Belairdirect Auto Insurance Reviews

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!!!

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!

I called to change my address and they increased my payment amounts. I was moving within my city - literally a few blocks away - and it went up $300!!
I switched just a few months ago because they were saving me money from my old company. Now I am paying MORE than I was paying before.
I will be CANCELLING my policy as soon as it is time for renewal.
HORRIBLE company

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.

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.

I was a happy customer for 3 years.
Because of this, I decided to quote tenant insurance with Belair Direct.
Note: I was moving out of my parents house, leaving my car at home for times when I visited and eventually sell the car when it was no longer useful.
Belair Direct processed my quote request for tenant insurance, then called to inform me my car insurance would be increasing by $500 because I was moving to a different neighbourhood. I told them that I had no intention of moving the car, it would actually be driven less, I had not leased a parking spot at my new location and would sign any documentation necessary to avoid the increase. I was told that I had "implied the vehicle was moving" through my quote request, and there was nothing they could do.
Instead of providing them with additional money for an additional service, they tried to force me to pay more for the service I started with.
I ended up paying to cancel my car insurance because I was so frustrated, and I sold my car much earlier than I had expected to.
Now, they continue to email, mail and phone my parents house to discuss "important updates to my car insurance", even though it's been 2 years since I've cancelled.
They're a great company until you have any type of problem. Then, you can't get the same person on the phone no matter what you try, and you have to explain your situation to every new person.

Stay away. Far, far away.

We switched to belairdirect in Sep. 2013 because their rates were lower than the competition. We're now in Aug. 2014 and were just notified our premium was going up by over $350/year for bogus reason ("the company increased the premium due to where we live, the kind of car we have; blah, blah,blah").

Needless to say we're shopping around for a new insurance company.

After 5 years payment to Belair at the time of Renewal I would expect to see the rate going down because of no accident ,no fine and no claim !
BE Lier increase my car insurance more than 30% !!!!
one customer said :I’d guess, someone has to pay for people who get into accidents on the road, and that someone is You, not Belair.

I have several cars insured with Belairdirect. I just received an email from them stating "After careful review of the policy mentioned above and based on new information, the following modifications will be made to the policy as of the effective date indicated above: Increasing your comprehensive deductible from $200 to $1000. Your revised policy will follow shortly." I've never had an issue Canadian Direct (their predecessor) for approx 30 years. With this particular vehicle we've had two claims in 10 years. The claims were 1 windshield replacement and last year the back window blew out when I was replacing a hatch strut. Needless to say with this type of customer service attitude they will be losing my business on all my vehicles. I'll also share this on social media.

We have been a Belair client for years and have never been in an accident. Unfortunately, about 6 weeks ago, we got into our first accident and have had the displeasure of having to go through the Belair claims process. The initial intake process was smooth and relatively painless and the customer service was friendly. That is when things took a terrible turn. After a week and a half, it was determined that the vehicle was a “total loss” meaning it was being written-off and it was determined (wrongfully) by our adjuster that we were “at-fault”, despite the police report stating the opposite (there was an officer on-scene who happened to witness the accident). This is when the nightmare began. First, they rushed to send us an email settlement offer (which we did not receive as it ended up in the junk folder) and terminated our rental vehicle coverage on the same day the settlement was “presented” without notifying us. We learned that the rental car coverage had been terminated 3 days afterwards, only because we called to follow-up on the status of our claim. It was on this call that we were advised that a settlement offer had been made, and had to search through our junk mail to find it. After reviewing the offer it took three emails and three phone calls to our adjuster to FINALLY get a call back on the issue of ‘fault’. Both the police that attended on the scene and at the collision reporting centre agreed that it was the other driver’s fault. However, Belair, when prompted for an explanation, simply said the other driver’s statement was the reason for their determination. Rather than choosing to follow the police report and represent our best interests as their client, they decided to take the other insurance company’s position. We have escalated this to a ‘manager’ and were supposed to get a call back in 24 to 48 hours. We are going on three days now and have yet to receive a call back on this point. With respect to the settlement, the offer was woefully below ‘fair market value’. We have been back and forth over twenty emails now, providing them with comparables for sale in addition to values calculated through both Kelley Blue Book and Canadian Black Book's total loss evaluation tool and have only managed to get them to go from about $2,600 to $3,600 (all comparables are in the $4800-5800 range). We are only asking for $4,600, but they are deciding to dig in their heels over less than $1,000. Finally, I asked them to provide their valuation methodology and comparables. They provided me with a list of 5 "comparables" all of which have between 55,000-65,000 kms more than my vehicle (not to mention one of the vehicles has a manual transmission where ours was an automatic). The moral of this story is that if you are looking for an insurance company that, in the rare instance of an accident which is an understandably very stressful time, will support you and help alleviate some of the stress, do NOT consider Belair as an option. They will add ten times more stress than the initial incident itself and drag out the process and do whatever it takes to pay out as little as possible, hoping that you just give up and accept their low-ball offer out of frustration. Save yourself the stress and aggravation and run as far away from this company as possible. The online reviews do not lie. You are better off paying higher premiums and actually having an insurance company that looks after you and offers superior customer service and a proper payout in the unlikely event of an accident.