Belairdirect Auto Insurance Reviews

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!

I have canceled my policies (house & auto) with them back in November 2016 because of their incompetent and dishonest agents. However, they kept charging me monthly until I've noticed in December 2016. I called them asking what's going on and they started to come up with all kind of stupid reasons in order to avoid giving me a strait answer. They said that they are investigating the issue, blah, blah... and I need to wait for them to finish the investigation and stuff like that (terrible customer support, btw!). They even asked me for proof showing that payments were made from my bank account to them, than they even suggested that I was lying about my banking info for some reason. At some point I just had enough and dropped the words "lawyer" (among some expletives) and in less than one hour, I got a call from Belairdirect, telling me that they have issued a refund, blah, blah. It turned out that for one year I was paying somebody else's insurance, while that 'somebody else' was paying mine. Or at least that's what they say... Anyway... it's February 2017 now and I still didn't received the refund, although they say that they sent me the cheque.
So my advice: avoid this company like the plague! It's incredible that crooks like these are allowed to operate.

Belair representatives are not fair, honest, friendly nor did they solve my claim in a timely manner. I gave all info needed within 2 days of filing my claim. It took them over 3 months to send me a letter stating I was not at fault in the accident. I then obtained insurance with different company and the file said the status of claim was still pending. I was not receiving info in timely fashion, I was getting continuous incorrect information sent to me (date of claim etc), continuous misspelling when communicating which made it very hard to get the correct spelling of thier chosen appraisers name (biased appraiser). Reps ignored my questions about my claims and complaints. The same rep that called me about information I had already sent to her days prior that she somehow couldn't find but was most definitely sent. Toddlers are better at communication then this woman. I found a complaint service called ombudsman online and went through them to solve the rest of my claim. After i hired an independent appraiser and accepted a settlement, a rep from toronto office lied to me saying she recieved one document but not the others(ownership and key). She said that because she made a mistake(forgot to say sign back of ownership) i sent everything together in one envelope 45 min prior to the call so i knew she was lying. I cancelled policy due to mistreatment.

Unfortunately was forced to switch to Belair when they bought out my insurance company... been getting screwed money wise ever since. Today was informed my insurance is literally doubling up monthly just because I have a licensed kid in the house. Strange how my previous insurance company had no problem, no increase for him even being an occasional driver, and now with my son not even being a driver, but just living with me... is causing my insurance to almost double monthly. Have never EVER been so unhappy with an insurance company. .5 of a star out of 5... Yuck

The WORST! If I could switch out of my car insurance policy right now I would.

I was charged an $35 for being short 0.50 cents for my car insurance which I had never missed a payment (perfect record). transferred from person to person just to hear that the fee could not be waived. I was then given false recollection dates which they charged another $35 and $25. I happen to missed the recollection date because I was advised false dates provided by a belair direct rep. They did an investigation basically saying nothing of the sort was said. SO i basically missed my recollection date on purpose because I wanted to pay an extra $75. When asked to provide said transcript they could not produce it. They basically threatened me to pay the $75 stating if i don't pay I would it would go on record. They basically stated that I lied about the whole conversation. I'll never do business with them again or recommend them to any enemy. They do not care about their customers they might as well showed me the door.
NO CUSTOMER SERVICE FROM THIS COMPANY. no accommodations from them to even waive the fee which is missed only 50 cents.

Belair Direct gave us a real good quote and they told us that they had to send me out a application form by postal mail and that I would have to send it back the same way. Then we were told we would have to wait up to 17 business days once they receive the form to have the form processed. We waited all 17 days only to find out that they rejected it because they said we got our address and phone number wrong (WTH??).

Called another insurance company and got insurance the same day.

I have had so many poor experiences over the years with this insurance Bellair/Intact/Canadian Direct, I could write 20 pages about how they mistreat customers. I will try to list a couple of the most important and keep short.

Claims: If you are at fault, they will fight you to the death before they payout anything of what you are due. I had to take them to court to get them to pay a standard claim. Despite them hiring a lawyer, flying out their Claims mgr. to testify in court, the judge gave me a full judgement, plus ALL my legal costs and I have no legal background whatsoever. Please believe me, you don't want the stress of fighting for what you are due with a poor insurance company. I don't care how cheap your policy is, ITS JUST NOT WORTH IT.

Trust: Automatic monthly debit. Just like a shady gym membership company, do not give them automatic debit access to your money. They will take whatever they deem they are entitled to and cite that your insurance policy states that they can and without notice. Which it does and they take full advantage of. Good luck trying to get a fair remedy when they already have your money.

Obnoxious, bullying and Rude staff. The way they resolve complaints is to be threatening and unreasonable.

Bottom line, there are many insurance companies available and I don't think any have a stellar reputation. But this one is the worst. Save yourself the headache and being ripped off. I am now 8 years claims free and counted down everyone of those days. to the day that I could be free of them and take my business elsewhere.

After being unable to provide both my roommate and I with tenant insurance (for the sole reason that we were roommates), I was forced to take my business to another company that could package my home and auto insurance together.
I was charged 200 dollars as a cancellation fee for administrative costs. I'm assuming this is to mitigate any money I might save by moving to another insurance company? When I asked if I could speak with someone who could explain the charge in depth, the operator informed me that no exceptions would be made and the fee was to be paid or I would be put into collections.
A really overall unpleasant experience with a company that I not only felt I could trust, but in whose hands I had been placing my livelihood in the case of an accident. Yuck.

I was with Belair as my first insurer, it took the better part of a month and multiple calls to customer service to perform a simple address change, which despite entering into their online system (which only works so many times before it forces an update over the phone), still managed to get mis-entered multiple times when they re-issued the policy. Dealing with what seems to be a call center for insurance for a direct writer prompted me to move to a broker on renewal and not look back.

Somebody intentionally dinged my driver's side door while I was parked. Filed a claim on Nov. 4th, 2021. Today Feb. 24th, after countless texts, calls and emails, their claims adjuster has still not authorized repair to my car. It's a car door! Worst customer service I have ever experienced. Their rates are competitive because there is no service on the back end. Do yourself a favour and avoid Belairdirect. Cancelling my policies asap!