Belairdirect Auto Insurance Reviews

I would never recommend belairdirect to anyone looking for insurance. I wanted to cancel my auto renewal which went from $1400 to $2400 a year. But 12:01 on the renewal date was early this morning so they want to charge me $256.00 to cancel a policy I did not renew. Hard to believe that an insurance company we have had for years, no moving violations and no accidents could actually almost double our insurance renewal and then without our consent [or payment] renew it and then have the audacity to change us for a cancellation roughly 12 hours after the effective date. We will be changing our home insurance a week before our due date to ensure we have nothing more to do with them.

YOU WILL BE INFLUENCED BY THEIR SALES REPRESENTATIVES TO REGISTER WITH THEIR SERVICES as they might be a little bit more competitive prices than other auto insurances. This is what has happened to me. I regret it big times for not viewing the reviews here. I offer pre-authorized payments 6 weeks prior to the end of my auto insurance. I contact the customer representatives 3 times and I declared to them that I do not wish to renew my auto insurance. They ignored me and they kept withdrawing their monthly payment from my bank account. So the last month, I contact my bank and put a STOP payment. Belairdirect has charged me $40 banking fees plus taxes. Now I am escalating this issue to the consumer alert at CTV NEWS. It is probably the worst auto insurance in the country! All they care about is obtaining your money.

No communication with the client and liars about when it will be finished. Won't even tell me where the car is. I am so discouraged about the whole process.

I tried to follow up on my application or the policy but it took me how many weeks to get an update. They don’t care about the application and they let their customer hang. Very poor service and communication

I was talking to an agent named Chander and was treated poorly by him. I was inquiring about my insurance renewal and he told me that inflation affects rates but I said, we the customers are also affected by inflation but how can you, Belair, help us with it? He said he didn’t appreciate talking to me. I think that it is valid for customers to ask questions out of curiosity but maybe due to the lack of his knowledge or training, he could not provide me with a sufficient answer. I was very disappointed and hung up immediately. This isn’t the first time this is happening. I’ve dealt with this many times and it surprises me because I have multi-car and home insurance and have been with Belair for 4-5 years. There are so many gaps in the service they provide to customers, sometimes that the calls last for about 2 hours because they don’t know what to do.

Belair insurance is terrible. I have been a loyal customer for 10+ years. My vehicle just got wrecked three and a half weeks ago by someone blowing a stop sign. They have been rude, uncaring, and unhelpful throughout this whole process. My adjuster did not even call me after the accident, they did not want to give me a rental and left me stranded for a ride a week and a half before I had to call them and fight to get one. They then sent me a lowball offer on my vehicle and tried to get me out of that rental within two days. My adjuster then did not tell me there was a delay in my settlement dispute for a week which led to me having to call them and demand to speak to my adjuster and a manager. I had previously sent all the receipts of the work done to the vehicle to them like they asked which equaled out to four thousand dollars. The adjuster called me and was super unhelpful as they have been unprofessional and unresponsive the whole time. The manager was great and really seemed eager to help get the claim moving to offer fair solutions like giving me back the rental they demanded back after offering me the settlement offer. They then sent me another lowball offer trying to shortchange me three thousand dollars only offering a thousand more for the four thousand dollars worth of work I had just put into the vehicle. The manager tried to call me during the day but I missed the call because I was in a dead zone and they expect you to just be okay with spending hours on the phone at work while your boss is wondering what you are doing. I called later that day asking to speak to the manager again and got told they would call me again in twenty-four hours further disrupting my work because they clearly do not care. I am supposed to get a call from the manager tomorrow and hope to get a fair resolution but I am not banking on it with how I have been treated this whole time. Definitely will be switching insurance companies as they have made me feel like a criminal.

Called this insurance company to have another family member added to the original insurance.

Asked for a quote, and after being put on hold several times and the call moving from a quote to an escalation call, that lasted over 45 minutes of my time, I was told, that a manager will call or email me back at a later time.

More time is taken from my normal day with no satisfactory results to show, just more aggravation to be continued for me.

I've had auto insurance since 2015. Almost every auto insurer in Canada has contacted me. Unfortunately, I have contacted Belairdirect this year for renewal. I wasted my time thinking Belairdirect was cheap. Belairdirect appears to have no regard for its customers. I believe that these strategies are employed with clients who fail to conduct adequate research and follow-up. I've only had stress since working with them for the reasons listed below.

1. The auto premium was raised by $330 (18.21%): When I spoke with Certified Insurance Agent, I forgot to mention that I had a one-month auto insurance gap; later, they discovered it and raised the premium by $330 (18.21%) from the finalized premium amount with Certified Insurance Agent, which is unjustifiable.

2. Policy coverage and premium details were NOT provided in writing via email: Belair is aware that oral testimony about policy coverage and premiums is inadmissible. As a result, Belair dislikes providing detailed policy coverage and premium information by email in written format, as other insurance agents and brokers do, so that customers have written proof for future reference.

3. Different Premium Amount: After receiving an online auto quote, I spoke with three different Certified Insurance Agents. However, they provided me with a different premium for the same coverages and deductions. I believe that regardless of the number of certified insurance agents involved in the quote, the premium amount for the same coverage and deductions should be the same.

1.7 stars out of 5 stars the same as hundreds of others. Even 1 star is too much. I made a claim on July 29 for a not-at-fault accident. After the initial report, I heard nothing from my adjuster. He said he would call back on August 2, but didn't. I emailed him on Aug 9, and he called me for the first time on Aug 10, 12 days after the collision. He made me a lowball offer on my car, which I refused. I called Belair Direct on Aug 17, 19 days after the accident. The customer service hung up on me. How dare I expect Belair to pay a claim after paying them for 10 years? Evidently, all those payments were for a piece of paper that gave the illusion that I was insured when really, I have no coverage. If you think you are insured by Belair, do yourself a favor and call a lawyer. You will need it dealing with these thieves. 70 days have passed since my NOT AT FAULT ACCIDENT, and to date, the only thing this company has given me is $45 for the ambulance. I have sent the adjuster 24 emails but nothing happens. The adjuster does not answer my calls or emails. Unbelievably bad service.
Their final offer for my car was about $3,000 short of what I thought it should be. The adjuster told me to get an independent appraisal done which I did. That showed the value of my car to be $3,000 to $5,000 more than their offer. They raised their offer by $1,000. They said they don't count independent appraisals because the appraiser always favors the client. They seem to have an answer to everything except the question of when will I get a settlement for my car. Being with Belair Direct feels like I've been caught in a scam!

I had a not-at-fault collision on July 29 involving my car and utility trailer. Despite assurances from the claims reporting office that the claim would be settled within a week, I found that Belairdirect is in no hurry to settle a claim. 70 days post-collision, I had received only $45 for ambulance reimbursement. 77 days post-collision, I receive $3100 for my trailer which cost me $5500 for an identical one. What kind of appraisal is this? After 77 days, the storage yard is making more money from storage than I'll get for my trailer. As for my car, they offered me about $5000 less than I thought it was worth. The adjuster told me to get an independent appraisal, which I did. The appraisal showed the value of my car to be $5000 more than Bellair's original offer. After 77 days, their best and final offer is still $2,000 lower than the lowest range of the independent appraisal. I have entered into their progressive complaint procedure, which has done nothing. The only thing this company does efficiently is collect its premiums. Belair is great at making you feel good until you make a claim, only then you'll realize that you are screwed.