Belairdirect Auto Insurance Reviews

Your friend at first, then watch them JACK THE PRICES UP. I have this year an 8% increase to my home insurance. LAST YEAR, they just... changed my policy because THEY wanted to... lower my flood coverage because they thought my coverage of 10K was too high, so lowered it to 3K ALL WITHOUT MY CONSENT, and didn't give a discount for that. Also just now they wrote me a letter saying THEY think my car deductible should be $1000, not $500. "The winter tire discount has been removed from the above-listed vehicle as it no longer qualifies" ... what? I just spent $1900 on tires and wheels why doesn't it qualify? AND you raised my insurance. P.S.: NO CLAIMS for the home or auto, not 1 in 17 years, and perfect driving record, not even a speeding ticket. Again, they'll be all cozy the first round then annually ding these things to their advantage.

If I could give a zero, I would! These people are a scam. Whatever they tell you on the first call is different on the second one. ***PLEASE PLEASE AVOID THIS INSURANCE COMPANY AT ALL COSTS!!*** They charge you twice on the first month and when you cancel your contract, they're gonna charge you more than your monthly fees! In the end, you're gonna pay even more than what you're supposed to! I didn't even use my insurance for a month and I paid almost $800! Unbelievable! Even their automerit app is not good. One hard break and you lose your 25% discount. AND take note, it's HARD to increase your discount once you lose it! I am using TD insurance now and the app they let you use is more fair than automerit. **NEVER BUY INSURANCE FROM THIS COMPANY**

So I'm going to be frank here, hoping someone would learn from my experience. I signed up after shopping around, and they offered the best price, so I'll give them that, they offered a great deal! Annually I got quoted for 1560, since I paid the entire amount, I actually paid 1540! GREAT! Now here is when the trouble starts. 1) the person who set me up made a mistake, apparently. He included a loyalty discount because I was with my previous company for 3 years. I informed him I was with RBC for 3 years, then moved to TD for the past year - he informed me, "No worries, I'll consider the higher years" - WOW, AWESOME, or so I thought. (April 10) 2) April 13, I get a call with the following: "Oh, so sorry, we can't include the discount since the more recent company is only 1 year" - I argue, well, your agent, he'll consider the 3 years. But meh, 5% increase, 100$, WHATEVER! 3) I get another call, "Oh, we discovered your mom is also a co-owner, we require to show her proof of insurance, and your letter of experience, if you can prove that your mom has her own insurance, it won't impact your rate". FANTASTIC! Both documents provided. 4) On April 17, I receive an email, "We made multiple attempts to contact you, please call Belair", on Apr 17, Belair successfully reached me, and requested a letter of experience to prove that the 2 claims are under my mom and not myself - that was provided. 5) On May 22, I receive a letter, "You owe us 755$ because we backdated your insurance to include your mom since she is a co-owner, and we felt that she is a high risk". I wasn't even aware that my policy was changed or updated. 6) Talked to a supervisor, who ensured that if I get my mom out of my ownership, then it'll be easier to start a new policy with only my name. So on May 27, went to service Ontario, got the ownership updated, had to replace my tires, do safety test, total of 600$ expense to get her out of my ownership. Jun 4 I get a new ownership, provide it to Belair, and started talking about new policy. The new policy was 300$ more expensive than the original policy, because the system generates new numbers and now I don't qualify for even 1 year loyalty, because my previous policy was only for 1 month... I decided to cancel. Only at that point did customer service decide to get everything resolved. I talked to her for good 3 hours, and I got nowhere! So, on April 17, they sent me "We were trying to reach you", and they reached me, but apparently it was a different department who reached me, customer service vs agent, and I was supposed to still call Belairdirect even though they were able to call me and request the letter of experience which was provided. They also sent me an email requesting to be contacted on Apr 17, and I responded to their agent. The agent failed to check and see that they need to inform me about the backdating. So from April 17 - May 22 there was no contact, and I was under the assumption that I'm paying 1540, and not aware they increased my policy because my mom (co-owner) was included in my policy, and they decided to increase the price without communication. Even though multiple agents confirmed "If mom has her own insurance, it will NOT impact yours". So let's do some math: I paid 1540/ 12 months= 128.33$ a month. New rate (wasn't aware of, nor approved, nor agreed too) was set up on April 13, and I communicated with Belair on Apr 17, and they "forgot" to mention the increase because it's a different department (advice: ask if the call comes, if the person is customer service, or agent, and continue calling to ensure that your policy hasn't changed, and they didn't backdate your policy and overwrote what YOU agreed too), back to math: (1540+755)/2 = 190, so when I canceled, they charged me the 190 + 5$ since the month is 31 day and not 30 days. So I paid them extra 70$ because they added 755 without my knowledge. On top of that, I paid 600$ to get mom out of my ownership, and they gave me a higher rate 1 month after. I should have stuck with 1540+755 with mom on policy, would have been cheaper. My experience with customer service was good - the people tried their best to resolve the issue, BUT the underwriting department doesn't know what the heck they are doing, each person makes their own rules, and each person gives you a different answer, you qualify for 5% royalty, no, you don't , your mom won't impact you if she has her own insurance, no, it will increase your rate by 755. We will communicate with you to inform you about any update, oops, the person forgot to mention this detail. Belair department don't communicate with each other, so if someone calls, you should call again and again and again to make sure all the departments are satisfied. Best part was when customer service agent asked me to log in to my customer service profile online, and I was never aware I had a profile to check. From my wonderful experience detailed above, I will NEVER ever recommend this company to my worst enemy, I swear I've had panic attacks just dealing with them, and update all the documentations that they requested.

Worst service! I opt in that mobile app plan but the app is full of bugs and not been fixed purposely so they keep on giving min. discount to the users based on false data.

Belairdirect promised me a 11% discount but they raised it 135.00 I think they are a crooked company

Terrible, I drove with the Automerit app for nine months and earned a 9% discount, only to have the rate increased 15% without any accident or tickets. The Automerit program is a complete lie. I'm totally disappointed with Belairdirect, you're better off with any other company.

I have been with Canadian Direct/ Belair Direct for at least 10 yrs. Recently I added my husband to my policy with a vehicle. The cost of that was insane given the circumstances he has only been licensed for 2 yrs. I went insurance shopping and found a place that charged me half for the same coverage (Millennium insurance). Belair offered no rewards or discounts, but they had applied all discounts. Found a cheaper place and then proceeded to take my husband off my policy along with the second vehicle; after doing that my following payment went up over 120dollars. They said that what I am being charged for is having my husband on my policy for less than 30 days. Are you kidding me? Do Not Go Here.

I have been with this company for over 10 years with no problems until this year. I should say that 3 years ago I had an at-fault accident and having a clean record they said my rates will not go up... insurance forgiveness. However, this July my insurance went up 14%! I didn't want to believe what I was seeing so I called them for clarification. They said they had received more claims than normal last year so insurance went up for everyone. I tried to protest, why would it go up for me if I have been good for over ten years? Why 14 %? I even told them 5 or 6% was reasonable, not double? All cries went unanswered, instead, they offered to take 5% off if I download their drive app... record my driving habits. Exasperated I downloaded their app and took their offer as a good boy. Now I bought a bike that needs to be insured. I can't wait to talk to customer service.

Terrible experience. We dutifully drove with the automerit device in our car for a year and earned a 12% discount, only to have our rates jacked up 20% (without any accident/incidents) and end up paying more! This automerit program is a scam and we are VERY DISAPPOINTED with belairdirect

Got my renewal which went up for no reason over $60 a month... I went online and got a quote from the same company for $40 less a month. When I asked them about it and, of course, wanted the lower rate, I am told that I can't (the new policy has not started yet and they're offering a lower rate but only to new customers?) Absolutely ridiculous... just screw over the people who have been with you the longest - it is their policy...