Belairdirect Auto Insurance Reviews

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, they 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 auto body 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 insane, to say the least, and unacceptable, and not why we pay insurance. The vehicle was struck while being 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 bodywork 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 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!

If there was a rating less than 1, I would pick it. Only been with them for 2 months, and it's been nothing but crap. They keep taking money out of my account without notice and with no reasoning. They change the prices with no notice and no reasoning as well. No one freaking speaks English, which doesn't help with the confusion! This is the worst insurance company for anything, protect yourself and anyone you know, don't waste your money or wreck your credit!!

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.

Do not deal with this company! Was involved in an accident - I was not at fault, other driver was charged. Took them 3 months to send me the money for my written off car. Every time I called, they wanted another form filled out, told me more than once the money had been sent out - totally untrue. In the meantime had to borrow money to buy another second hand car. Called last month to ask why my insurance pymt was so low, and to make sure they had both cars covered. Was told both were covered, it was an adjustment period. Found out today they had "mistakenly" taken one car off insurance and not notified me. They refuse to discuss pymt plan for missed pymts, even though it was entirely their fault, and I had contacted them previously about this. I am still unable to
work because of the accident. I cannot stress enough, Do Not Use Bel Air Direct for your car insurance.

If someone could only realize to which point dishonest insurance can mess up your life. How you can end up losing your job when you work on a road and the insurance company takes 4 months to pay you off and you have no car. And how do you picture a sales representative with no car?

I work for a beer company and was involved in a car accident and just because I had few cans of UNOPENED beer in the trunk that I showcase my clients, they said that there is a possibility that I was drunk when I was involved in the accident.

After a month, they took the rental and I kept the rental for another month by paying for it. This is all what I could afford. (I just got out of a bankruptcy). Another month of borrowing friends' cars and until that was no longer either. Then had to quit my job and struggle for another month until they finally paid me. Now, have to restart everything since day 1. If you value your well-being, don't go with Belair or their shady owner Intact Assurance

I don't understand why our government is allowing them to operate, very unethical and unprofessional company

This is simply a scammer who is stealing money from vehicle owners. Somebody hit me and ran and that company doesn't want to pay a penny for my vehicle damage. This not my fault and I had police report for that. AGAIN STAY AWAY FROM THAT COMPANY IF YOU WANT TO REALLY SOMEONE TAKING CARE OF YOU WHEN YOU NEED THEM. I'D LOVE TO PAY LITTLE EXTRA AND GET REAL INSURANCE RATHER THAN BELAIRDIRECT SCAM

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!?

Belair just raised our liability premium 66 % without justification. This vehicle is not used for work because we are retired. Just around town with total km's per year around 3000. Our government is letting insurance companies do whatever they please. I will never deal with this company again nor vote for a government that serves the insurance companies over their constituents