Belairdirect Auto Insurance Reviews

I never have a single call with Belair Direct that ends with me being happy.

They increased my insurance this year by 40$ a month. With no accidents, no claims, no tickets on my record in the past 6 years and no incidents on my wife's as a secondary driver in the past 3 years. Their excuse is "rates go up." Rates aren't supposed to increase 40% with good history. They are supposed to decline with good history.

When we had a claim 3 years ago where my wife was involved in an accident where she rear-ended another driver who cut her off then fled the scene, she was deemed at fault and our vehicle, that we spent $8,000 on 3 months prior, had a $3000 repair bill, they wrote it off and gave us $4500. Deeming the vehicle that still had a black book value of 7k, only worth, 4500. Con artists.

Their app to track your driving is awful. You as a passenger sometimes get the choice to say you were a passenger, but it would often track driving I didn't do, and not even let me report passenger. And as a driver, your phone falling off the mount, or being used by the passenger, would screw up your tracking too.

If your automatic payment bounces because you don't have the money at that exact moment. The bank charged you a 30$ NSF fee, and Belair Charges you a 45$ NSF fee for no reason whatsoever. They admit the charges are automatic, so there is literally 0 time and effort they put into charging you, so their argument of having to pay for people's time to charge it again is redundant. It's just a scam charge. I knew I wasn't going to have enough money for this month's payment. My payment date is the 14th of every month. So I called today so I could pay with credit card. They said they already sent the payment to the bank, even though I am not supposed to pay until the 14th, and they can't do anything about it. But since I knew it was going to bounce, I could pay it now, and pay the 45$ fee on top of it. Even though I am offering to pay early. Biggest scam artists out there.

I have been trying to switch insurance companies for years but ever since my wife's accident, that wasn't her fault, but legally deemed as her fault. Every insurance company comes in 200% higher than Belair because we had first claim forgiveness on our account. So I can't justify switching companies, since all insurance companies in Ontario are a scam.

If we could give them a zero-star review, we would. This is the worst insurance company we've ever dealt with, and frankly one of the MOST unprofessional companies we've ever dealt with as well. Our 2022 vehicle burned to the ground over a month ago, and since then we have had to follow up every week (sometimes more than once) and the adjuster has called us ONCE. We have been assured she will call, and she never does, or she claims she did, but there are no voicemails and no record of the call. We have always been timely in our premium payments, we have never made a claim on ANY of the 5 vehicles insured with them (which will be cancelled as soon as the current claim is resolved), and the level of service we have received has been abysmal. Every time we call to check the status of the claim, since our adjuster never calls or returns calls, we get a different story about what the status is, we get told that the adjuster will “call back”, we get told *there is no customer service department or supervisor we can speak with* unless we wait 24–48 hours for another callback (which shockingly haven't come yet). This company appears to promote thievery as well, given that they have refused to consider the FACTS when replacement value came in $13,000+ lower than it should have, and we had many compatibles that showed the delta to be even higher. The adjuster and supervisor at that time stated that they would not consider the compatibles, and that the payout was the payout. This was one week ago today, and when we called for an update today (since the check has not yet arrived), we were told there was no check and that they were still reviewing. What an unprofessional, frustrating, INCOMPETENT company to deal with.

Insurance policy was cancelled without warning and with no attempt to contact me due to “non-payment”. The company has my address, email, and phone number, and yet I did not receive any communication of an issue with the payment at any point. I only found out when I was required to renew my license plate the following year - and Belair expected me to pay an extra $2000 each year because of their screw-up. Save yourself the hassle and go somewhere else.

I was with Belair for almost 3 years and I never had an accident and I never made a claim and they raised my premium based on cars being stolen in the GTA.

I got rear ended and they sent me to their auto repair shop and told me my deductible was $0 when it was time for me to pickup my car the auto shop is saying I have to pay $1000 to get the car and they cannot release the car until BelairDirect send them an email saying my deductible is $0.

For Injury claim was the same issue they gave me hell and the process was long and repetitive. And i was using my personal health insurance. Belair is not a good company and they are disloyal to their customers they only want your money. When it’s time for them to do the job you’ve been paying them for it’s a big issue.

BelAirDirect quoted and confirmed (2 agents) between the quote and the actual insurance $1153/year. Now, less than a month later, after a 30-minute conversation they say “the first two made a mistake" as to why my insurance premium is $40 extra per month than agreed upon. “Nothing” they can do about it. I genuinely can't believe it, and there's supposedly nothing I can do about it.

I called to pay my NSF, was told my policy was canceled due to none payments. I paid my NSF, was told I could open another policy. They wanted full amount over $2000 I had only 1 cancelation. I've been a good driver for 30yrs, no tickets. The agent told me I had 2 cancelation after he put his company in which I paid amount owing $215. I was canceled for literally $215 didn't give me a chance to explain. He stated I won't find anyone cheaper or do monthly, he was wrong. I found another company cheaper & did monthly. This Company are liars.

The worst company I have ever dealt with. Never get insurance here! They tried taking a double payment, when my policy started on a new billing cycle they still took money from my account for the previous month that I did not have insurance for. Try calling and speaking to an agent to change my payment date, and they advised it would be a double payment as it is a month-to-month contract. Call back to cancel as I found better insurance for over 1200.00 cheaper per year, and now it’s a year's contract, even though I spent over 45 minutes the day before with the agent telling me several times it’s a month by month contract. Was advised that I would have to pay 175.00 to cancel, advised I wouldn’t pay that they put me on hold to speak to their manager who refused to waive the fee when I asked to speak with him about his decision I was told oh he doesn’t talk to the consumer. This company is not worried about the consumer, just about the money. Such a lack in customer service and empathy. Advised them to listen to the taped conversation before he decided not to waive the cancellation fee, and was advised that’s not his job? So now have to wait up to 48 hrs to speak to someone else to get the fee waived, which we know will be denied! Worst company when it comes to service and the consumer, they only care about money!!!!

Got rear ended, accident not at fault!
Miscommunication between adjuster and insurance! Insurance “belairditect” then threatening me that I will pay for the rental fee if I can’t provide proof with invoice date!
The adjuster ordered the wrong parts, the adjuster did not communicate with the insurance rep. My bumper was not even on the car yet and they wanted me to return the loaner! Talk about customer service !!!

2 small claim in 2023 0% responsible accident, insurance went up 50%. Employees are rude and not fully trained. Their auto repair center will jack up the cost of repair, they will charge you a lot for a small repair, and the car rental was in the invoice too. Stay away !