Belairdirect Auto Insurance Reviews

I can't speak for services in other provinces but I have nothing but good things to say about belairdirect in Quebec. They were always friendly and helpful. I had one claim with them when somebody backed into my parked car. The process of getting my vehicle repaired was as stress free as possible. The province's no fault insurance and low rates helped the experience but, overall, it was the positive interactions with many different representatives that moved me to write this review. Good service shouldn't go unnoticed. I recently moved back to BC and deal with ICBC where my only complaint is the high rates: $100/mo compared to the $35/mo I was paying for the same coverage in Quebec.

Belair Direct advertises that "your first claim will not affect your rates". That's not true.

My first (and only) claim. I was parked on the street. Someone backed out of a laneway, hit my car, and took off. The incident was captured on a restaurant's surveillance cameras, but we were unable to get a licence plate number from the video.

I submitted a claim to Belair Direct, and almost immediately, they responded, saying this was an "At Fault" accident. (I wasn't even in the car, so it puzzled me how I was "at fault".) But the people I spoke with were adamant, and they were quick to point out that my "rates would go up" because of this accident. (What happened to their advertised statement of "your first accident will be forgiven"??)

As it turned out, I had to go to the police reporting center so that the accident could be "evidenced" as being a "hit and run". How was I to know? I don't get into accidents on a regular basis, so I'm not instinctually familiar with the process. But once I did this, and had it submitted to Belair, I received a letter saying that my rates would not change.

The bottom line is that Belair was "gung ho" to increase my rates based on this "first accident claim". You might say I was held "guilty without jury". They had the virtual noose out before I was able to even attest to my case. I was "attacked" by this company before my situation was heard.

In my opinion, this is despicably poor treatment by an insurance company, especially given the nature of their advertisements. Given the way I was treated, their advertisement of "your first accident will be forgiven" is a total lie. I would not do business with this company given their dishonest nature.

I have been with belair for 10 years. When I have just joined they did offer competitive rate for my car, but were gradually increasing it year after year, despite lack of tickets, claims etc, so I am not happy about that part.
Interesting fact is when I had claim they have actually decreased my premium, but given they were raising premium every time I had no claims I find it quite logical.

When I got my first and only claim (car was hit on parking lot, I wasn't in car but I have managed to catch the guy and get his insurance info before he drove away) belair shown exceptional customer service.
I was first offered by guy to cover my repair, but then he started pulling back, not returning my calls etc, so I have filed the claim only 6 days after the fact. They said that my situation is quite common and that they will do verification and will proceed. End story: They covered my rental, let me select the body shop of my choice (not that I wanted any particular body shop, but I heard horrible stories about some other insurance companies that send you to particular place). Body shop fixed everything, but delayed by 2 days as they had to repaint few times, but again I did select them myself. The Belair extended rental for 2 more days, no questions.

My experience with them during the claim was exceptionally great. I am sorry to leave belair, but they are just way too expensive now.

I read the reviews here and just shook my head and laughed. I have been with Belairdirect for going on seven years now. Never had an issue with them as I had with some other well known insurance companies.
In fact, six months after getting my insurance a freak accident happened where a container door swung open and dented the top of my car door while I was at work. The owner of the container transport company wanted to offer me $250.00 not to put it through insurance. Well it cost way over that to get it fixed and the car was only six months old too.

My claim was taken care of right away, the car fixed within two weeks and insurance rates didn't go up. In fact I was called back to see if I was happy with the repairs done to my car.

I also moved from a very good area to a not so good area and that I will admit, but the rent was a heck of a lot cheaper. My insurance did go up $45.00, but then was reduced later since a park in a indoor secure garage. I called other insurance companies and man they wanted $400 and more for the same coverage in the same area. And since there was a claim put in for the door, well that upped the price more so.

I have had insurance with four other companies, even the good hands people. Believe me when I say, you don't want to put a claim in with those companies!

I have no complaints with this company whatsoever and my partner switched to them as well and she is saving $200 and somewhat compared to her other insurance company. Which by the way called her and tried to offer her a sweeter deal of $50 off of that $200. LOL

If you are not happy with a Insurance company, then go some place else. There are tons of them out there that will gladly take your money. Oh and being passed through to four adjusters is nothing... lol Try seven with someone else and then being kept on the phone waiting for 20 minutes only to hear click and a dial tone!

Say what you want about Belairdirect, I for one am happy with them!