Belairdirect Auto Insurance Reviews

These guys insured me (auto); failed to renew me (as prearranged); sent me letters to inform me I'm uninsured, but to the wrong address; then when I found out (after driving without insurance for a month) they told me they needed to see two pieces of info proving where I live, and it couldn't be a driver's licence (what? really?). But I provided that to them, as they had asked. Then told me (after I painfully got this to them, as I was on vacation at the time with my uninsured truck) they needed the deed to my house. I argued with them, as it was not what they asked for in the first place (saying the 2 former docs would suffice), so difficult for me to do, and now I'd wasted a lot of time already getting the former docs - faxing, etc. Finally, I gave in and I got it to them after asking a friend to go to my house and send it to me. Then they tell me "okay, great we will review your file and get back to you after 15 days". 15 days!? Why?

What??? I had been using them for 3-4 years at this point without a single blemish or problem. All of the sudden THEY screw up and then decide they didn't want to insure me anymore, but had no reason not to so they just made it soooo difficult on me that I wouldn't be able, and I would just go away, which is what happened. But why play games with me? They just messed with my life! Why not just tell me rather than take up hours and hours of my time, wasted while on vacation, all for nothing.

Furthermore, the agents I spoke with were firstly, not helpful, not nice and as I finally got to the supervisor --- she was honestly one of the rudest people I've spoken with in customer service - period.

BOTTOM LINE: Yes, they offer cheap prices, but they have no qualms about treating you poorly, leaving your stranded, providing you poor service and outright playing games with your life!

I would NEVER recommend them to anyone.

SOLUTION: I simply called another company and had full insurance in 10 minutes. Literally a 10-minute phone call and I was done; insured immediately!

We were told that they already have our cheque ready in August. It's now December and still no sign of the cheque. We called almost every week to check on the status of our claim and we get the same excuse, "it's in our finance department". Are they all in vacation since August? If I could put zero stars on the "claim experience", i would. Also, to anyone thinking of going with belair, don't!

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.

I recently had to file a total loss claim with Belair. Please do not ever insure your vehicle with this company. My claim took for months to settle. They frequently said they would call me back within two or three days and never once did. They didn't even look at the police report until three months into the process. They take advantage of consumers who don't know any better. I could go on but you get the point.
Never use this company

Very, very, very bad insurance company. I had and accident on August 16th. Today is a November, 11th. I have been calling, sending emails no response from my adjuster at all!!! Her name is Marilen P. – very rude person. First, she said to me that she called a dealership where I bought a car and confirmed the price, and it was 10,000$ cheaper than the price I paid for it. When I called a dealership, that same person who talked to her, said that she has never asked for the price. So, I called her – no response, so after 10 times trying, I got her on the phone. And she said, we starting an investigation, she has never said, why or anything. So, I have been waiting for 4 months paying for insurance, while I don't even have a car. Very, very bad experience.

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.

My son & daughter were in a serious accident in Aug. Some lady ran a red light doing 80km, no attempt to stop nothing. She then pushed them into on coming traffic & was hit by another car then pushed into a pole. My daughte has neck and hip problems, and from the impact her head smashed off of her door. My son, my GOD was hurt pretty bad. His leg is still to this day bruised and has no feeling, damage to his wrist, thumb and toe. Sad part is, my 20 yr old son had just moved into a condo as he started College. He has supported and worked since he was 16. He wasn't able to finish his job & because of his injuries wasn't able to look for a job by his new home & can't walk much on his leg. Belair has left my son penniless and starving. It's been still to this day that they have given him a penny to survive as that is what we are suppose to get with our insurance. It's called INCOME REPLACEMENT BELAIR!!! Yes they have a lawyer & the lawyer has been at them to get him his wage lose so he can EAT & PAY his bills. I found out that my son has not been eating and at times for a week. Since the accident my husband & i have had to pay his bills and I have been sending money for him to eat and just today I took him to buy food because he doesn't want to put the financial burden on us To date we have had to support my son with food, gas , insurance, rent and we are out over 3,000. thanks to Maddison D. who is called: Accident Benefit Claims Rep. WHAT! She is not entitled to that title and she should not be working for anyone. I wonder, has she had to go for a week without eating. Has she had to go penniless for just over 2 months and have her bills go unpaid, has her parents had to take such a FINANCIAL BURDEN? I bet NOT. She says she busy, really, but she isn't to busy to make appointments to send my kids to be examined . Wow that is more important to her then a 20 yr old living with NO FOOD, CAN'[T PAY HIS BILLS. And I find out that my son has had to dip into his college fund I saved for him for years so that he can buy his books for school. So ow she has screwed him over for next years college. Good going Maddison. You really do only care about leaving people to starve and penniless. I will recover the FINANCIAL HOLE that she has put my husband and I in for her lack of doing her JOB. I have talked to a lawyer & I'm sending all the bills that I paid to keep food in my son's stomach $ pay his bills so he can stay in college and pay his rent. If she refuses to reimburse us the money that we should not have to have paid out then she will be meeting my lawyer and he WILL RETRIEVE OUR money and I am also filing a complaint with the OMBUDSMEN. I was advised by the lawyer to write to them about this matter and how my son has been penniless Thanks to her, first priority is to have someone assess and say, oh you have no injuries. Bunch of crap. We all know that there are therapist that will say anything to help the insurance companies stop paying people because they make thousands and they want the insurance companies to keep using them for a lot of $$$. I had 2 assessments after my car accident in 2005 and they both said I was A.OK. Liars, instantly had a ct and found I had a major spine injury and had to under go 5 hours of surgery and 6 months rehab, so you see I don't trust these assessments. Those people only work for the insurance to get thousands out of them and call us all FAKES. So anyone who is thinking about Belair don't! They are the nicest people when it comes to taking your money but when your injured they no longer care about you and you become a liar, fake and a no body. Something needs to be done in our courts and with Insurance Bureau of Canada because insurance companies are scams and leave you penniless and starving!. Belair is the worst I have ever dealt with in over 30 years. Run from this company and hang up if they try to suck you in with their such kind attitude because don't you dare get hit by someone else and be injuried! You will be treated like a fake!!!

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.

I was insured with Belairdirect for 13 years with multiple vehicles and home insurance. The last few years with (4) vehicles so they were pulling some good coin from me every month; My son slid into the ditch Jan 28, 2013 from an ice storm and had a small fender-bender in a mall parking lot in 2015. So they cancelled my insurance - well THANK YOU !
Their "rules" are (2) "at fault" claims and you're OUT ! regardless of the circumstances and I kinda get that. BUT from a dollar-value I was worth it and still am with (4) vehicles & Home Ins. So I cancelled my home insurance with them Sept 28 2016 and have new auto insurance. THAT'S CHEAPER ! so THANK YOU BELAIRDIRECT for cancelling my insurance you are saving me money...who knew :). If my son had (2) "chargeable" at-fault accidents I would get that a little more.