Belairdirect Auto Insurance Reviews

I was with Belair as my first insurer, it took the better part of a month and multiple calls to customer service to perform a simple address change, which despite entering into their online system (which only works so many times before it forces an update over the phone), still managed to get mis-entered multiple times when they re-issued the policy. Dealing with what seems to be a call center for insurance for a direct writer prompted me to move to a broker on renewal and not look back.

I have been with Bellair for 4 months now and have had issues with every single billing cycle so far. My insurance was signed at $335 monthly, and every month I have been charged a higher fee for a reason that cannot be explained apparently! This month they tried to charge me twice! I always pay my bills on time so there is no reason for this or any confusion. Another thing was this month I was billed on the 8th when every other month I’ve been billed on the 19th. I do not like that they have access to my account like so to just charge to my card without my permission.

I was a customer for 4 months, called to make a claim and was informed that my insurance was cancelled. Upon further investigation I was able to find out that they sent a registered letter, I had never received such a letter. I contacted Belair Direct to see if they could tell me who signed for the letter but they would not disclose the information and just stated that since they did not receive the registered letter as being returned to the sender that it was received by the correct party. Be warned they will cancel you at any time with no communication and you will may be left without a vehicle and zero compensation.

If would be less value than one star I would give that... A. It has been 2.5 months that I suffered a loss and Belairdirect is putting me through HELL! B. They even treated and considered me a criminal to one point and then they apologized about that. C. The worst experience in my 54 years of life and hope wish and pray that no one goes through what I am going through with BELAIRDIRECT!!! They are ruthless, heartless and do not give a damn about you or your claim.

Canceled after 5 days when we realized the coverage was half of what we had with the other company. They charged 200 cancellation fee didn’t care rude and patronizing representatives we will never deal or recommend this horrible company!

I contacted Belair direct for a new auto insurance quote. They quoted me an incredible price, and after 10 minutes with the agent, I was transferred to another agent to close the deal. I have been continuously licensed for 24 years (1995 until now), and have had no claims or tickets. I was pleased with the price which was significantly cheaper than other insurance companies. I gave them my driver's license number and my wife's and then after 40 mins on the phone with them, he informs me the quote has gone up 25% because their database only goes back to 2000, and I don't get credit for my driving from 1995-2000 (ages 16-21). They suggested I get a driver's abstract from Alberta which of course is almost impossible to do from Ontario, and would require me to travel there (which they know beforehand). This was clearly made up to increase my premium. Don't waste your time contacting them, it is all too good to be true!!! Classic bait and switch. You'll waste an hour and they will try to fleece you.

My family has been with BelairDirect, also under Intact Insurance for many years. I was involved in a hit and run accident in 2018 at 0645 am and filed a collision report and report it to insurance. Because there were no witnesses or dash cams, the company was unable to determine which driver was at fault even if the person who caused the crash failed to stop after an accident. With the license plate number and the description of the car in hand, I was still unable to prove that I was not at fault. The police investigation was poorly done where a call was made to the driver's company (the vehicle was part of a company fleet insurance policy) and the driver had denied the hit, claimed that I had hit him. Intact was only able to offer me a 50/50 claim, my car wasn't worth fixing as it is an older model, it would not have benefitted me to claim anything to fix the vehicle at that point. The rep who handled my claim was unwilling to help me investigate further and come to terms with the other party's insurance policy. Simply told me there is no way around it. The claims representative failed to document the many phone calls exchanged between the times I had called in to inquire, and also left me voicemails to say that I had not been able to be reached within 2 months when I have called to their company during working hours to no response. Then the case was closed because "they were unable to contact me". Fast forward 1 year later, I had switched insurance companies and am with a new policy. The new company was able to offer me a competitive rate since the claim on my file was at 0% fault. I was just notified by my new company that BelairDirect had gone back, a year later and made changes to my claim, making it my fault for what had previously happened. Now the new company needs to increase my rate to +$130 a month because of this. I had called back to Belair to inquire about this new "change" and they claimed nothing was changed. Beware of this company, they are not looking to help you with your claim. The reps are misleading and want you to take the route that will benefit the company. On top of that, after I had sent my vehicle to Assured Collision for a quote on the repair, the rep had gone MIA and pretended that she has not received the report.

I received two letters dated the same day from Belairdirect. One letter informed me that "given the age of the vehicle, we would like".. "you send us photos of your vehicle, taken from all sides, within 30 days." The other letter informed me that "after careful review of the policy", which I have been holding for more than 20 years, "and based on new information"..." your collision and comprehensive deductibles have been increased to $1000". That means more than double. The agent on the phone was not able to clarify what "new information" it was referring to. Is it common to have the deductible raised abruptly once the car is 20 years old? There was no inquiry about any technical or mechanical data or maintenance etc. It seems to me that this company is making decisions arbitrarily trying to appear as objective and reasonable as possible. As numerous posts mentioned already, this is not a reliable alternative to the only (mandatory) ICBC. Drivers in BC have little freedom of choice.

I was tired of Belair's constantly rising rates, so I started shopping around. I found insurance with a well-known company, that was almost $600 a year less expensive as well as FULL COVERAGE and 1/2 the rate for deductible as Belair. Before jumping, I called Belair to confirm how much the cancellation fees are going to be. I was told a certain price if I did so before a specific date in Oct. If I waited until after that date, the rate would be almost 3 TIMES AS MUCH! So I cancelled immediately and signed up for the other company right away. I discovered that Belair still took out the fee for Oct/Nov! I called them and had to speak to 2 different people. Both people insisted that the cancellation fee was now the price, 3 times as much as I was quoted. Not only did they ILLEGALLY take out more money than agreed, but STILL EXPECT more! Supposedly a manager will call tomorrow, but I've dealt with the same companies before, so I know how that will go. I am investigating the steps I need to do to lodge an official complaint with IBC, Insurance Bureau of Canada as well as FSCO, Financial Services Commission of Ontario. I'm also going to investigate just how many complaints are lodged about Belair. While they are ripping me off, it will be the last and I'm so glad to get away from this corrupt company!!!

I got my cancellation notice today from Belair. "A driver in your household does not qualify, based on their record" turns out it was my ex who moved out in 2016. Not even: "Would you consider a new policy, for yourself?" All I got under the law we don't call, we just send a letter. Oh and I was reminded that I was put on notice way ahead of D day.