Belairdirect Auto Insurance Reviews

Do not use this company. I applied for home and auto insurance two months before my previous policy expired. I was told that they, (Belairdirect) in order to start the process of setting up an account, needed my banking information. I explained that I didn't want to do this and I was told that they couldn't offer me a policy until I did. I told them that they better not withdraw from my account and that I would make my payment via online banking. Guess what, they withdrew the full amount 6 weeks before they were supposed to and didn't heed my warning. I then phoned them back and cancelled my policy. Then to top it off, they just withdrew more money from my account after I cancelled. This company, in my opinion, is very incompetent.

The quotes are too high and when I cancelled, they said I owe them money and try to put me in the collection agency! Never would I tell anyone to use ever!

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.

It's funny how they "renew" your insurance for another year, when you clearly told them to cancel it before it expires. I called many times to make sure it's cancelled. They keep insisting and asking why am I cancelling it. 5th times that I called, Why did I receive a new insurance card and it looks like it's been renewed, so then I asked, why is this? He said he does not have any access to the account, try calling again tomorrow. Called again for the 6th time, finally a nicer person picked up and called me back the next day to fix the issue (hopefully). Still waiting for them to give me my money back (deposit) and the answer and a confirmation that my insurance has been cancelled. Overall, the answer was "THEY MADE A MISTAKE" of cancelling my insurance, they renewed it instead. This has been almost a month, until now.

I was insured with Belairdirect for 13 years with multiple vehicles and home insurance. The last few years with (4) vehicles so they were pulling some good coin from me every month; My son slid into the ditch Jan 28, 2013 from an ice storm and had a small fender-bender in a mall parking lot in 2015. So they cancelled my insurance - well THANK YOU !
Their "rules" are (2) "at fault" claims and you're OUT ! regardless of the circumstances and I kinda get that. BUT from a dollar-value I was worth it and still am with (4) vehicles & Home Ins. So I cancelled my home insurance with them Sept 28 2016 and have new auto insurance. THAT'S CHEAPER ! so THANK YOU BELAIRDIRECT for cancelling my insurance you are saving me money...who knew :). If my son had (2) "chargeable" at-fault accidents I would get that a little more.

Horrible.

I'm a driver with no prior accidents, no parking tickets, I put snow tires on my vehicle every year, and I also participated in their Automerit tracking program.

After a year with Belair, I was forced to move. My new apartment is 4km away from my previous apartment. My car insurance rates shot up over $700/yr. There was no way to reduce the rate.

I shopped around for a new insurance provider and spoke to a Belair rep about what was involved in cancelling. At no point was 'cancellation administrative fee' mentioned. I found a better rate with TD Insurance and called Belair to cancel. You can imagine my surprise when I was charged over $250 in cancellation fees.

It seems odd that they can change rates as they see fit, essentially changing the terms of a contract, but when I'm unhappy with this and need to find a better rate, I'm penalized yet again. I guess I would have had to stay with Belair for another year to cancel with no penalty?

They also charge an interest rate when you pay monthly. Not all insurance companies do this.

What a horrible way to treat a customer.

I moved from Alberta to Ontario. Had lived in Ontario previously. Belair direct wouldn't accept my Alberta abstract that was a few months out of date and made me get a new one which was a complete hassle as I was in Ontario. I have been driving since 1970 and they wanted proof. My insurance was with their partner firm Canadinn Direct for past 15 years,but they told me that I had to obtain proof though that is contrary with what I had been told by Canadian Direct. Though the price for insurance was double what I paid in Alberta they said it was discounted if I insured my home with them? I agreed, but when applying for the insurance they said they won't insure it because I have a wood stove. Also they tell me I must use a GPS tracker in my car! This is after they sign you up! Terrible service!

I had been with Greypower for six years and at 2015 renewal time recieved a letter stating my policy was now with Belair Direct. My renewal premium was lower by $300 so I was happy. One month later my daughter kindly bought me a new car. When I contacted Belair to make the change I was treated like a criminal. They wanted another $200 for an accident that was not my fault and happened 9 years ago! . After 2 hrs on the phone, a conference call with my former insurance company for confirmation that the accident was not my fault and fault was not attached to my driving record and checking with BC insurance (the at fault driver's insurance), they finally agreed not to charge me for that accident. We finalized my policy application, which was approved, I paid the full premium by credit card and confirmed that I would receive a letter detailing the credit for the first policy on my old car. I asked him "are we finished now, is everything good?" The reply was yes. The very next day, the same agent called me saying he had forgotten to include the premium for another accident in which I was parked at a gas station putting air in my tires when another driver backed into me. His insurance covered all repairs, but again I was being penalized for something that was not my fault!! For this they want another $63! Unreal!! I too am looking for a new insurance company! No way would I ever recommend Belair Direct!!!

I did the online quote then spoke with an agent. The quote then doubled so I looked at other companies and found a MUCH better policy that offered a lot more for less premium. Immediately requested Belairdirect to cancel the transaction and they took money out of my bank account, despite me placing a stop payment. I have made several attempts to recover this money and as of right now, they have not refunded my money and continue to try to take monthly premiums from my bank account. I have received a response that someone is "looking into" this matter, yet it does not appear they are doing that. I cancelled everything on Apr.20/22 and it is now June 4/22.
A very despicable way of doing business!

Cancelled my policy with no notification... It is 2021 make a system that properly notifies customers via email or SMS to mobile # on file. Mailing out invoices to the wrong address is exactly why this happened. Also, the lack of moral ethics in BelairDirect to cancel any policy with a customer during a global pandemic is absolutely shameful.