Belairdirect Auto Insurance Reviews

My wife and I have been Belairdirect customers for many years. In 2016, we had 2 unfortunate accidents. However, we were informed that, given our policy, these would be forgiven, one to my wife, the other to me. On the first renewal date, this appeared to be the case: No insurance increases. The following year “they changed their mind”, however, attributing both accidents to me. When I followed up, I simply was told that that’s what was decided and there’s nothing further they could do. A “reward” of customer loyalty!?
We’ve also had poor claims experiences. The worst was with respect to one accident that was not our fault. We took the vehicle to one of Belairdirect’s preferred collision repair shops. Although the repair appeared to have been performed properly, there were several customer service issues. And the interior of the vehicle was filthy when I picked it up afterwards. Not too long thereafter we had another no-fault accident. Given the previous experience, we chose to have the vehicle repaired by a shop that came recommended by others. After starting the repair, this shop noticed that the entire previous repair had not been done properly (e.g., the entire area was rusted) and had to be completely redone! Since then, we’ve never again accepted Belairdirect’s offer to have any repairs done by a preferred shop.
We’ve only remained with Belairdirect because of all the bad experiences others have had with other insurance companies and shared with us over the years.

I’m so disappointed in Belairdirect... I submitted a claim for theft of parts on April 26th, 2022 as someone tried to steal my catalytic converter and sawed into the underneath of my car wrecking not only my exhaust but sawed into my torsion bar and my frame. It took them 3 weeks to get it towed away and when they did tow it they weren’t even sure where it was towed to. There has been no effort to reach out to me in the process I’ve spent countless hours trying to get in touch with my adjuster who just seems too busy to have me on her workload and didn’t care when I finally got in touch with her to help resolve my issues... I’ve had to reach out to the repair shop and other claim department workers to see what’s going on and still, nobody has any solid answers. It took a complaint against the company and my adjuster for the company to reach out to me and didn’t even have a solid answer for me then. I’m embarrassed for the company and their low customer satisfaction/service and after this is all said and done I will not be insured with the company again.

I did the online quote then spoke with an agent. The quote then doubled so I looked at other companies and found a MUCH better policy that offered a lot more for less premium. Immediately requested Belairdirect to cancel the transaction and they took money out of my bank account, despite me placing a stop payment. I have made several attempts to recover this money and as of right now, they have not refunded my money and continue to try to take monthly premiums from my bank account. I have received a response that someone is "looking into" this matter, yet it does not appear they are doing that. I cancelled everything on Apr.20/22 and it is now June 4/22.
A very despicable way of doing business!

We received a quote and it increased once we were on the phone with them so we said no! The agent said she will hold the account and call us the next day, when she called we said no. The next week they withdrew the month's fees. When I called and stated they took the money they said it takes 2 weeks to return, even though we do not have an account with them, thieves at best!!!

Belair direct is a terrible insurance company who have no respect for their customers. I highly suggest going with another company if you want great service. The lack of communication they provide their clients with is extremely disappointing and unacceptable. Our vehicle was stolen on April 8, 2022. We heard from the insurance agent 3 times between April 8 2022-April 11 2022. After many emails, phone calls and voicemails we finally heard back from the agent on May 2 2022 almost four weeks after we started our claim. The lady submitted us with a disgusting offer that we did not accept. When we asked her where they had gotten their number from she provided us with three dealerships from the Toronto area. We did our homework and reached out to those dealers. To our surprise these dealers did not have our vehicle - make and model on their lot and haven't had them in months. When my husband spoke to the managers at these three dealerships they all laughed and said that the price that Belair direct had offered us was way too low. Belair is a fraudulent company who have absolutely no respect for their clients. It’s sickening to think that they actually use these tactics with their customers and that some people do not do their homework and follow up. Being with Belairdirect has caused us nothing but stress.

The company will take away discounts from existing clients and then offer to return them back but only if they agree to give up their privacy. They want access to your credit score plus they want to have your driving monitored via your cellphone. All of this is for their benefit but even after you're lulled into consenting they will bump your premiums back up under a myriad of excuses. Firstly, if they discover you operate your vehicle late at night it will increase your rate then suddenly your discounts again begin to disappear - round and round we go. Even your good credit score won't help. Their staff can't even tell you what score you'll need to qualify for a discount....because management won't tell them. So, when they ask you for consent they'll make it appear as though there's definitely a discount pending. You need to challenge them before consenting to anything - you'll then begin to realize that every sentence ought to come with a disclaimer. The company makes changes constantly and the service and products are constantly changing. I returned to my previous insurer because they are predictable. Products are always consistent. I don't want to deal with insurance more than once per year but with Belairdirect it's nonstop talking and having to read up on never-ending changes.

Claim 1/14/2022 started. The first contact went well. The car was drivable for 2 months. No return on questions/ email. Estimate wrong/incorrect/ and the games began. Finally took to the repair shop and repair was authorized after a body shop resubmitted the claim. The body shop also got me a rental. Picked up the car last week, the body works well enough but the shop warned of mechanical on the front end? Literally drove 5 kilometres before the strut collapsed. Close to home though - lucky. Shop says we only do body not mechanical not our problem. Calls to the adjuster were not returned, but regular customer service reopened the claim and now nothing. The information they have on file is partially correct but contacted the wrong shop on my claim?
Car sitting and what?
No one knows…

Belairdirect has double charged my bank account for the last 3 months and when I call they’re telling me I have missed a payment. That’s weird because I've paid them over $700 in the last 2 months.
Last month I called because a call representative Ariel was trying to tell me I owed $600 which didn’t sound right. I called a week later since she was not a nice lady and was told $600 was to cancel my contract and $400 was what I owed. So she tried to get me to buy out my contract and said it would pay my bill and Belair is a thieve!

Bonjour, j’ai été victime d’une compagnie d’assurance,
Ils ont résilié mon contract sans m’envoyer une lettre de résiliation, ils m’ont laissé conduire mon véhicule sans assurance auto et sans m’informer.
j’ai faite un accident en février, une semaine après, je les ai appelé, et à cet moment la que j’ai réalisé que mon assurance était résilié en janvier, un mois exactement avant l’accident.
Le contract a duré 1 mois et une semaine, du fin novembre 2021 jusqu’au début janvier 2022 d’après eux et il a été résilié a cause de non payement. Est ce que à ce moment là je perds mon droit d’être informé ? Bah non. Mais eux ils avait les kilos de ne pas m’informer Ni par courriels ni par téléphone et ni par poste ( d’après eux la lettre a été retournée par poste Canada. Mais meme si c’est le cas, ils devaient la renvoyer ou bien envoyer la lettre par courriel si ils étaient vraiment correcte).
en gros, le contract a été résilié avant l’accident d’après eux bien sûr et comme par hasard j’avais rien reçu, et après avoir fait l’accident, la tolérance au paiement n’est plus disponible lol et le contract s’arrête exactement un mois avant l’accident. qui a duré en tout un mois et une semaine 😅
Quand je les ai appelé, ils n’ont même pas arrivé à raconter la même histoire. Ils ont même pas été d’accord sur la date d’envoi de la lettre de résiliation. Chaque agent raconte son histoire.
je vais pas tout balancer ici, je laisse le reste pour mon avocat au bon endroit.
Je voudrais surtout prévenir tout le monde de faire très gaffe avec ce types de compagnies 😉
J’aurai aimé donné 0 étoiles. Ou bien -5

They keep raising their prices each year with no claim on file, even if we lowered our coverage year after year. Less km, cars of lesser value and higher deductibles.
Their Android app is always down, the customer portal has also plenty of technical issues also down from time to time. It took them more than 2 weeks to provide a renewal offer for our house insurance while keeping the access to our file down the whole time.
Made one claim a while back, got refused for small details saying it wasn't covered (while friends with the same issue had it covered with other insurance companies and the same coverage options).
Premiums not up to par anymore, shop elsewhere.