Belairdirect Auto Insurance Reviews

I had just recently got a criminal record and to my surprise Belair decided they can't insure me because "people with criminal records have a higher risk of making claims". That is the most disgusting superficial thing I've ever heard. My criminal record has NOTHING to do with driving and they still decide not to insure me. Anyways stay away they're to expensive and have pretty dumb policies...it's more of a circus then a business

Former Grey Power client. I was on a monthly payment plan. When I got my new policy documents from Grey Power I called to say I just wanted lump sum because of the new surcharge for monthly. Then Grey Power rolled over to BelAir. Didn't think it would be a big deal but was in for a surprise this month to find BelAir has charged my visa for a month of both home and auto insurance one month my policy is set to renew. I called to get the charges reversed and was told the charges were for my previous year's policy - after 10 minutes of going through my policy info with the BelAir rep that was finally cleared up. Then he suggested the pre-payment could just be charged to my policy renewal. I told him I had no intention of pre-paying anything and had not decided if I would renew with them. I was promised the charges would be reversed. Just back from a week of holidays and still no reversal. Will see what happens with the next phone call but thus far I am not impressed with the way BelAir is doing business.

We decided to change our insurance to TD because their rates were better by $500 (I am not exaggerating). As I was wrapping up the cancellation with Belair, they all of a sudden tacked on a cancellation fee just shy of $150. I checked online and there is no mention of a cancellation fee anywhere on their website or in their actual policy documents sent to us. I told this to the agent and she told me that it is mentioned once in the 75-page booklet sent to us when we first started our policy. I asked her why this was not online and she said "because nobody would read it". Anyway, I told her that this cancellation fee means that I will never insure with them again. Her response was a verbal shrug. Summary: bad quotes, hidden fees. Watch out. The only good thing about Belair is that many of their agents are courteous.

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.

Can't get a hold of ANYONE to change my address. Literally was on hold for 2 HOURS and nobody picked up..

Waiting time is too long to get in contact with an agent, just to cancel my policy.
Agents keep redirecting me to different people to solve the same problem.

We requested a quote and they were one of the lowest in the industry but the agent conveniently neglected to warn us of an annual interest rate of 3.39% on monthly payments. We were 2 payments in and checked the billing online to notice the additional interest fee but they refused to reimburse us. We were able to pay off the rest of the term in full and save ourselves the additional fee. Agent on the line claimed monthly interest was industry standard. We don't recall ever having to pay interest for monthly payments but we are rid of it now and got some points on our credit card for the one-time payment too.

Been with Belair for 5 years. This past summer 2018 I had a comprehensive claim as I was hit by a flying tire from another driver, who got charged $5000 in damage to my new 2017 Ram truck. The insurance was handled by Intact, who is the underwriter for Belairdirect. Firstly, they tried delaying the process because of a $5 per day difference in towing company charges for storage. Finally, I intervened and got that settled because they wanted to sue the towing company while my truck was in their compound and not at the dealer getting fixed, which could take weeks in the court system. After that, they were great (Intact Adjuster) and fixed my vehicle, no problems. Come Renewal of all things, they hiked my rates up by 30% and even though I still had a 22% discount using their automerit program, it was a huge increase. I called with my concerns of the rate hike even though I wasn't at fault but still had a claim. They offered a further 5% for my wife if she used automerit. I said ok, no problem. The guy on the phone was courteous and helpful and said he would get that done. A week later I get a letter telling me my wife doesn't qualify for the automerit program and rates won't change. I then called Cooperators Group and was offered a rate 35% less than Belair, and I told them I had the claim etc, they did a background check to verify and still honoured the rate $600 less than Belairdirect. Suffice to say, I cancelled my renewal with Belairdirect. Any claim and they hike the rates up on you. And I should say they didn't hike the rate up on my Ram truck that had the claim, they just applied it to my older 2012 Camry! Trying to say the claim wasn't due to the truck.

I was a car owner 4 years ago. I chose Belair because I knew their rates were supposed to be reasonable. I spoke to the sales staff at that time and they explained I could save money on my policy if I didn't take collision. The way they explained that to me was done so in such a way that I wouldn't have thought to take the collision option. I told them this was the first time I was getting insurance and that I needed help understanding. They just kept telling me it was cheaper and better to go without it. So fast forward to the present. Yesterday I got into an accident due to weather. My car hit ice and spun out of control. I rolled my car and landed upside down. I then find out I am not covered for ANYTHING by my insurance except for injury. I walked away totally fine physically, but my car was totalled. So after paying these people thousands for 4 years, and thinking I was covered for something like that, and then to find out that you aren't? It's deplorable. Help new car owners understand what these terms mean!

Upon renewal my policy went from 69$ to over 90$ /mo.
I have no accident or claims history. Was with CDI since new vehicle was bought. Car was 23k, now less than 5k, why are my premiums higher than when it was brand new, and I was younger, less experienced? I have no demerits.
The agent told me premiums have increased for all drivers becauae of an increase in claims in "my category" last year? What category is that? The one where responsible drivers dont have any claims? Nonsense. I believe this is a result if their acquiring CDI and not having automatic consent to pull my credit bureau upon renewal. My credit history has no bearing on my driving. Ive always paid my insurance.
I requested to have a full accounting of exactly why my insurance increased to $90/mo.
The agent said she would see what she could do about that, no guarantee of return call, email or written explanation.
I will not be renewing with Belair.