Belairdirect Auto Insurance Reviews

Belair doesn't care about anything. If your mother, father or kids die, they will still charge you their cancellation fees, pathetic. I had a family tragedy and I cancelled my auto insurance less than 1 week late (obviously other more important things on my mind) and they charged me their $400 fee. I have already started lobbying family, friends, neighbors and coworkers of their PROFITS FIRST attitude. Thank You Belair for treating a decade long client like an ATM.

So, this is the first time I had insurance on my own. They offered a great rate on my first car, but after it was written off, things went sour very quickly. First of all, it took them a month to sort out my accident claim, which I was not at fault. They only reason the claim was resolved was because I had to do all of the leg work personally. I did 100% of their job just to get my claim taken care of.
Now that I'm up for renewal, I decided to look into other companies, since belairdirect wasn't giving a good rate on my newer, safer vehicle. I was offered a way better rate with way more coverage somewhere else. When I asked Belairdirect if they could lower my rate for loyalty, they told me no. So, long story short, they have very bad customer service, they don't do their jobs, and they're really not there for you. Save yourself the hassle and look elsewhere.

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.

Belair representatives are not fair, honest, friendly nor did they solve my claim in a timely manner. I gave all info needed within 2 days of filing my claim. It took them over 3 months to send me a letter stating I was not at fault in the accident. I then obtained insurance with different company and the file said the status of claim was still pending. I was not receiving info in timely fashion, I was getting continuous incorrect information sent to me (date of claim etc), continuous misspelling when communicating which made it very hard to get the correct spelling of thier chosen appraisers name (biased appraiser). Reps ignored my questions about my claims and complaints. The same rep that called me about information I had already sent to her days prior that she somehow couldn't find but was most definitely sent. Toddlers are better at communication then this woman. I found a complaint service called ombudsman online and went through them to solve the rest of my claim. After i hired an independent appraiser and accepted a settlement, a rep from toronto office lied to me saying she recieved one document but not the others(ownership and key). She said that because she made a mistake(forgot to say sign back of ownership) i sent everything together in one envelope 45 min prior to the call so i knew she was lying. I cancelled policy due to mistreatment.

Belair Direct gave us a real good quote and they told us that they had to send me out a application form by postal mail and that I would have to send it back the same way. Then we were told we would have to wait up to 17 business days once they receive the form to have the form processed. We waited all 17 days only to find out that they rejected it because they said we got our address and phone number wrong (WTH??).

Called another insurance company and got insurance the same day.

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.

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.

they are cheap insurance and i now see why.
they determined me at fault for a no visibility due to weather accident.
they then said i could appeal up to a year from being found at fault.
then i tried to appeal it they said you can either have insurance or not.
i now(5 months later) get a call notifying me my policy will not be renewed,
thanks ass hats.
you really have insurance until you need it.
careful the second you use it you will pay for it in everyday possible.
you get what you pay for.
highly not recommended.

I had my first at fault fender bender, in March this year and got accident forgiveness...how nice!

I traded the vehifcle that was being fixed and bought a brand new one.

Here's the kicker!

My new vehcile is at the same body shop as I had wonderful hit&run damages. It was in a parking lot. I didn't notice until it was pointed out later. So didn't do a police report, because I thought I could get it fixed.

The bodyshop showed me more damages incurred by the hit&run, when we were looking over the damages that I saw,

This insurance company basically that no police there's no report, then I'm automatically "at fault". Plus, the premiums are going to increased.

PATHETIC!!! Is there actually an insurance company that looks at driving record and invidual themselves? I sincerely doubt it!!!

After an application was submitted for auto insurance, the company made me wait one month before I had to contact them to find out something was missing on the application. The application had the words "n/a" and ""none" required to be placed back in the ORIGINAL papers. They said they would send the letter in the mail right away. It didn't arrive and I had to contact them once more. They said it was sent already...lies and laziness causing me hardship. My previous insurance was cancelled since I had a quote from Bellair and I thought it would take over. Now I am 3 weeks without insurance and they are taking their sweet time with my application. I filled out a another BLANK application and submitted it on a thursday. I called every day the following week and they received nothing. Yesterday was already 2 weeks and they said once more nothing had arrived. How could that be??? When I told them I would have to look for another company because this is ridiculous, the phone rep (not customer rep) said she would make a note. 2 months now and no insurance!!! so Frustrating!! PLEASE STAY AWAY IF YOU DONT WANT CHAOS!