Belairdirect Auto Insurance Reviews

The rates they advertise through Google Ads are misleading. Many hidden fees and they've applied discounts that don't exist.

My first and only accident I ever had was three years ago! My premiums went up I accepted that. Since then my premiums came down and I was excited thinking I was doing fine, I never had not even a speeding ticket and now my Insurance was up for renewal my premium jumped from $175.00 to $257.00 without even an explanation as to why it has gone up, the sales representative can't even tell me why my premiums went all she did was talk a bunch of bull.

Last year I decided to try out Belairdirect as the quote seemed reasonable at the time. I had absolutely no claims throughout the year, not even a ticket. When I called, they even praised my driving record. However, I just received my renewal documents and my car insurance went up 37%! My home insurance went up another 20%! Feeling robbed right now and quite honestly surprised this is allowed by law. Needless to say, I will not be renewing with them... I would give them - 0 stars if I could.

Great at accepting premiums poor service when you need them. I had minor cosmetic damage and a punctured tire after we got hit while stopped at a red light and were found at 0 fault. Then the claims process started and Belair has used every underhanded trick in the book to try and settle with us for a low ball offer even though I believe the other driver's insurance company will make them whole at the end of the day. They have bullied my girlfriend, threatened to salvage her car before we agreed to a settlement, consistently changed the price they are offering, refuse to complete a full estimate of the damage, bait and switch the value of the offers. When calculating the price they use comparable vehicles that are 6 months old. After I ran CARFAX reports on the vehicles I found a bunch had previous accidents, were used as rentals and commercial vehicles and even had smaller engines and manual transmissions, along with almost double the kilometers driven. Basically, the cheapest vehicle you could find and still call it almost a comparable car. Luckily, we had just bought a second vehicle and are able to get by on one car. I can see how someone without that option can be highly pressured and pushed into taken a minimal settlement as this has dragged on for almost 6 weeks now and we had to return the rental that was provided a few days after the accident. Stay away from the Belair as one day you may need them and they will not be there.

Had a tough experience in getting automerit to work. Was told that it'll reduce the premium down the line, but since I couldn't get it to work, they increased previously agreed premium from $375 to $407 without any notification and when contacting customer care, I was told that some discount was taken off since I didn't use the app. Feeling cheated and helpless. Waiting to change the provider once this expires. - Poor customer service experience - Email never gets responded - Took weeks of calling customer care to get the automerit section to appear on the app. - Once it did, the app doesn't record trips properly even after turning off battery optimization (Android) and drains battery drastically. - Overall, disappointing experience to me.

I was previously insured with Belair in Ontario, paid $131 monthly full coverage, I moved to Alberta and my monthly payment was now $352. I have been with the company for 7 years, I have a perfect driving record and find it crazy expensive. Fast forward 3 months of being covered in Alberta, I moved to Manitoba so naturally, I switched my license and insurance. I now pay $128 monthly. I called Belair to cancel my insurance and they charged me a $250 cancellation fee. I moved, I did not just switch companies. I was told if I moved provinces that I would not be subject to cancellation fees but was obviously lied to. I wasn't offered a break or anything she was just like well this is what it is. So overall not impressed with the company but again, who likes insurance companies...

When my windshield cracked due to a truck kicking up rocks, I had to run around to get my windshield replaced by their people instead able to do it at the closest windshield repair service. And on top of it, I had to pay $300. Why have insurance? When I went with another company when my insurance expired, Belairdirect still wanted me to pay for their insurance, saying that it is still in force! Obviously, if I did not pay for the renewal, I am NOT insured by them, and therefore I am not obligated to pay them! I would never deal with them again or can recommend them to anybody!