Belairdirect Home Insurance Reviews

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 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.

I called Bélair Direct for condo insurance and was given an amazing quote. The first interaction seemed to go reasonably well and I was told I would receive a confirmation email, as well as a phone call between 11 am and 11:30am the following business day. I rearranged meetings and other work-related engagements to be available. At 11: 40, I still had not received either the phone call or the email. I called the quotes department and spoke with another representative and explained my situation. It took this agent approximately 10 minutes just to find my file, and then, he told me it was not properly completed the previous call. He asked me questions, to which I responded in great detail...he cut me off several times saying - yes, I get it, I understand! HOWEVER, he would ask the same question about 2 minutes later, so clearly, he didn't understand. He told me that my initial quote was wrong, and suddenly, my quote was approximately $100 more. I told him that I would forego doing business with Belair (I had been given better service and a similar quote from another company). I asked to be transferred to a supervisor to file a complaint as this whole fiasco wasted a total of 2 hours of my time at work and was completely unprofessional. He immediately hung up on me. I called back and spent another 10-15 minutes re-answering questions about the property (and not my interaction) to be put back on hold for several minutes. At this point, I needed to hang up because I was livid with the lack of organization and insight into a customer's time. I will not be doing business with Belair going forward.

I have or soon will have had tenant insurance with Belair Direct. It was good while it lasted. I had a dog bit incident before getting tenant insurance with Belair Direct. Almost a year afterwards they decided to cancel my claim due to the incident which has nothing to do with them. I now get to try and find someone else who will ensure me and my dog. Hopefully, I won't get evicted before then but what does Belair Direct care about that? I don't think they care at all and they are just like all the rest of the insurance companies there when you don't need them and not available when you do.

I have been a long time customer and was reasonably happy (but never had to make a claim) so just kept going. Last year they did a major increase in premium so I changed my deductibles, etc to get the price down. Now this year I get another major increase.. In total they have increased my premium by over 30% over 2 years even after I made the changes to decrease it.. DO NOT GET YOUR INSURANCE FROM THIS COMPANY UNLESS YOU WANT TO GET TAKEN..

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!!!!

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.

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.