Belairdirect Home Insurance Reviews

Worst customer service! I was on hold all day every day for three days. Hung up on about 30 times! Nearly impossible to get ahold of an agent. Avoid this company!

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 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 decided to go to the market this year to see what the new home insurance rates and coverage were available. Through the internet, I was directed to Belair Direct. After completing their online application and being given a home insurance quotation, I was directed to one of their agents who fine-tuned the quotation. This was to the point where the quotation was increased by $600. When questioned why a 50% increase, it was explained to me that the online quotation is purely designed to drive market traffic to their sales agent who would then increase the price to a much higher point. This deceptive method is certainly a form of 'bait and switch' which appears to follow many of the comments and reviews of BD unsatisfied clients.

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 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.

Fell victim to their false advertising, resulting in wasting over an hour and a half of my time filling their online quote form and talking on the phone, for nothing at all. Beware of their lies and fake promises!

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