Belairdirect Auto Insurance Reviews

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.

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.

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