Belairdirect Home Insurance Reviews

I put a home claim in April and it's September and nothing has been done. The 1st quote thye sent was completely wrong and not that I pointed out their mistakes, they are not replying to belair somehow. Would not recommend. Rather pay more to get what you need. Horrible service with BelAir

Called to update my policy. Told that my updates increase risk and they have to cancel my insurance. Cancellation now means it's difficult to get insurance elsewhere and increases the overall price. Note I've been told that the small changes WOULD not impact my rates with other insurers, but having a CANCELLATION does.

l claimed on May 2022 about windstorm for $1800.
My deductible amount is $1000 but they didn't pay me anything so far and they always make excuses to not pay.
Claim department employers make me feel like they are scammers.
Do NOT trust them at all.
Stay away from Intact (Belairdirect) home insurance.

Too much time on hold while being passed from one department to another. Spent an hour and a half and gave up.

There was a payment issue with my home plan - instead of contacting me via email or phone, they sent me some papers which never reached me. After trying that once, they cancelled my plan. I called back to find out what the issue was, they gave me no information about why my payment was declined and had me sit on the phone for 30 minutes before telling me I wasn’t eligible to renew my policy with them for 5 years due to the cancellation. On top of that, they told me that my car insurance with them would be affected due to the home cancellation.

My mom passed away and I removed her from the policy after I paid they charged me another $100 because they needed to change paperwork. Definitely a shady company. I called and they did not care.

My unit was flooded water damaged they denied my claim. Paid zero for the claim. Reason not covered while I pay for both car and home insurance I was told in the beginning it covered my contents. Do not fall into a trap.

Called to bundle my auto and home as the auto rate was really good. However, I was asked if I had pets and I do and one of my dogs is a Shepard Rottweiler mix and because he has Rottweiler in him doesn’t matter how much they will not proceed with a quote. I find that ridiculous, but apparently, if your dog bites someone your home insurance is liable? I did not know that and I think it’s dumb. I am not sure if his actual breed is a rescue mutt. He has Rottweiler's colour and Shepard's face. So dumb!

Worst customer service! I was on hold all day every day for three days. Hung up on about 30 times! Nearly impossible to get ahold of an agent. Avoid this company!

My home insurance with Belairdirect since the year 2018, originated from Canadian Direct Insurance since the year 2000 (then Canada West, HSBC etc ). The original insurance earthquake deductible is 5%, then agreed to pay up to $ 1816 from $980 annually to keep 5% deductible. This year still asking for $ 1816 with 15% deductible and claims its their policy as my property was located at Richmond., plus property only covered for $ 401,000 for a million property, rather than standard $ 623,000. Another insurance company still offering a 10% deductible for earthquake coverage.