure this story gets out to the public and on file. The belairdirect Insurance company already has a noted reputation for this kind of despicable conduct and rip-off, and now we understand the reason. We have owned vehicles, been driving and have carried insurance for over 40 years - STAY AWAY FROM THIS COMPANY!