Belairdirect Home Insurance Reviews

My home policy was with Trafalgar which ended up selling some of their customer base to Belairdirect. When I reviewed the new policy it had increased by 10% in cost and several services had been removed; Water Damage coverage and Loyalty Privileges such as disappearing deductible, home assist, etc.. When I complained I was told by a manager that they would reinstate the water damage if it was covered on the original policy but the other services they did not offer. A month later I received a water damage premium for and additional $180. Again I complained but they would not accept a copy of my original policy and only made excuses so that manager would not stand by his original commitment. I would not recommend Belairdirect as your insurer you will not be saving money up front and if the management is anything like I experienced you may be holding a big bill in the end.

I signed up for house insurance with Grey Power two years ago. My policy came up for renewal on July 15, 2015 and their prices were too high and they were beginning to charge a monthly percentage premium for those with monthly payment plans. I emailed my cancellation to Grey Power on July 11, 2015. They said they didn't get it and that they were now with Belair Direct Insurance. They told me to sign the page of my policy and mail it in. I did that and also sent a 2nd email, this time to Belair Direct yesterday. The response to my email said I had to send my entire policy back to them. But I'd only sent the page I needed to sign and threw out the rest of the paperwork yesterday and it was garbage pick-up day so it was gone. I was beyond frustrated. There did not seem to be a way for me to cancel the policy and they were keeping me on the hook for this month's premium, even though I was paying for house insurance through my new provider. After breaking down in tears, one of the agents named John did get involved and put extra work into getting my policy cancelled. So thank you John. But I would absolutely not recommend Belair Direct Insurance or Intact Insurance their parent company. If you have any problems with them and are a Canadian, I also recommend that you contact General Insurance OmbudService at https://www.giocanada.org/ for assistance. I found out about them this afternoon after contacting my provincial ombudsman for assistance. In the end I didn't need them because John helped.

called to put in claim because our carpet was damaged(soiled) due to a sick cat that was diabetic--i was asked how many stains were visible and when i answered 4 the agent said that i should of called in every time to make a claim--my deductible is 500 so this agent says that the deductible should be 2000 because i should of put in 4 separate claims--i have never heard anything so stupid--i am sure there are more than 4 soiled spots because of the smell but only 4 of them are visible---beware everyone--there is no logic to this--the fight begins next week when i get their final response--can hardly wait!!!!!!!!!!!!

When I called Belair to get a quote, the lady I spoke to was fantastic and very friendly. Unfortunately that is where the great customer service experience ended. 3 months after switching, I get an email saying they want to do a home inspection. No reason given and no person to contact. I sent back an email inquiring as to why and the response was they review all policies and because we have a high efficiency wood insert in the fireplace our house is considered a high risk. It took several emails to get this answer from them. At no time when I initially switched to Belair was this ever mentioned as being an issue.
They are also very sneaky in how they word the email, it is worded as if they are doing you a favor because you do not have to pay for the inspection.
So I understand the part about wanting to check the fireplace, however they said they wanted to do a full home inspection. The person who did the inspection checked the house over so thoroughly to the point where i felt they were trying desperately to find something wrong with the house. This week I received an email saying that they want me to replace two light switch covers and the fireplace hearth is not big enough. The house was built in 1979 and met code then. Belair is expecting me to tear apart the hearth and expand it because it is short by 1-1/2 ".
Be very careful with this company, they are very invasive with your privacy and do not come clean when you challenge them.
If i had known this before I would never have never switched to them.

I made a claim following a fire in my apartment building while I was on vacation. My belongings had to be stored while the repairs were taking place. Months of back and forth and phone messages and in the end, Belair doesn't like the contractor the house owner found and doesn't want to pay and say it's basically my problem. Now my belongings are with the contractor who refuses to deliver them before they get paid and Belair refuses to pay. So although nothing got damaged in the fire, I've lost all my belongings thanks to this insurer (bar paying 10k$ out of my own pocket to the contractor). Not sure why I payed for an insurance policy.

I got an email telling me my car insurance came down $101, they didn't send me an email telling me my home insurance went up $120 and they have increased the deductible to $1000 from $500, I have never had a claim EVER on my house or car, they should not be allowed to change deductibles without consent , they offered to put the deductible back to $500 for another $40. They are also charging interest if you use the monthly payment plan,,, they did not do that before!!! I am not amused, I look at insurance companies as licensed thieves!!

I will I could give them a less than 1 star. Their auto people are great, but I think that is because of the stiff competition. Their home insurance people are the worst. Don't buy. Hidden fees and inspections required. would not recommend to my enemy. They can put a black mark on your history that will effect your next purchase

We had Belair home insurance for a couple of years. Then I noticed that from one month to another the automatic monthly withdrawal went up by more than $50.
I contacted them to find out why, and they told me that it was the renewal of the policy, and that they had sent all the paperwork advising me of the terms and conditions well in advance. At this point the tone is very severe.
When I pointed out that no such document had arrived to me, she ask me whether I was sure and not have missed it, with a tone insinuating that I was lying and that she knew it. After repeating several times that I had not seen such papers, that I check my mail religiously, and that I had never agreed to such increase, she agrees to check when/where the paperwork was sent. Comes back after a couple of minutes and states triumphantly how the paperwork was sent about 6 weeks prior, I say I have not seen such thing. Then she reads out the address, and I pointed out that I did not live at that address. I said that it did not matter anyways, I wanted to cancel this policy that I had never agreed to in first place, due to how I had been treated.
She became obviously angry and said that I still faced a more than $300 cancellation fee. I told her that it was impossible to have me bound to something I never accepted, that they had made the mistake. She insisted, and tired of being bullied on the phone for so long, I told her that I did not care anymore, I was cancelling it, fee or no fee, and that if there was a fee I would easily recuperate it in a few months with the lower offer from the competitor.

There were no more withdrawals, and I never got the fee in the end.

I have friends that say they are very happy with them. I was happy till this incident (but really, you're always happy while you are paying them and have no claims/issues). They have lost me as a customer forevermore, every year when I shop around I avoid them, because if they disputed something so silly as sending something to the wrong address, how will they be if I have a claim?. I got a quote from Intact and after finding out that they are related to Belair I automatically discarded it (it was not great anyways).