Belairdirect Home Insurance Reviews

I have been with Belair for some 20 years and have always trusted them to be fair and reasonably prices, however, the last 4 yeas or so, I have been battling cancer and have not paid attention to my policies until this week when I took out my Belair envelope to check the Home insurance policy in order to claim on my income tax returns for 2015. Shocked I notices my premium had gone up some $500 for no reason, no claims ever or anything that could explain this hike. I looked further and noticed that a $250 hike was applied last year and so on. What to do, I called and tried to get some reasoning behind this unacceptable hike of close to $800 in 2 years with no claims and the agent had no explanation other than , well we must have had claims that justify the races, I threatened to cancell my policy and all he could do was quote me the penalty for cancelling 4 months in advance. I lost it and insisted on speaking with a manager as I felt I had been ripped of for the last 3 years. I got quotes from Wawanesa for the identical coverage and better for cars and home as policy with Belair for some $1300 cheaper I want to sue them actually for the overpayment of premiums for the past 3-4 years. Don't fall for their 2 years plans because any little change and you think you are paying less because your monthly payment has gone down but that is only because they recalculate your monthly payments on the balance remaining at the time of the changes . We have been bamboozelled by this 2 year policy for many years, but no more!!! Get out shop around there are many other reputable companies with much better rates out there. I am gone and glad to be saving big bucks!!!!

I called these guys and cancelled my home contents insurance and they didn't cancel it. Apparently typed into the computer that the call was for a quote on how much it would cost if I cancelled it which is false. Then they tried to say they cancelled it due to non-payment. (when they directly withdraw the money from my account monthly) and sent some 98.74 to collections without so much as a phone call. I called them to find out wtf is going on the rep was extremely disrespectful. So I asked for a supervisor to which he denied me a supervisor. Kept repeating that my home contents insurance was cancelled due to non-payment. My rates got jacked up. I'm changing insurance companies and I suggest no one trusts these scam artists.

I cancelled my auto and home insurance policy last month since I found a better price from another company. The home insurance was ridiculously high, over $3,000 a year; they said that was their best-combined offer, we had to use them because we were using their auto insurance and we were too busy moving, after we settled down, we looked around for different quotes and decided to cancel, they charged us about $350.00 each cancellation, which is more than $700.00, we never had to pay cancellation fee with previous companies. They warned us they will put to a collection agency if we don’t pay for it. We end up no choice to pay them the painful price. Lesson learned and I will never recommend this company to anyone.

My first year of home insurance with Belair was around $1400, then it went to $1500, and this year I was told it would cost me $1975!!! I was shocked that they would raise rates 30% in one year, I have had no claims and also insured both my vehicles with them. I called to find out why the huge increase and I was told it was a general increase, no real reason or explanation given to me. I have received two other quotes with the same coverage for $1000 and $880. Once my auto insurance is due, I will be cancelling that as well. Goodbye and Good Riddance Belair, you have zero customer appreciation and horrible insurance rates.

Just got my home insurance renewal...for no reason a 100% INCREASE monthly. That's right. My home insurance premiums are DOUBLING. Despite the lowest crime rate of any neighbourhood in the city, my premium has gone up. Best part? They refuse to talk to me about it.

Now lets move on to my auto insurance. NEVER had an at fault accident, one that ended up being 50/50 for some reason, despite the fact I was stopped and stationary while someone ran smack into my car...those rates increased 50$ per month!!!!!!

Government needs to begin regulating this garbage. Insurance companies are NOTHING but legal rackets.

This company, Belair Direct, is a huge rip-off. Their rates are about 25% higher than other companies even with their so-called discount for home and auto insurance bundled together!

Worse, when I told them I didn't want to renew my residential policy after it elapsed they charged me more than $50.00 for an administrative fee to "cancel" a policy that had already run out.That was more than 10% of the cost of the policy. Now you'd think, well why bother cancelling it. Because if I didn't and they cancelled it from their side I would never be able to purchase home insurance from anyone else because other companies can't sell it to you if any other company has canceled your policy previously!!

And then I had to wait for almost an hour while the agent processed my non renewal on her computer that kept freezing! So add in an hour of my time and what I might have earned or done with it.

Don't be fooled by the people you talk to in customer service; they are actually pretty helpful and diligent, but the fees and policies of this corporate thief will fleece you.

I doubt you could find a worse experience with any other insurance agency.

And that's just trying to cancel a policy that had already expired a week earlier. I can't imagine how these weasels would behave if I'd actually had a claim!!!

I called for a claim in Feb 2016 because I had a few spots in the ceiling of my basement and an adjuster came to see in early March 2016. She told me that it was hard to see where the water was coming from and that there was no damage to my house. She did say that the water was probably due to the ice on the roof and that she was going to send a contractor to verify this. I received a call from a contractor in the end of August 2017 to verify the damages so I refused because it was tool late and I never put in a claim.
Now I get my insurance renewal and am hit with a $5000 deduction because it says in my file that I refused to repair a leaky roof.
I am presently shopping around for a new insurance company.

Belairderect is really bad.
My building value just increases 5.8%, but Belairdirect increases my premium 30.2%. The customer service is don't give you reason for why the premium increase so much. The attitude of the representative is rude. They don't care if you stay with them or not, they just want to steal your money.

I have been with the company for over 15 years. From 2013 to 2017 my premium has increased 112% and I've NEVER had a claim and the coverage has remained essentially the SAME!
WOW! I can only wish my salary would go up that much.
Thieves.

I enjoyed 30% discount on home insurance because I was Belair Employee. But when I was renewing, given that I was no longer their employee, they wanted to increase my home insurance by more than a double. So, it was going to jump from 741$ annually to over 1900$. They had 2 explanation points. One that I was no longer working at Belair and the second is that there is a pub on the ground floor of my building while I live on the 15th floor. I guess, using their logic, the whole building is supposed to have their insurance double, especially the ones on the lower floors given their "imminent" exposure to the bar scene LOL. FRAUD! I can't believe I was part of this fraud! I would not open my mouth about how bad they pay, if ever...