Belairdirect Auto Insurance Reviews

Belair Direct promotes their simple system for obtaining insurance quotes but it construes verbal conversations as legal contracts. It proceeds without any written confirmation from the potential customer or the need for any initial payment to finalize the deal. The BD business practice is to avoid the time-honoured approach of signed contracts, but instead issue coverage documents based on the detailed conversations that are needed to arrive at an accurate insurance quote for comparison with other insurers. BD marketing people will apply sales pressure in follow-up phone calls. Other insurance companies will require at least a minimum payment and signed documents as a basis for insurance coverage. Avoid any conversations with BD personnel if you are just compiling insurance quotes for comparison.

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!

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

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

If your ads are any indication of your company, I would NEVER sign with you. They are the most asinine things I have ever seen. You must pay the celebrities major to have them in the ads.