Belairdirect Home Insurance Reviews

Called to bundle my auto and home as the auto rate was really good. However, I was asked if I had pets and I do and one of my dogs is a Shepard Rottweiler mix and because he has Rottweiler in him doesn’t matter how much they will not proceed with a quote. I find that ridiculous, but apparently, if your dog bites someone your home insurance is liable? I did not know that and I think it’s dumb. I am not sure if his actual breed is a rescue mutt. He has Rottweiler's colour and Shepard's face. So dumb!

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.

Pathetic, waste of time. Was on the phone for an hour with them to discriminate the breed of dog I own and not allow me to continue my claim for my house insurance. Awful customer service and management. When asked what was wrong with my dog breed I was told “we don’t insure a lot of people that have certain animals; monkeys and reptiles fall into that category”.... what? Makes no sense... Would never recommend

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.

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.

This is still going on in the 4th week with NOTHING. The first adjuster they assigned to my claim was on training the entire first week. I got the run around with several other adjusters just trying to kill time. Then the woman from Paul D. came and after looking at my broken apartment said, "all I see is a pile of broken things". but at this time, I don't think I can offer you anything". I said that they have to take responsibility for my contents. Then the adjuster came back from the training and spoke to me once and thereafter never returned any phone calls or emails. Suddenly, another adjuster sent me an email stating he was my adjuster and would like to view my property like the next day, because he was going on HOLIDAYS. He said he didn't really want the claim and that he had enough of his own claims, he didn't need mine added to it. He then came and it was impossible to see the damage properly as things were in pieces and needed someone to try to put my bed together to see if it was possible or not. It was in several pieces and piled. My couch had something rattling inside and when I unzipped the under part there was a piece of the frame dislodged and floating around and he said - "What's that?" Where did that come from, I don't know what that is". Like I went outside and got a brick and put it in the zipped underside of my couch. What a horror of a human being he was. And then he wanted to give me $200. for my TV which costs $800, and… well just etc. etc. etc. and then he was on holidays. And now that's where I am now and no one will call me back at all. I was given the adjuster’s bosses name and he is not in the office. They didn't dare tell me he is on holiday's but that he is out of the office. Then they gave me 3 other names at different times saying they would call me and no one did... DO NOT EVER USE THIS INSURANCE COMPANY!! IT IS A COMPLETE HORROR STORY. STAY FAR AWAY FROM THEM. I wanted to give no stars, as that is what it deserves.

I have no clue where to begin. I had both my car and home insurance with them for 6 years, and received a lot of good customer experience. Over the last 2 years, I noticed that my tenant's insurance was on the rise. This year, they were going to renew my insurance again for $6 higher than the previous year. Problem is I had never made one claim in 6 years with Belair Direct except through my car insurance and I was not at fault (my insurance did not go up.. My finace was asking me if I wanted to come over to her insurance company so that we can combine anything, and I said sure. I was going to pay a little more for care insurance, but a lot less in tenant's insurance. I cancelled my insurance on March 11, 2016 through my fiance's insurance broker, and he put everything through even my cancellation forms signed provided by Bel Air Direct. I was called by Bel Air Direct saying that my auto insurance was cancelled, and it was too late to stop the paymnt. I said that is fine. They would put the payment back in soon as possible. over 2 weeks later, I received the payment back in my account today. Yesterday, I get a call from an agent saying that they needed to talk to me, and get my verbal consent that the tenant's insurance was now cancelled. I talked to the rep, and reminded her that both policy cancellations were cancelled 2 weeks ago, and you are calling me now. I told them you should have called me 2 weeks ago to verify the document, and not wait until the day before you take the payment only to tell me that it was too late to stop the payment. After talking to the first rep, I tried again this morning to talk to the second rep, and she told me that I needed to take ownership for not calling in or mentioning on the day they called me to inform me of my car insurance cancellation. The rep today basically told me that they are a big company, and thousands of clients that they don't have time to call people. I said, but you waited until the last day to call me to verify with me that my tenant's insurance is cancelled. They now tell me that they will put the money back in soon as they can, but they don't know how long that will take. After realizing this morning that they are connected to Intact, and after hearing complaints about Intact, I now know to stay away from Bel Air Direct for good! They take no ownership for their mistakes, and all they can say it was a human error. No customer service here! If you want a true customer service, go over to a mortgage broker. I for sure don't want to feel like a number. I want to feel like a customer. Just stay away from Bel Air Direct if you don't want poor customer service.

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.