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.

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.

With a combined effort which might recall the entire allied contribution to the winning of the Second Great War, The body shop which was suggested by Belairdirect was able to complete the quote in two weeks less a day.
The part time casual staff of Belairdirect were optimistic that the claims department would approve the repair within one week.
The website has been down for days
You will need a loaner car if you choose belairdirect

I remain optimistic that the car will be repaired within 2 months.

Faire face à l’apathie omniprésente et au service médiocre de l’assurance Belair
s'est avéré être la pire erreur de ma vie.

Lorsque j'ai acheté la police, le personnel occasionnel à temps partiel n'a pas réussi à transcrire le numéro VIN avec précision lorsqu'ils m'ont vendu l'assurance.
Après un délit de fuite, le véhicule a été remorqué vers un atelier de réparation.

Parce que les numéros VIN ne correspondent pas à ceux du propriétaire, la réparation a maintenant été retardée d'une semaine complète.

Le mauvais service client ne s'est pas donné la peine de retourner un appel ou un e-mail en trois jours.

Avec mon ancien assureur, je n’ai jamais eu besoin de souscrire l'assurance complémentaire pour un véhicule de prêt. Le véhicule serait réparé en moins de temps qu’il n’en faut à Belair pour corriger un NIV. Je comprends maintenant pourquoi Belair vend l'assurance pour better raison.
L'entreprise devrait vendre une assurance contre l'incompétence de son propre personnel.

Évitez à tout prix cet assureur incompétent et corrompu

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 !

I had slid off the highway due to bad weather and they wouldn’t approve the amount needed to fix my car for an out of province inspection to be completed. I had paid $1000 deposit at the garage already and the insurance advisor tried to cancel my appointment with them and book with one of their approved shops without notifying me. They also refused to accept that I needed all the work done to pass an inspection, but I know from taking to the garage that it wouldn’t have made it through the inspection with after market parts/not completing all the work.

The worst car insurance company, the worst adjuster! She never answers emails and calls. Each customer representative gives different information...

I’ve been a customer for over 10 years. Their claims rep was awfully rude when speaking to me. I was not at fault in my claim. The rep ‘Rendl’ is always talking down to me as if he is angry. He is very short when responding and overall incredibly rude. Belairedirect has given me the worst experience I’ve ever had with ANY service I’ve ever paid for.