Belairdirect Auto Insurance Reviews

Canceled after 5 days when we realized the coverage was half of what we had with the other company. They charged 200 cancellation fee didn’t care rude and patronizing representatives we will never deal or recommend this horrible company!

Been with Belairdirect for over 7 years and they want a cancellation fee. Every year my insurance goes up. Never down. I have never been in an accident. I am a professional driver with a Dz license but they don’t even consider that. They should lower the insurance for the people who actually know how to drive and don’t get tickets or claims. I will never use this company again and I will be telling everyone I know not to use this company.

Was a loyal Belair customer for 10 years. When I split up with my spouse I called them to remove him from my insurance policy and a month later they informed me that my upcoming renewal would actually be more money than when we had two cars and 2 drivers. They also informed me that my personal 10-star rating would be dropped to a four-star to "accommodate the change". This made no sense so, I spoke to two different representatives who could not get any logical explanation of what they were talking about and ended up just cancelling going elsewhere and saving over half. I don't recommend this company! They are unethical and they will jack your rates with absolutely no explanation or reason. I also cancelled well within my policy guidelines and they are trying to take a cancellation fee from me.

I contacted Belair direct for a new auto insurance quote. They quoted me an incredible price, and after 10 minutes with the agent, I was transferred to another agent to close the deal. I have been continuously licensed for 24 years (1995 until now), and have had no claims or tickets. I was pleased with the price which was significantly cheaper than other insurance companies. I gave them my driver's license number and my wife's and then after 40 mins on the phone with them, he informs me the quote has gone up 25% because their database only goes back to 2000, and I don't get credit for my driving from 1995-2000 (ages 16-21). They suggested I get a driver's abstract from Alberta which of course is almost impossible to do from Ontario, and would require me to travel there (which they know beforehand). This was clearly made up to increase my premium. Don't waste your time contacting them, it is all too good to be true!!! Classic bait and switch. You'll waste an hour and they will try to fleece you.

My family has been with BelairDirect, also under Intact Insurance for many years. I was involved in a hit and run accident in 2018 at 0645 am and filed a collision report and report it to insurance. Because there were no witnesses or dash cams, the company was unable to determine which driver was at fault even if the person who caused the crash failed to stop after an accident. With the license plate number and the description of the car in hand, I was still unable to prove that I was not at fault. The police investigation was poorly done where a call was made to the driver's company (the vehicle was part of a company fleet insurance policy) and the driver had denied the hit, claimed that I had hit him. Intact was only able to offer me a 50/50 claim, my car wasn't worth fixing as it is an older model, it would not have benefitted me to claim anything to fix the vehicle at that point. The rep who handled my claim was unwilling to help me investigate further and come to terms with the other party's insurance policy. Simply told me there is no way around it. The claims representative failed to document the many phone calls exchanged between the times I had called in to inquire, and also left me voicemails to say that I had not been able to be reached within 2 months when I have called to their company during working hours to no response. Then the case was closed because "they were unable to contact me". Fast forward 1 year later, I had switched insurance companies and am with a new policy. The new company was able to offer me a competitive rate since the claim on my file was at 0% fault. I was just notified by my new company that BelairDirect had gone back, a year later and made changes to my claim, making it my fault for what had previously happened. Now the new company needs to increase my rate to +$130 a month because of this. I had called back to Belair to inquire about this new "change" and they claimed nothing was changed. Beware of this company, they are not looking to help you with your claim. The reps are misleading and want you to take the route that will benefit the company. On top of that, after I had sent my vehicle to Assured Collision for a quote on the repair, the rep had gone MIA and pretended that she has not received the report.

I received two letters dated the same day from Belairdirect. One letter informed me that "given the age of the vehicle, we would like".. "you send us photos of your vehicle, taken from all sides, within 30 days." The other letter informed me that "after careful review of the policy", which I have been holding for more than 20 years, "and based on new information"..." your collision and comprehensive deductibles have been increased to $1000". That means more than double. The agent on the phone was not able to clarify what "new information" it was referring to. Is it common to have the deductible raised abruptly once the car is 20 years old? There was no inquiry about any technical or mechanical data or maintenance etc. It seems to me that this company is making decisions arbitrarily trying to appear as objective and reasonable as possible. As numerous posts mentioned already, this is not a reliable alternative to the only (mandatory) ICBC. Drivers in BC have little freedom of choice.

I was tired of Belair's constantly rising rates, so I started shopping around. I found insurance with a well-known company, that was almost $600 a year less expensive as well as FULL COVERAGE and 1/2 the rate for deductible as Belair. Before jumping, I called Belair to confirm how much the cancellation fees are going to be. I was told a certain price if I did so before a specific date in Oct. If I waited until after that date, the rate would be almost 3 TIMES AS MUCH! So I cancelled immediately and signed up for the other company right away. I discovered that Belair still took out the fee for Oct/Nov! I called them and had to speak to 2 different people. Both people insisted that the cancellation fee was now the price, 3 times as much as I was quoted. Not only did they ILLEGALLY take out more money than agreed, but STILL EXPECT more! Supposedly a manager will call tomorrow, but I've dealt with the same companies before, so I know how that will go. I am investigating the steps I need to do to lodge an official complaint with IBC, Insurance Bureau of Canada as well as FSCO, Financial Services Commission of Ontario. I'm also going to investigate just how many complaints are lodged about Belair. While they are ripping me off, it will be the last and I'm so glad to get away from this corrupt company!!!

I got my cancellation notice today from Belair. "A driver in your household does not qualify, based on their record" turns out it was my ex who moved out in 2016. Not even: "Would you consider a new policy, for yourself?" All I got under the law we don't call, we just send a letter. Oh and I was reminded that I was put on notice way ahead of D day.

Just awful. If you have a claim, you'll regret going with them. I had a total loss and once they provide you with an offer, they take away your rental vehicle even though you don't have any transportation...

Do not use this company. I applied for home and auto insurance two months before my previous policy expired. I was told that they, (Belairdirect) in order to start the process of setting up an account, needed my banking information. I explained that I didn't want to do this and I was told that they couldn't offer me a policy until I did. I told them that they better not withdraw from my account and that I would make my payment via online banking. Guess what, they withdrew the full amount 6 weeks before they were supposed to and didn't heed my warning. I then phoned them back and cancelled my policy. Then to top it off, they just withdrew more money from my account after I cancelled. This company, in my opinion, is very incompetent.