Belairdirect Auto Insurance Reviews

These guys increased my premium on the auto insurance by 30% in the past two years (10% in 2016 and another 20% in 2017). Last year they at least sent me a written notice in regards the changes. They didn't bother to inform me this year at renewal, I just noticed the changes while checking my bank account where they take the premiums from. Their customer service wouldn't respond on my complaint when I tried disputing the changes. Before anyone would think the increase is due to my claims; I had no claims for many years and I'm sitting in the best available -15 grid level. Where does the money go then? My best guess is their expensive (and idiotic) TV commercials, I don't see any other insurance company spend this much on advertisements.

Unbelievable. Today I called to tell them that I will no longer be driving my car to work. The customer service person readjusted my pending July renewal to reflect this and gave me the new number. It was higher! I said, "Why is the new rate higher than when I drove to work?" She says that my car is at greater risk sitting in West Hamilton in my driveway, than if I drove 25k to work, and that the conversation has been recorded when I said that I would not be driving to work, so I can't change my mind and say otherwise now. Drive to work -higher rates. Don't drive to work -higher rates. Does this make any sense? I'm not making this up.
I'll be pursuing this with a supervisor tomorrow. I've been a 30 year customer with a less than $200 in total claims over that time. House insurance -up 10% every year for the last 4 years, no claims ever in 30 years. I'll be shopping both policies if I can't hear something that makes more sense than what I heard today..

Very expensive!! Not at all worth it. Auto merit is a joke. So much for grey power.

I have been with Belair Direct for at least 5 years, ever since I have had a car. They are easy enough to get a hold of, especially with the online chat feature. However, I have made the decision to remove my policy with them as of recent due to the lack of customer service. When I began my policy with them I had added the winter tire discount to my policy. However, in 2015 apparently this discount was removed, but then added back in January 2016. Since my policy was pretty much automatically renewed each year, there was no reason for me to share all of the minuscule details with them such as winter tires, nor did they ask. That means I went 16 months without having this available discount applied to my policy when I had originally told them I had the tires. Belairdirect also refuses to refund me all of the missed time. There is no reason why I shouldn't have been asked whether I had winter tires or not every single time I communicated with them and they looked into my policy. This is just another company that doesn't care for its customers.

I had been an accident free driver since gaining my insurance. However I was hit by someone on their phone in a parking lot. I was backing out of a spot, saw someone coming and stopped. As she approached I could see she was on her phone and the front passenger headlight went under my right rear fender. She struck me, admitted she wasnt paying attention at the scene. So I though "its a minor fender bender, she's ok, but I'm going to report it anyways just in case". I come to find out she completely lied on the police report, Belair said they would 'investigate'. Well, their investigation took all of 45 minutes and assigned the fault to me. No explanation, nothing. I had come to a complete stop, to allow her right of way(technically I was entering the 'roadway'), and she just drove straight into me.
My claims person was less than helpful, the sales said my insurance was going to up 250$ a year(which I've spoken to police, and they agree that she struck me). I have told them I will be fighting the decision. I was paying 134$/month total. Now remember the 250$ increase? Somehow their math that equates to 184$/month. Needless to say I am jumping ship ASAP.

Anyone thinking of obtaining their policies from this company should really shop around. I use Clicassure on line. They operate with multiple insurance companies. Once you filled out your online forms, you will receive a minimum of three quotes.
I did this and discovered that for exactly the same coverage for my car and house, I was saving 1 000$ a year. I was with Belair Direct for 25 years. That means that I gave them 25,000$ of my hard earned money.
Plus when I told them that I was cancelling my policies with them, they told me that there was a service charge for doing this.
NEVER AGAIN. I told my wife that there was reason for their constant TV advertising. If a company does good business, their advertising is done by word of mouth.....

I'm now well into my second year with this company. I just recently moved and switched over my address. Apparently, my new address is such a high risk area that my premium has gone up $860 per year.. Are you kidding me?! My policy expires in February and there's no way I'll renew. My insurance went from under $2100 a year up to $2900. I was thinking about adding a second vehicle, but I quickly changed my mind when I was quoted almost $5000 per year for two vehicles. Where's the multi-vehicle discount they tout on about so much? (Full coverage on one and just liability on the other)

I was also informed that I don't have accident forgiveness unless I pay extra to add it to my policy now before anything happens. They never bothered to tell me this when I signed up.

In addition, I had a speeding ticket for 15 KM/H over about 3 and a half years ago. I was told that it's still on my record with Belair until my policy renewal? What?! So they can increase my rates through the roof for a change of address, but they can't remove the ticket until renewal? What a scam.

I highly recommend avoiding this company at all costs.

belairdirect website misrepresents what they really offer. when they provide a quote, they don't tell you that they are basing it on the client switching all other insurances to them. they don't give you a straight answer as what your insurance will be. they make you call in, waste half of your day just to provide you with a ridiculous number which you wished you had never called them.