Belairdirect Auto Insurance Reviews

Don't trust them forgiving you 2 claims if you are at fault. Don't trust them giving you discount of 15% when you insure more than one car or a car house combo. THESE ARE ALL LIES.

What they did with us, they increased us from one year to another a whopping 34% but said it was not because we had a at fault accident and so forth but simply the general statistics fr our kind of car got worse and the area where we live in became more dangerous. Well, the whole planet is becoming more and and dangerous and no one wants to steal an old cross-country Volvo.

So, just lies on top of other lies.

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!!!

I called Belair Direct to get a quote on my new car. The agent asked a series of question, one of which was whether or not I had any accidents in the last 6 years. I replied No somehow thinking that he was referring to accidents for which I was deemed responsible. He gave me a great quote and we proceeded with signing me up. Upon verification of claims history using my driver's license number, his tone changed and said that I had made a claim the year before. I had failed to disclose that I made 1 claims (in 10 YEARS). That is true: I was stopped at a red light and a mini-van slipped on a thin ice and hit my car from behind. The damages were not too bad (approx 1000$) and the other driver assumed full responsibility. I didn't even pay the franchise. So this moron agent from Belair direct freaks out and basically accuses me of lying. He then increases the premium by 220$. I told him that I honestly did not think that that fender bender for which I was NOT responsible was relevant during his questioning. He refused to hear me out. So I called another company and obtained a quote with a full disclosure of my previous claim, and I was given a premium which is 60% less than what the Belair direct agent gave me.

I went from 2 cars to 1 two weeks ago and lost the multi vehicle discount. I then purchase a second vehicle a week later an asked for my dicount. I got it all right . An increase of $160.00 on my old vehicle and a $130.00 multi vehicle discount
. I can't wait for renewal time to kiss them goodby. The worst company that I ever deal with 60 years.

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!

This company belairdirect Insurance underwritten by Intact, are nothing but a bunch of crooks. I recently called in to submit a claim in regards to 'stone chip' damage along the top roof panel above the window on one of our vehicles. The damaged area had increasingly rusted and if not fixed will only get worse and could become a safety issue in regards to the window itself. There is absolutely no other rust on the vehicle, as we Krown yearly.

Was not impressed with the handling of this claim from the beginning by belairdirect Insurance. From the start the were uninterested in accepting our claim. It was made to seem that the problem was due to routine wear and tear, and would not be covered. I informed them that it was not the case. The rust problems and damage was due to stone chipping from debris thrown up by construction trucks on the highway in Ontario. They gave us the run around from the start, at one point telling us that a Claims Appraiser would inspect the vehicle and no Appraiser showed after we went through the inconvenience of leaving the vehicle at the autobody shop, twice. I called belaridirect and was informed that no appraisal had been set-up in the first place. I can assure that I checked twice to confirm the date for the appraisal. So, it is my view that after the difficult time I was given in regards to this claim, that belairdirect never had any intention of doing anything with it and therefore never set up the appraisal. No actual Appraiser ever showed up, instead they requested photos be sent. Based on these photos off the internet they have determined not to cover the claim. This is inane to say the least and unacceptable, and not why we pay insurance. The vehicle was struck while be driven on the highway by stones, that caused the damage. If driving on any roadway in Ontario and a flying object struck the car it is an accident, regardless of fault. In fact it doesn't matter if the car was parked in our driveway and something fell or struck the vehicle, it is still an accident and covered by Comprehensive. belairdirect's attempt to classify this as normal wear and rust is ridiculous, and confirmed by the Manager of the Autobody shop with which we deal. We carry Comprehensive coverage for a reason, and it does not matter whether the ‘flying stones’ or debris strikes the glass window, headlight, grill or any other specific part of the vehicle - Comprehensive: With this option, you are covered for any threat or danger other than collision, including theft, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of the vehicle. The only important thing to remember is that this coverage applies to the vehicle only, not passengers. I have discussed this with the Shop Manager and a very experienced body work tradesman, and they stated that the damage was caused by stones/debris striking the vehicle in that spot. So this is nothing but a ploy for belairdirect to get out of their responsibility and not cover a legitimate claim.

We were customers with belairdirect for 10 years plus and have not even had a claim in over seven plus years. To start being given a difficult time, just when we need the help of our insurance company is a disappointment. We have attempted to resolve this matter with the company but to no avail. We will be getting rid of belairdirect as our Insurance provider because of this incident and their unreliability in terms of providing coverage. We filed a complaint with General Insurance OmbudService of Ontario and will also be contacting other government and media consumer protection and advocate agencies to ensure this story gets out to the public and on file. The belairdirect Insurance company already has a noted reputation for this kind of despicable conduct and rip-off, and now we understand the reason. We have owned vehicles, been driving and have carried insurance for over 40 years - STAY AWAY FROM THIS COMPANY!

This insurance company is horrible. They discriminate based on age and have ZERO empathy when you have an accident that's not even your fault. They treat you like a liability instead of a client and provide you with the worse possible customer service. They make their own rules and ask you to sign contracts that do not reflect reality and then threaten that if you don't sign, they will not give you a cheque. The lady I dealt with for my car that was considered a total loss...forced me to sign a contract that didn't reflect reality and asked me to sign stating my car was a total loss when only the back end was damaged. The car was repairable for way less than the insurance said but was considered a total loss. I wish I had time to sue this company but unfortunately, because of the time constraints and my need to access funds, this deterred suing them. Please stay away from BELAIR DIRECT, once you need them, they will not be there for you. AND They won't give a hoot. They will try to make even more money off you. They took my car and sold it for parts for way more than the minute cheque they issued. And they took my car immediately so that my hands were tied even tighter.

Never in the right mind, I ever thought my experience with our insurer would get this ugly! Having Belair as our insurer since at least 2008, we have never made a claim. And during the last snowstorm, we had an accident where a car smashed into us so hard that we got thrown in the opposite direction to be hit by the snow bulldozer. So, the insurance adjuster, one of the most unprofessional insurance adjusters we have seen in ages that barely speaks any English or French concluded that the whole accident should be broken down into 2 cases. One where we are not responsible because someone hit us from behind and the second one where we are actually at FAULT because as a result of the first accident we were thrown into the bulldozer! Dragged us for almost 2 and half months, not authorizing the garage to repair the car. He actually should have been a hockey broadcaster because every time had time to talk about hockey more than about our claim!??? Everyone in the right mind should avoid these scam artists! There is so much advertising about them lately. I think they are desperate to retain the ever-fleeing clientele! Who wants to be their client anyways!?

Terrible experience with Bellairdirect. I was a customer with them for 4 years. My company transferred me for assignment to the US for a few months. I gave bellairdirect a call just to confirm that I would be covered for the few months while working in the States as I was taking my car with me. Because I was unable to provide a exact return date (tho I said it would be less than their 6 month period they were telling me I would be covered for), I was told I had 20 days to cancel my policy with them or I would be canceled directly by them. At the time we had multiple members of my family insured through bellairdirect. Lucky I was able to find a new provider who had no problem insuring me for my time in the US. Awful customer loyalty and service. Would not recommend.

I've been part of this community for a few years now and figured I'd give my fellow Canadian members a heads-up. Last year I found a new car, fully optioned with rear DVD and B&O sound. The only thing was - the car was in a previous accident before it made it's way to Quebec from Ontario. The price was right so I made the move. A few weeks after purchase I contacted iND and ordered carless DP's from AMS. Fast forward, I got back from a trip to Toronto and decided to hit the gym. After about an hour or so of training, I walk into the locker room to find my lock gone and later realized my M5 was taken from the parking lot... Needless to say, I kicked my self in the butt for leaving the car keys in the locker but they aren't the most convenient to have on you when you jog. That's where BELAIR/INTACT come in. I filed the claim that same night and it's been a nightmare ever since. They've given me the run around for over three months until I mentioned contacting my lawyer. At that point, the adjuster told me that and I quote - ''well, I understand that your unhappy with the time the investigation has taken but if you had to write a check for this amount it would hurt you too''. I advised her that I had recorded this conversation after which she explains to me that they will be refusing my claim because after the car was repaired and brought into Quebec it was not inspected legally?? I asked for an explanation and that as far as she would go. I ask what responsibility I had in this as I bought the car repaired and even declared to the agent at the time of insurance that the car had been in a prior accident and they were fine with that. She said it was policy and that they would be refunding me the entire policy. I find this to be a ridiculous nightmare. This is my 16th BMW and I'm 30 years old. I paid the car in full and never had a claim. I want to warn others that are insured by Belair or Intact that this can happen to you. After contacting an insurance lawyer on the phone and explaining the situation he said let me guess - are you insured with Intact? I was surprised and relieved to hear I was not the only one to go threw this. After meeting with him he proceeded to show me 15 current lawsuits he has filled against BELAIR/INTACT in the past 6 months. Important to note all claims over 50,000$. He said they are known not to pay large claims and take a gamble that you'll sue and get fed up or run out of money threw postponement and court fees. Needless to say, I told him I will never drop this, money, not in question. This a dirty business tactic by a company that I thought was above board.