Belairdirect Auto Insurance Reviews

My wife's -15 rating and no accidents and no tickets and 33 years of driver experience yielded a renewal increase on her Lexus of over 30% due to start this coming July. I thought there must be an error and called. The excuse was everyone's going up and luxury cars are expensive to fix... insisting there was no error on the premium. And the young man had a real negative attitude towards customer respect. I also have a spotless record, -15 with 38 years licensed and insured. Was with Canadian Direct since they started up and got pushed over to Belair with the take over of CDI. During that transition, I got hosed for over 15%. I am currently shopping as I plan to leave these guys, 2 autos and home insurance. Retiring later this year and I feel uncomfortable that they will continue to raise rates. I do not trust Belair after this second hike in premiums.

Got 'stuck' with Belairdirect when they took over Canadian Direct. When it came to renew, I had to fight for a comparable premium rate through many emails and phone conversations. Very reluctantly, they finally agreed to the minimum mandatory liability in Alberta of $200,000. Time to renew this year and they have increased my premium a whopping 30.5% for no reason! When I complained, they cited 'statistics' (everyone knows statistics can be manipulated) but my research on the internet does not support any legitimate increase of this magnitude. I am so tired of insurance companies trying to screw over the customer just because they can (no regulatory body monitors their business practices) and they also spend tons of money to woo brokers to recommend their business -- instead of just being transparent, ethical and reasonable with their customers. What a frickin' scam!

Worst customer service. Worst Management, worst company I ever see in Canada. Please take a movement to read and know more about this company if you want to avoid high Blood pressure and save your money. DON’T believe and don’t trust those people. I had been more than six years with CDI. Unfortunately, one day they switched me to Belairdirect. They promised that everything will be the same. But that never happened. The same day they raised up the price 20% for two auto policies. When I called, they said everyone rose up. The second year the same happened: they raised them again another 20% although I never had any claim or any tickets. I walked in and discussed with one of their agent. I asked why you raise up the price without any reasons?? She answered: "We had so many claims this year and the company paid too much money to cover them". I asked: "But I didn’t get any claims or tickets. I have been with CDI. The price never rose up. On the contrary, they used to give me yearly 10% discount because I never had any accidents or tickets. Plus they gave me a lot of benefits such as: Family Protection Endorsement Comprehensive Cover - Limited Glass Accident Forgiveness (Accident rating waiver endorsement) PLUS PAC - OPTION B: Loss of Use, Legal Liability for Damage to Non-Owned Automobiles and Emergency Service Expense endorsements". She tried to push me to accept some reduction of my coverage to try to reduce the price. It is a fake way to rise up the price. After pressure, I did accept. This year is the fourth. Again. The same stupid conversation. Same question. Why you raised up the price again?? The agent answered: "We had a lot of claims, cost the company too much. And all the clients are in the same pool". I asked: "Is it fair to take money from me and give it to careless drivers and the bad drivers?" He answered: "If you need to fix a pumper, it will cost more than what you pay". I told him "this is the nature of your business like so many other insurance companies. You don’t do special things. If your owners of this company are not happy with this business, they have to shut it down". Anyway. I am so sorry if my notes big. But I wouldn’t give any quarter star but unfortunately, the minimum is one. I am looking now for another company and will leave it soon.

I thought my 60% increase was bad compared to some of your stories but they are just ripping everyone off. As soon as they took Canadian Direct over, things went downhill fast

I've been a driver since 1968. I had 2 accidents (minor) - one in 1970 and one in 1972. Not one since. I joined "Grey Power" because they offered decent prices for older drivers with good driving records. I was satisfied with them for several years and then Belairdirect took over. The good rates continued (I have a Mercedes and a Porsche Cayenne) both cars are over 10 years old and well-maintained. This year there was a 40% increase in rates and being a trusting, old fool I didn't notice the increase for 3 months. I know they have to pay for the guy in the suit of armour telling us on television how great Belairdirect is... to me they are dismal thieves. I am changing companies and advise others to keep on shopping! Belairdirect is a horrible choice - I don't think my experience is unique.

I went with Belair because my parents were currently with them. Once I was set up, I was quoted at $115. I then received an e-mail informing me of a policy change to $165. I called them to ask about it and was told that they do not need to have my permission or a discussion with me to increase my rates. By the time I received the paperwork in the mail, it was over $200. The paperwork also informed me of the interest on monthly payments that I was told did not exist when I asked. I contacted them to verify that the first payment was taken out okay and received confirmation by 2 different employees that it had been. I then got a call that it was not taken out because my banking information was wrong even though it was all correct. They wanted me to pay by credit card. When I cancelled, they disputed that they were an unorganized company and tried to make me pay by credit card again. I told them to send something in the mail that I can pay with online banking and that will be it. They continued to charge me for 2 months, even though I was only with them a week plus an inconvenience fee because they could not remove the payment . They said I was lying about the two emails confirming it was paid. Happy just to pay them the amount so they never get another penny from me.

This company is run by monkeys. I will never after my year of being insured go back to paying for anything with them. After a full year of driving, no infractions, no problems, they notified me LESS THAN A MONTH prior to my policy renewing that it would be $80 more than I was currently paying. I tried to book my G (Ontario Full License), within time but was unsuccessful in being able to. THEN they decided to charge me my new rate a month before my policy actually renewed, which had not been discussed the two times I had called to speak with a representative before my payment. The first rep I talked to on the phone told me if I had gotten my G within the very minimal timeframe giving to me my rate would drop $120 dollars.... the second person I spoke to told me otherwise and my rate would only drop $100, this company has perfected inconsistency. Find other insurance even if it's a little more in pricing. You're better off.

I know they're cheap but seriously, don't go with these people. They're crooks, they won't help you, they sure didn't help me.

Trying to cancel because I'm done being ripped off is a nightmare. Can't get an amount or even an answer as to when I am covered until without making another payment, without every single piece of identification they can get short of asking for my SIN. Customer service when you're purchasing or updating is fantastic hence why they got a 2 star. Monthly payments for what you get are absolutely ridiculous. Much better/more reasonable companies around. Do your research! Don't give this company your hard earned money! (been with them over 5 years now and been ripped off since day 1. Live and learn right?)

They talk like the sweetest person when you are buying a plan but when you say you are cancelling, even if you show them you get much better rates at Johnson they treat you bad. I paid a full year premium, but when I called in to cancel my policy upon expiry, the rudest customer service agent I ever faced said that I need to pay cancellation fees. I said I am not on monthly plan but paid a full year amount, she was still insisting on paying the cancellation fees. I haven't paid the fees and I will never pay those fees. Belairdirect is by far the worst insurance company I have known in the past 20 years. BEWARE, DON'T GO TO THEM