Belairdirect Auto Insurance Reviews

After 15 years with the same insurance company, Belair sends me out an application form, says I did not fill it out properly with all the information they have on file (to determine my coverage/deductible/rates) and terminates my vehicle insurance. No, they did not phone me when they received my application to discuss anything, they just sent a termination letter! This has to go on record as the worst customer experience department service ever.

I have had good experiences with BelairDirect in the past when I got into my first accident. Recently, however, my opinion of them changed drastically. I had changed bank accounts where payments were coming out of & let them know of it. For some reason, they could not take the $ out of the new account. After talking to an agent at BelairDirect & trying to figure out if it was something on their end, I had to call my bank. The bank had stated there were no blocks etc on my account. Funny enough I have other pre-authorized payments come out of the same account. I call Belair Direct back to confirm that the bank found nothing wrong with my account. In the end, BelairDirect decided to cancel my policy even though I had updated my information with them. After paying BelairDirect x amount of $ to bring my balance to zero, I had to then look for another insurance company. Here is where it gets stranger. With the crash proof policy, I was under the assumption that it would not affect my insurance in any way. Was so very wrong. Between that, a silly winter ticket ($85 fine) & their inability to take $ out of the new account I had to be classified as a "high risk" driver & find a policy which reflects that. I was screwed over at least twice. Even though I had facts on my side, no one wanted to listen. Avoid BelairDirect like the plague.

So I'm going to be frank here, hoping someone would learn from my experience. I signed up after shopping around, and they offered the best price, so I'll give them that, they offered a great deal! Annually I got quoted for 1560, since I paid the entire amount, I actually paid 1540! GREAT! Now here is when the trouble starts. 1) the person who set me up made a mistake, apparently. He included a loyalty discount because I was with my previous company for 3 years. I informed him I was with RBC for 3 years, then moved to TD for the past year - he informed me, "No worries, I'll consider the higher years" - WOW, AWESOME, or so I thought. (April 10) 2) April 13, I get a call with the following: "Oh, so sorry, we can't include the discount since the more recent company is only 1 year" - I argue, well, your agent, he'll consider the 3 years. But meh, 5% increase, 100$, WHATEVER! 3) I get another call, "Oh, we discovered your mom is also a co-owner, we require to show her proof of insurance, and your letter of experience, if you can prove that your mom has her own insurance, it won't impact your rate". FANTASTIC! Both documents provided. 4) On April 17, I receive an email, "We made multiple attempts to contact you, please call Belair", on Apr 17, Belair successfully reached me, and requested a letter of experience to prove that the 2 claims are under my mom and not myself - that was provided. 5) On May 22, I receive a letter, "You owe us 755$ because we backdated your insurance to include your mom since she is a co-owner, and we felt that she is a high risk". I wasn't even aware that my policy was changed or updated. 6) Talked to a supervisor, who ensured that if I get my mom out of my ownership, then it'll be easier to start a new policy with only my name. So on May 27, went to service Ontario, got the ownership updated, had to replace my tires, do safety test, total of 600$ expense to get her out of my ownership. Jun 4 I get a new ownership, provide it to Belair, and started talking about new policy. The new policy was 300$ more expensive than the original policy, because the system generates new numbers and now I don't qualify for even 1 year loyalty, because my previous policy was only for 1 month... I decided to cancel. Only at that point did customer service decide to get everything resolved. I talked to her for good 3 hours, and I got nowhere! So, on April 17, they sent me "We were trying to reach you", and they reached me, but apparently it was a different department who reached me, customer service vs agent, and I was supposed to still call Belairdirect even though they were able to call me and request the letter of experience which was provided. They also sent me an email requesting to be contacted on Apr 17, and I responded to their agent. The agent failed to check and see that they need to inform me about the backdating. So from April 17 - May 22 there was no contact, and I was under the assumption that I'm paying 1540, and not aware they increased my policy because my mom (co-owner) was included in my policy, and they decided to increase the price without communication. Even though multiple agents confirmed "If mom has her own insurance, it will NOT impact yours". So let's do some math: I paid 1540/ 12 months= 128.33$ a month. New rate (wasn't aware of, nor approved, nor agreed too) was set up on April 13, and I communicated with Belair on Apr 17, and they "forgot" to mention the increase because it's a different department (advice: ask if the call comes, if the person is customer service, or agent, and continue calling to ensure that your policy hasn't changed, and they didn't backdate your policy and overwrote what YOU agreed too), back to math: (1540+755)/2 = 190, so when I canceled, they charged me the 190 + 5$ since the month is 31 day and not 30 days. So I paid them extra 70$ because they added 755 without my knowledge. On top of that, I paid 600$ to get mom out of my ownership, and they gave me a higher rate 1 month after. I should have stuck with 1540+755 with mom on policy, would have been cheaper. My experience with customer service was good - the people tried their best to resolve the issue, BUT the underwriting department doesn't know what the heck they are doing, each person makes their own rules, and each person gives you a different answer, you qualify for 5% royalty, no, you don't , your mom won't impact you if she has her own insurance, no, it will increase your rate by 755. We will communicate with you to inform you about any update, oops, the person forgot to mention this detail. Belair department don't communicate with each other, so if someone calls, you should call again and again and again to make sure all the departments are satisfied. Best part was when customer service agent asked me to log in to my customer service profile online, and I was never aware I had a profile to check. From my wonderful experience detailed above, I will NEVER ever recommend this company to my worst enemy, I swear I've had panic attacks just dealing with them, and update all the documentations that they requested.

I spent 45 minutes on the phone with an agent with what seemed like a very competitive quote. In the end, when we were about to proceed with payment, he said the quote went up from $1200/year to $2700/year!!!! This was because I moved abroad for two years and so was not insured, and they told me I had to start over as a new driver. I have a perfectly clean record for over 10 years with no claims whatsoever. I can't believe they penalize people for having a life. Outrageous. I found another great company that stuck to the $1200 a year and even they couldn't believe it when I told them!

I was just trying to renew my car insurance with this company, last year was $257.00, they just quoted me for the coming year $868.00, same coverage, no accidents !!!! Increase of over 300percent! Why would anyone want to deal with this company?

I was a car owner 4 years ago. I chose Belair because I knew their rates were supposed to be reasonable. I spoke to the sales staff at that time and they explained I could save money on my policy if I didn't take collision. The way they explained that to me was done so in such a way that I wouldn't have thought to take the collision option. I told them this was the first time I was getting insurance and that I needed help understanding. They just kept telling me it was cheaper and better to go without it. So fast forward to the present. Yesterday I got into an accident due to weather. My car hit ice and spun out of control. I rolled my car and landed upside down. I then find out I am not covered for ANYTHING by my insurance except for injury. I walked away totally fine physically, but my car was totalled. So after paying these people thousands for 4 years, and thinking I was covered for something like that, and then to find out that you aren't? It's deplorable. Help new car owners understand what these terms mean!

Upon renewal my policy went from 69$ to over 90$ /mo.
I have no accident or claims history. Was with CDI since new vehicle was bought. Car was 23k, now less than 5k, why are my premiums higher than when it was brand new, and I was younger, less experienced? I have no demerits.
The agent told me premiums have increased for all drivers becauae of an increase in claims in "my category" last year? What category is that? The one where responsible drivers dont have any claims? Nonsense. I believe this is a result if their acquiring CDI and not having automatic consent to pull my credit bureau upon renewal. My credit history has no bearing on my driving. Ive always paid my insurance.
I requested to have a full accounting of exactly why my insurance increased to $90/mo.
The agent said she would see what she could do about that, no guarantee of return call, email or written explanation.
I will not be renewing with Belair.

I was just trying to renew my car insurance. They tried to upsell me house and spouses car. So I gave them a chance to do that. After a million questions and being put on hold after every question I said, just renew my car insurance please, forget house and spouse. Then they proceeded to drag their feet on renewing my insurance. I told them to stop it and just renew, I know the price, I agreed to the policy and nothing changed. They proceeded to try to sell me more and I said, ok, enough is enough. If it takes this long for you to take my money, I can only imagine the loops I'd have to jump through to get a claim. So walked away.

After 4 years of insurance with no claims or cancellations, through a miscommunication of wire payments between banks, I missed 2 payments. Let me express that this was 2 payments in 4 years (to put this is perspective, out of 48 payments I missed 2 - or 4% delinquency). Meanwhile, my home insurance, which was being paid out of my new bank was paid no problem. The only warning I received from Belair was registered mail (not signed for) that I received while on vacation. No phone call, follow-up email, nothing. My insurance was cancelled while I continued to drive for up to a week. I cannot believe the lack of customer support or service, and fully believe this is reckless on their part. While I accept I was disorganised with the payment, more should have been done to collect the missed payment and contact me to see if there was a problem - this could have been rectified IMMEDIATELY. I am mostly upset that I drove my family uninsured, I will never use this service again and would rather pay more elsewhere for better service.

I was involved in a collision in which, as it turned out, I was not at fault for the collision in which I was involved. However, the claims department did an extremely poor job at investigating the claim (if that can be called an investigation at all) and they ended up assigning to me the wrong fault determination rule, making me 100%. I spoke with my adjuster, other frontline agents and even supervisors and all seem to be one worst than the other, one more contemptuous than the other. In the end, I had to take the court route to get some justice and that yielded the expected results. The company seems to be dysfunctional from the beginning to the end, it's not just an issue of one rogue employee; it's systemic.