Increase deductible
by Gman2006 on Sep 13, 2019
1 out of 5 stars
Belair Direct raised my car insurance by 30% because I moved next door... Literally moved from apt 103 to apt 102 in the same building and I have the same parking spot and driving habits. Worst company ever... I would never buy insurance from them ever. This company is designed to steal your money and provide you with little to no service. Avoid at all costs.
Switched initially because of cheaper rates. Was a customer for 5 years. Initially paid around 175/month was going lower to 160/month until this year 2019 they bumped it to a nice 220/month! Why are loyal customers who have had 0 claims, tickets and accidents, treated in this way? I wrote them an email asking them why I am punished and that I will be looking for a new provider if there is no explanation. All I got back was an auto-reply stating my renewal policy will be cancelled on my renewal date. This shows you the disregard they take to customers. No explanation, no trying to win you back, no matching better rates. This business is a scam.
If you have a good driving record in AB, you should pay around $110/month (women - $105/month and men - $113/month). Do you overpay? Get an Alberta car insurance quote to start saving.
I had a car and home insurance with Belairdirect, customer service was awful and no respect for the client. When you talk to them and ask for a discount, they answer that they aren't a grocery store. They increase insurance without any reason. Please don't go for them.
The rates they advertise through Google Ads are misleading. Many hidden fees and they've applied discounts that don't exist.
My first and only accident I ever had was three years ago! My premiums went up I accepted that. Since then my premiums came down and I was excited thinking I was doing fine, I never had not even a speeding ticket and now my Insurance was up for renewal my premium jumped from $175.00 to $257.00 without even an explanation as to why it has gone up, the sales representative can't even tell me why my premiums went all she did was talk a bunch of bull.
Did you know that on average Ontario drivers with good driving records pay $1,805/year in auto insurance? Is your insurance rate higher? Get a free car insurance quote and start saving today.
Last year I decided to try out Belairdirect as the quote seemed reasonable at the time. I had absolutely no claims throughout the year, not even a ticket. When I called, they even praised my driving record. However, I just received my renewal documents and my car insurance went up 37%! My home insurance went up another 20%! Feeling robbed right now and quite honestly surprised this is allowed by law. Needless to say, I will not be renewing with them... I would give them - 0 stars if I could.
I was previously insured with Belair in Ontario, paid $131 monthly full coverage, I moved to Alberta and my monthly payment was now $352. I have been with the company for 7 years, I have a perfect driving record and find it crazy expensive. Fast forward 3 months of being covered in Alberta, I moved to Manitoba so naturally, I switched my license and insurance. I now pay $128 monthly. I called Belair to cancel my insurance and they charged me a $250 cancellation fee. I moved, I did not just switch companies. I was told if I moved provinces that I would not be subject to cancellation fees but was obviously lied to. I wasn't offered a break or anything she was just like well this is what it is. So overall not impressed with the company but again, who likes insurance companies...
I was originally concerned because they were one of the better-priced insurance companies we found, so my concern is that I would potentially experience poor customer service - but not at all. We have had to do a window chip claim which was quick and easy. Then when someone else dented the side of our car, we had to go into a body shop. Even though I had to deal with a claims agent, repair shop, and a car rental company, it felt like dealing with just one company. Everyone I interacted with was friendly, respectful, and effective at their job. Expectations were clearly communicated so I knew what I had to pay for (or not pay for), what information they required from me, how much time it would take to complete repairs, and how the drop off/pick up would occur. The coordination of the insurance company with their partnered businesses is amazing and left me stress-free through the process. We also had an instance where we wanted to understand the transfer of insurance to a rental car when we were going on vacation. The rep we spoke with was extremely helpful and clear. They were able to process our request and update the information for us promptly so we had what we needed in time for our trip. Glad we checked and glad we added the extra $ for the added driver on our rental insurance.
My car insurance rates virtually doubled in the two years I have had my current car. No claims, no accidents, no changes to my policy. Phoned to discuss and they admitted that they had gone up a lot but hoped they would level off in the next few years. Unbelievable!!
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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.