Belairdirect Home Insurance Reviews

Asked about installing auxiliary heat, wanted to terminate my policy, they are foreigners, they did not see when we had the ice storm and I had no heat for five days and was thinking of installing a pellet stove. Thank you to the woman I had confidence in and the CEO that wanted to cancel my policy, by the way, I had a new furnace installed prior to this one year, he said "oh you do not have sufficient heat at home, oh hey did you ever hear of thermostat", I can adjust, thank you CEO of Belleair direct

I was with Belairdirect for about 5 years (home and car). I had one home claim, they were not very helpful and initially refused to cover the kitchen flood. Just 'no'. We had an external person come in to assess, after the external assessment and many phone calls, they finally gave in and covered new flooring. Then upon moving homes, after agreeing to insure my new home, they pulled out just 2 days before move in date. I asked about the BelAir rep on the phone about the rules concerning student room rentals, she immediately told me they would no longer insure me, end of conversation. Unreal.

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.

Had Julie S. looking after my claim...sure shell email you for information she needs but will not even respond to a single email/question or phone call. Needed information regarding my claim for my home...Called many times for months and get the usual we will make a note and get someone to call you back!!! NOT ONE PERSON called back !!!!! not even once!!!!! Ive never dealt with a business with this type of service!!! Any employee who deliberately ignores customers should be fired.

I've had insurance with this Company for several years, & this year my premium spiked. The most annoying thing was a pathetic brochure on "Climate Change" ( they used to call this "global warming", untill they found the Globe cooling). Anyway they were using this idiotic pitch for a reason to raise rates. I called another Company & saved $450 bucks with increased coverage.

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.