Belairdirect Auto Insurance Reviews

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.

I was just trying to renew my car insurance. They tried to upsell me house and spouses car. So I gave them a chance to do that. After a million questions and being put on hold after every question I said, just renew my car insurance please, forget house and spouse. Then they proceeded to drag their feet on renewing my insurance. I told them to stop it and just renew, I know the price, I agreed to the policy and nothing changed. They proceeded to try to sell me more and I said, ok, enough is enough. If it takes this long for you to take my money, I can only imagine the loops I'd have to jump through to get a claim. So walked away.

After 4 years of insurance with no claims or cancellations, through a miscommunication of wire payments between banks, I missed 2 payments. Let me express that this was 2 payments in 4 years (to put this is perspective, out of 48 payments I missed 2 - or 4% delinquency). Meanwhile, my home insurance, which was being paid out of my new bank was paid no problem. The only warning I received from Belair was registered mail (not signed for) that I received while on vacation. No phone call, follow-up email, nothing. My insurance was cancelled while I continued to drive for up to a week. I cannot believe the lack of customer support or service, and fully believe this is reckless on their part. While I accept I was disorganised with the payment, more should have been done to collect the missed payment and contact me to see if there was a problem - this could have been rectified IMMEDIATELY. I am mostly upset that I drove my family uninsured, I will never use this service again and would rather pay more elsewhere for better service.

I was involved in a collision in which, as it turned out, I was not at fault for the collision in which I was involved. However, the claims department did an extremely poor job at investigating the claim (if that can be called an investigation at all) and they ended up assigning to me the wrong fault determination rule, making me 100%. I spoke with my adjuster, other frontline agents and even supervisors and all seem to be one worst than the other, one more contemptuous than the other. In the end, I had to take the court route to get some justice and that yielded the expected results. The company seems to be dysfunctional from the beginning to the end, it's not just an issue of one rogue employee; it's systemic.

Not Impressed. Belairdirect goes out of their way to market themselves toward students and those who are on tight budgets via promotions like their student discount however their service reflects nothing of the sort. I was in an accident that was not my fault and after being treated like a criminal by the ASSURED Mississauga representative my insurance company sent me to the Belairdirect test and repair centre for a more “polished” experience, they said. It was awesome that when I got to the centre the staff was great at kissing my ass and pretending like they cared about my negative experience. It is unfortunate that none of those niceties could fix my car. Instead, it sat at their office for more than three weeks before they decided to touch it, suddenly; miraculously, the car would not turn on. My trusty insurance company then proceeded to call me to let me know that they were not responsible for my car not starting and wanted to charge me upwards of $1,000 worth of “non-accident related damage.” When I responded with questions – the brain dead staff resembled something of a broken record player repeating, “you are responsible to cover this damage as it is not accident related, your total is…” (pretty cold for a company that markets towards people with low income). When I explained that this was not a possibility for me at that time, they agreed to tow my car home. I find it hilarious that I drove my car there to be fixed and now it is being towed back in WORSE condition than when it started. Cherry on top: They took the rental back and had misplaced my car. I had to walk to work at 5 am for over a week without a vehicle while making car payments for a car I couldn’t even fix or use because the insurance company continued to make broken promises of when they would be contacting me to bring my car home. My car was finally returned to me over a week left with parts they damaged sitting on and staining my passenger side seat. What is the point of paying for insurance if they lose and break the very thing you are trying to insure. biggest scam i have ever been involved in in my entire life. If the goal was for me to walk away without a shred of faith in humanity, the company did their job of not caring! Silver lining: thank you to Belairdirect for making me realize I can make it through life without my car and it is worth every second I save not dealing with their garbage.

they are cheap insurance and i now see why.
they determined me at fault for a no visibility due to weather accident.
they then said i could appeal up to a year from being found at fault.
then i tried to appeal it they said you can either have insurance or not.
i now(5 months later) get a call notifying me my policy will not be renewed,
thanks ass hats.
you really have insurance until you need it.
careful the second you use it you will pay for it in everyday possible.
you get what you pay for.
highly not recommended.