Canadian Direct Insurance Auto Insurance Reviews

I cancelled my insurance with Cdn Direct when I moved out of province + they no longer insured in the new province. I went with their affiliate. The affiliate confirmed they cancelled our Cdn Direct policy but 5 months later find out they are still taking the payments from my account from the former policy. I contact Cdn Direct + they agreed to refund even though I had to send their affiliate policy. When the refund was not present in my bank account + contact Cdn Direct to find out they would issue the refund on 15th of the month, 21 days past the conversation I had with them! Ridiculous ! Will NEVER use them again + spreading the message to others no to use them.

Hi CDI, on Thursday I had a follow up call on my email below. The manager was really glad to advise me that CDI will make a “BIG EXCEPTION” for me and drop my currently increased premium back to 0%?? I thought that this is sort of joke, but she was serious!? When I asked her how is that possible since I just opened the claim, but CDI never paid a penny for my repair since it was all paid by Impark, the reply was that this is your typical CDI policy. Then I asked her why my claim was opened as me being in-fault? The reply was again: that this is your typical CDI policy. Finally, she disclosed that the claims rep who took my claim should have been advising me that if Impark accept the fault, I would be in no-fault. Obviously, the rep wasn’t trained properly or just didn’t care or probably again: that was your typical CDI policy. Because I could see it is much easier for CDI to just put me in fault and increase my policy – more $$ coming your way. So just to summarize: 1. I am with CDI for over than 15 years insuring house and several cars – to me this is a loyal customer 2. I never ever had a claim all those years 3. The first claim I had was my front bumper damaged on impark lot a month ago 4. I sent a full set up pictures showing what cause the damage 5. Your claims rep took all of the info, open the claim but never advised me that I shall contact impark and check if they will accept the fault. 6. Instated she just put me “in fault” regardless the pictures clearly indicating otherwise 7. I decided to check with impark myself and they surely accepted the fault – it was so obvious just looking at the pictures! 8. Impark pay the full repair and my car was fixed. 9. When I emailed the claim rep asking her why she put me in fault she replied quite arrogant and ignorant – see her email below 10. Finally, CDI didn’t pay a penny!! 11. Regardless CDI still increases my premium because CDI opened a claim. And all of your employee are hiding behind the words: that this is your typical CDI policy. Wow, it looks like CDI became worse than the government-owned ICBC. This is so SAD! No surprised your reviews are going drastically low at 2 stars currently but majority of your FORMER clients are giving you ONE star only !! Be sure that my other review is to follow, unfortunately my rating will be 0 (zero) stars And I am aware that CDI have been purchased by Belairdirect, but reading the vast majority of those 1 star reviews – your problems started long time ago. Unfortunately, I wasn’t aware before last month of your so poor services and customer treatment. Now I know and will make sure everybody else is aware!

For what i saved in money over a few years I lost 10 fold.
They took my money easy enough to insure me.
Everything was ok until I had an accident.
Someone came out of a driveway right in in front of me in BC.
They were 100% at fault.
There was over 14,000.00 in damages to my at that time $15,000 car.
Everyone said the car was a rightoff except Canadian Direct.
I had 10 days use of a rental vehicle from Canadian Direct.
Canadian Direct used that whole time trying to find parts to rebuild the front end of my car. They said it was not a right off and would have to be fixed.
After 10 days they told me they would not pay for the rental car anymore.
The autobody shop payed for the rental for the remainder of the time.
It took almost a week to rebuild the car.
I had problems with the front end after that.
It was hard to sell the car after that with a $14,000 accident on file.
I sold the car a year later for less than $5000.
I think that says it all...

This is probably the ONLY Insurance company who pronounce guilty driver who is rear ended. I was the loyal customer to CDI for the last 7 years when my accident occur, I was rear ended and YES I was pronounce guilty (100 % at fault) my balance is 0 demerit, no ticket what so ever, no any kind of accident.....and this is how I was rewarded.

Thanks to Rachelle V. - Claims Adjuster NO MORE CANADIAN DIRECT INSURANCE

I didn't have any problems with Canadian Direct Insurance until I tried to pay my premiums up for the whole year instead of monthly debit, I gave my payment details over the phone and they just never took the payment, so I followed it up and then took the wrong amount and cancelled one of our policies in the mean time. I had wrong information from almost every person I spoke to and the last time I spoke to them one lady said that they are going to start monthly debits again and she transferred me to another lady who said they wouldn't debit my account ?!?! They acknowledged fault the whole way and when I asked if there would be any recompense for all the mistakes or if this is just how they treat their customers they said they would get back to me and never did, SHOCKING customer service! Their cheaper premiums are not worth the hassle!!

It is true when they say you get what you pay for. Canadian Direct Insurance cancelled my policy when I applied to add my son to my policy, as I was disabled by a fall off a roof, and had to be driven to physio a couple days a month.
They refused to add my son to my policy because of his driving record (he had made a claim with ICBC and had a speeding ticket) but also felt that they should also cancel my policy because my son has a drivers license and lives in the same household, basically accusing me of allowing him to drive even though he was refused coverage. If I would allow my son to drive without insurance I would not have bothered trying to get coverage. Canadian Direct is cheaper than ICBC but you better not have a claim.

I went with them because they were the cheapest, but not by much. Sometimes, you get what you pay for.

I got auto insurance from them a year ago, and made the unfortunate decision to pay by credit card. Apparently, if you elect to do this they will not renew your policy automatically the next year, even though the credit card is still good. I was unaware of this factoid, but more importantly I was not told this, and I know I wasn't because when I do renegotiate insurance of any kind I keep detailed notes in a word document. To be fair, I did receive an e-mail 2 days before my insurance was due to expire, but I didn't read it carefully assuming that it was the typical friendly notice that it's coming due, and that if I did nothing it would continue...like it has for the past 28 years I've been driving! I ignored it, which was my fault but...they CANCELLED my insurance without telling me! I was eventually informed 2 weeks later via a snail-mail letter that I've been without insurance for the entire time. No phone call, no further e-mail, and if I had been in an accident or even pulled over it would have been at least a 10K fine!

Some of the above is attributable to me in part, though I think it should be illegal to cancel auto insurance without telling a customer, given the legal ramifications in Alberta. However, trying to regain the insurance was a nightmare. I called 7 times, was place on hold repeatedly for unreasonably long periods of time, tried to use their callback feature twice and actually spoke to no less than 4 people, of which only one was helpful (he was awesome). All others passed the buck and stated that it wasn't their department, and couldn't (wouldn't) help. The bottom line is this: customer service is absolutely horrible for the most part. I feel they are understaffed and undertrained. God help you if you actually need some help with something more pressing, like an accident claim. After two days of trying, I gave up and went with a competing insurance provider...no wait time and much, much easier.

The adjuster tried to put me at 100% fault when the official police report stated clearly that it was not my fault at all. Once the police report came in, the adjuster tried to blame me for 50% at fault simply because I was driving. My lawyer said otherwise and they agreed that I was not at fault but I have to pay for deductible. After all that back and forth, they denied my claim because the time for claimed expired while I had told them I needed more time. They switched adjuster and proceed to ignore my request for extension until time ran out. And, that is 100% true.
I don't feel like this insurance company is working for the interest of their client. It's better to pay a bit more for the local insurance so you can talk to the adjuster in person. This is a most valuable aspect of buying insurance that we often ignore. Avoid, online and/or remote insurance companies like Canadian Direct Insurance.