Belairdirect Auto Insurance Reviews

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.

A taxi pulled out in front of me. Clearly NOT my fault even by the police. They claimed they could not find the other's insurance number and wanted to keep deductible even though it was not my fault!. 5 weeks later after I had messaged them and mentioned lawyer and police they were willing to settle and promised a cheque would be delivered on a certain day the cheque never arrived. I am now without a vehicle, they are taking the rental they gave me away and I no longer have any way of getting to so I will lose my job. I was talking to a lawyer and he said it sounds like a scam to keep my deductible. I did some searching and found the others info in 10 minutes. Something they could not do in 5 weeks. The police already want to talk to them as they gave me a number to give to them that they should call.
Avoid this company at all cost!

I have been with Canadian Direct for 15 years love them very much excellent staff and take good care of there clients. After sold out to belair is the worst of the worst lie to you, cheat you, untrustworthy they are all about the money not the people stay away from these crooks they are no good company.

If there was a rating less than 1, I would pick it. Only been with them for 2 months, and it's been nothing but crap. They keep taking money out of my account without notice and with no reasoning. They change the prices with no notice and no reasoning as well. No one freaking speaks English, which doesn't help with the confusion! This is the worst insurance company for anything, protect yourself and anyone you know, don't waste your money or wreck your credit!!

Do not deal with this company! Was involved in an accident - I was not at fault, other driver was charged. Took them 3 months to send me the money for my written off car. Every time I called, they wanted another form filled out, told me more than once the money had been sent out - totally untrue. In the meantime had to borrow money to buy another second hand car. Called last month to ask why my insurance pymt was so low, and to make sure they had both cars covered. Was told both were covered, it was an adjustment period. Found out today they had "mistakenly" taken one car off insurance and not notified me. They refuse to discuss pymt plan for missed pymts, even though it was entirely their fault, and I had contacted them previously about this. I am still unable to
work because of the accident. I cannot stress enough, Do Not Use Bel Air Direct for your car insurance.

If someone could only realize to which point dishonest insurance can mess up your life. How you can end up losing your job when you work on a road and the insurance company takes 4 months to pay you off and you have no car. And how do you picture a sales representative with no car?

I work for a beer company and was involved in a car accident and just because I had few cans of UNOPENED beer in the trunk that I showcase my clients, they said that there is a possibility that I was drunk when I was involved in the accident.

After a month, they took the rental and I kept the rental for another month by paying for it. This is all what I could afford. (I just got out of a bankruptcy). Another month of borrowing friends' cars and until that was no longer either. Then had to quit my job and struggle for another month until they finally paid me. Now, have to restart everything since day 1. If you value your well-being, don't go with Belair or their shady owner Intact Assurance

Horrible overall experience. They wanted to void my claim just because I had a check airbag sign lit on. The thing that saved the day was the fact that I was not at fault, even if I had a 2 way complete coverage to start with. They have used every single tactic to low ball me on the value of my car. There are better choices for your hard earned money. Still lost money with them despite doing all the right thing.

I have been a costumer of belair direct for 1.5 years. Recently a electrical fire started in my vehicle, completely rendering my vehicle. When I first signed up with belair I was in a rush to get my policy started. The agent who sold me my policy did not clarify with me the certain coverage my policy had. Paying $2900 dollars I figured I had basic and comprehensive coverage, turns out the agent only listed me on for liability. I purchased my vehicle with a loan of $10000 and stated to the agent when I started my policy. At no point did they offer me any coverage to ensure I would be covered in any circumstances where the vehicle would be damaged or a loss. Since they do all their business over the phone, you will not see your policy package for a couple months. When they policy package came in the mail, looking over it I assumed based on what I was reading I had coverage for property damages. Turns out you really need to look at what BS they are sending you. This company is 100% a scam. All they care about is taking your money and putting it in their pockets. That's about the only thing they are good at doing. Now I am $8000 dollars in debt with no vehicle to get to and from work. Thanks Belair Direct!

Horrible.

I'm a driver with no prior accidents, no parking tickets, I put snow tires on my vehicle every year, and I also participated in their Automerit tracking program.

After a year with Belair, I was forced to move. My new apartment is 4km away from my previous apartment. My car insurance rates shot up over $700/yr. There was no way to reduce the rate.

I shopped around for a new insurance provider and spoke to a Belair rep about what was involved in cancelling. At no point was 'cancellation administrative fee' mentioned. I found a better rate with TD Insurance and called Belair to cancel. You can imagine my surprise when I was charged over $250 in cancellation fees.

It seems odd that they can change rates as they see fit, essentially changing the terms of a contract, but when I'm unhappy with this and need to find a better rate, I'm penalized yet again. I guess I would have had to stay with Belair for another year to cancel with no penalty?

They also charge an interest rate when you pay monthly. Not all insurance companies do this.

What a horrible way to treat a customer.

Belair Direct sold me insurance then called me back an hour later and doubled my premium. I had spoken with 9 different operators beforehand and every single one gave me the same insurance quote. This is the amount i paod and then after I paid in full they doubled it. Outrageous and disrespectful.