Belairdirect Auto Insurance Reviews

Absolute garbage customer service, they will be prompt and aggressive trying to obtain your insurance, but when you are making inquiries and claims... good luck.
The total insurance charged amount might be very cheap, but the cheap cost results in garbage customer service.
I made a claim on June 27th and it's been over a month and it is still not settled. Melissa J.-G. was my claim specialist, but I only got one voicemail and one email from her in one month, I had to make several calls to see what was going on and never received any updates.
I had to make complaints all over their facebook page and twitter to get any action done, I got a call from their complaint department and only then something has happened and apparently now I have a new claim specialist. My car has finally been evaluated and it has taken over a month, I was JUST sideswiped resulting in some big scratches on the car and they have a large estimate and it is literally $200 over the value of my car, so they are considered the car as totaled, what the hell is that?
The scratches can be buffed out and repainted.
The car is old, but very drivable, never had any engine or transmission problems.

Do not get belair direct insurance, you may pay a bit more, but you will 1000 times more better customer service and communication with a competitor.

The service is ridiculous it takes 3weeks or more before you can have the insurance.

As an ex-employee of BelairDirect, fired for being honest and transparent with Clients and as their Client that got screwed by them as well, I am writing this review to open people's eyes on this illegal front insurer. I could not stand seeing how BelairDirect awards bonuses that go as high as paid vacation trips down south for employees that extra harsh and conservative when determining the claim value and firing all those that prefer to be honest and treat everyone from co-workers to clients fairly and transparently. Because I was not harsh enough with clients, they fired me. I was so devastated that the same day I hit my car for the first time in my life. Not only they dragged me but also tried to use the very same tactics that they use on regular clients on me that was until the very last moment their employee. So, 3 months of ping pong and they finally paid 60% (yes, 60%) of the total repair estimate. They argued that some of the parts don’t need to be replaced. My garage, where I go all the time, said that they are always under pressure from insurers to do a bad job as these cars would still be getting sold year or two later.

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.

Don't trust them forgiving you 2 claims if you are at fault. Don't trust them giving you discount of 15% when you insure more than one car or a car house combo. THESE ARE ALL LIES.

What they did with us, they increased us from one year to another a whopping 34% but said it was not because we had a at fault accident and so forth but simply the general statistics fr our kind of car got worse and the area where we live in became more dangerous. Well, the whole planet is becoming more and and dangerous and no one wants to steal an old cross-country Volvo.

So, just lies on top of other lies.

I had my first at fault fender bender, in March this year and got accident forgiveness...how nice!

I traded the vehifcle that was being fixed and bought a brand new one.

Here's the kicker!

My new vehcile is at the same body shop as I had wonderful hit&run damages. It was in a parking lot. I didn't notice until it was pointed out later. So didn't do a police report, because I thought I could get it fixed.

The bodyshop showed me more damages incurred by the hit&run, when we were looking over the damages that I saw,

This insurance company basically that no police there's no report, then I'm automatically "at fault". Plus, the premiums are going to increased.

PATHETIC!!! Is there actually an insurance company that looks at driving record and invidual themselves? I sincerely doubt it!!!

I called Belair Direct to get a quote on my new car. The agent asked a series of question, one of which was whether or not I had any accidents in the last 6 years. I replied No somehow thinking that he was referring to accidents for which I was deemed responsible. He gave me a great quote and we proceeded with signing me up. Upon verification of claims history using my driver's license number, his tone changed and said that I had made a claim the year before. I had failed to disclose that I made 1 claims (in 10 YEARS). That is true: I was stopped at a red light and a mini-van slipped on a thin ice and hit my car from behind. The damages were not too bad (approx 1000$) and the other driver assumed full responsibility. I didn't even pay the franchise. So this moron agent from Belair direct freaks out and basically accuses me of lying. He then increases the premium by 220$. I told him that I honestly did not think that that fender bender for which I was NOT responsible was relevant during his questioning. He refused to hear me out. So I called another company and obtained a quote with a full disclosure of my previous claim, and I was given a premium which is 60% less than what the Belair direct agent gave me.

I am totally speechless of the nightmare I have lived through with this insurer. I've refused my claim based on no evidence other than simply saying that they do not believe me. I have been their client for 5 years and always was a good client with no issues.

For me it was a matter of principle to have justice and this is why I have spent close to $15000 of my savings to sue them in court. So 2 years passed by before I finally see the first day of trial. I am overwhelmed with emotions that justice will be rendered to these dishonest people, a step most of honest Canadians don't have the means of getting to. And guess what? to my biggest astonishment, I witness for the first time that their influence extends to court. I lose...I realize to what point the whole process is staged or bribed or both. Only then you realize that you are facing a simple insurer but an enormous machine capable of spending 10 times more simply not have you win the trial, so that a precedent cannot be set for the future for normal people to go this way.

Astonishingly, I realize that we have to deal with the same issues that people in corrupt underdeveloped countries. So, spread the word if you have been in the same situation.

I'm not insured with Belair Direct. But the guy, who spun out and crashed into me, was. They delayed, delayed, delayed paying up at every opportunity. Eventually, they claimed that their client was not insured at the time of the accident because of some loophole. Their client ended up GETTING CHARGED for driving without insurance. Well, the police and courts eventually determined that he was in fact insured and are basically attempting to force Belair Direct to pay. It's been over a year and I've had to pay my deductible and the accident went ON MY INSURANCE. They are still giving my insurance company the runaround and refuse to pay for the damages even with a court telling them they have to. They think they are above the law. DO NOT GO WITH THIS COMPANY. For your own financial safety, because if you are at fault in an accident they will do whatever it takes to NOT COVER YOU. I think they might be having financial problems to go to such lengths to avoid paying. Greasy company full of losers. NEVER GO WITH THEM.