Belairdirect Auto Insurance Reviews

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.

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...

Unfortunately was forced to switch to Belair when they bought out my insurance company... been getting screwed money wise ever since. Today was informed my insurance is literally doubling up monthly just because I have a licensed kid in the house. Strange how my previous insurance company had no problem, no increase for him even being an occasional driver, and now with my son not even being a driver, but just living with me... is causing my insurance to almost double monthly. Have never EVER been so unhappy with an insurance company. .5 of a star out of 5... Yuck

After being unable to provide both my roommate and I with tenant insurance (for the sole reason that we were roommates), I was forced to take my business to another company that could package my home and auto insurance together.
I was charged 200 dollars as a cancellation fee for administrative costs. I'm assuming this is to mitigate any money I might save by moving to another insurance company? When I asked if I could speak with someone who could explain the charge in depth, the operator informed me that no exceptions would be made and the fee was to be paid or I would be put into collections.
A really overall unpleasant experience with a company that I not only felt I could trust, but in whose hands I had been placing my livelihood in the case of an accident. Yuck.

Unhappy with the news today. Got an email this morning about an "updated policy". Because my app on the phone to monitor my driving habits was not used in over 30 days, my account was cancelled, and all the discount associated with it. 6 months of good driving data, disappeared.
Had a discount of $~45 per month after I've been using this Automerit App, and now the monthly has increased by $90.

Talking to them over the phone, they say that the premium is something about making up the difference since I have pre-payments going on for the term. I thought this discount would be permanent, but no luck. Now I have to be monitored for another 6 months.

Been with Belairdirect for over 7 years and they want a cancellation fee. Every year my insurance goes up. Never down. I have never been in an accident. I am a professional driver with a Dz license but they don’t even consider that. They should lower the insurance for the people who actually know how to drive and don’t get tickets or claims. I will never use this company again and I will be telling everyone I know not to use this company.

Was a loyal Belair customer for 10 years. When I split up with my spouse I called them to remove him from my insurance policy and a month later they informed me that my upcoming renewal would actually be more money than when we had two cars and 2 drivers. They also informed me that my personal 10-star rating would be dropped to a four-star to "accommodate the change". This made no sense so, I spoke to two different representatives who could not get any logical explanation of what they were talking about and ended up just cancelling going elsewhere and saving over half. I don't recommend this company! They are unethical and they will jack your rates with absolutely no explanation or reason. I also cancelled well within my policy guidelines and they are trying to take a cancellation fee from me.

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!!!