They brought the prices up after a short times e switched and cancelled then they started sending debt collectors. Horrific!

Terrible company. They raised my renewal insurance by over 20% for no reason! I haven't had any tickets, accidents, or anything. They blame rising car prices, but the price is clearly stated on the slip. They're scammers! They've done that to two more people that I know read more

If I can give a zero star I would have this is the worst company I ever dealt with once you get into accident you will get to know who they are and the claim adjuster are very rude and unprofessional read more

I have been with a few insurance companies in my time, and only selected them because of a speeding ticket I had in the past, and Belair were the only ones who would take me. Had to file a claim, (long story short) it's been 2 month of constant battling to get things done. Their customer service is none existent, and very rude to deal with. My car is only 4 years old, with sub 100k KM and they are charging me betterment on a few components (to clearly make more money off me). Betterment, is the process of improving something due to the collision, if my car was any older that would be understandable. Not in my case they want 50% payment on couple components. STAY AWAY! read more

Insurance policy was cancelled without warning and with no attempt to contact me due to "non-payment". The company has my address, email, and phone number, and yet I did not receive any communication of an issue with the payment at any point. I only found out when I was required to renew my license plate the following year - and Belair expected me to pay an extra $2000 each year because of their screw-up. Save yourself the hassle and go somewhere else. read more

While in Toronto at a hospital for children we sat by our daughters bed wondering if we would ever see her open her eyes again . In the 2 weeks I was there our house insurance bounced . Without notification our home policy was canceled ( they say they sent letters but still have uet to receive) i happend to notice this when I opened the app for a completely different reason. I immediately called them and to my surprise I was told we no longer had insurance and our insurance had lapsed ( by 2 days ) I was met with the coldest rudest customer service. I was floored . When I explained the situation I basically was told "not their problem if you can't afford insurance you should not have bought a house " ( remember we are talking 2 days not months or weeks ) the absolute coldness of their " service rep " was staggering. I have now moved my Motorcycle, 4 wheelers, 2 vehicles, home , boat insurance to a different provider and would not recommend bel air direct to insure anything to anyone Another multiple million dollar company who is out to screw the blue collar people working hard to get by in an already tough economy. YOU ARE THIEVES AND LIARS ! read more

I called yesterday and was on hold for 2hrs 23 mins so If you ever need to call be ready to be on hold for 2+ hours

ABSOLUTELY THE WORST COMPANY FOR INSURANCE.... Terrible experience dealing with them, even for costumer service, I got even yelled At on the phone this morning by one of their representative. ABSOLUT DISGRACE. Each rep, says something different, quote you different, they don't even know the real info in my file, I had a better understanding and follow up on my own than then, they kept transferring me to a different rep, that was pretty much repeating the same information over and over. I had a claim with them, it was a hit and run that wasn't my fault, and I had to go through 8 different adjusters, to actuallh get something done about it. I CANT WAIT to literally switch to a different company, they don't care about their clients, is a money grab, a total disrespect and 0 profe ethic. Imagine if I got myself into a real accident or injured mysel, it would ve hell. I DO NOT RECOMMEND THIS COMPANY ! Save yourself the headache read more

Im not much of a writer but ill try my best to make sense :) I've never had a service issue where an agent was shouting and accusing me of lying before so this was an interesting experience to say the least. Long story short, I bought a new car and replaced the coverage to my new vehicle, but after logging in I see both cars are insured. No problem! I called and nice agent helped me out and sorted it all out, turns out they didnt and I was still insured for 2 cars. Called again, got the car removed and my "new rate" was $50 more because I made too many changes (something of the sort) and my monthly payment will be back to normal in a few months. So I thought might as well cancel why pay more to stay with them if everyone else is cheaper. This is where it gets spicy. Called again to cancel, the guy on the phone was really nice and helpful, he understood the issues I had and offered to help fix it. If they fixed it I would have just stay insured with them but he had to transfer me for that. So then I was transferred, to a very rude lady. First explained the situation and she starts questioning my honestly, claims I NEVER called prior and im basally lying, having 2-cars insurance was my own fault because I added a car I did not "replace" it. I always call after making changes to make sure it was done correctly. So I check my call log and give her the exact dates of my calls, she still doesnt believe me and wanted to do some "investigation" to check the logs, I said go ahead. Why are we doing this? Keep in mind shes borderline shouting at me this whole time. Basically tried to just end the call and just cancel it, but then she tells me my next bill will be over $400 because of cancellation fees for both cars. If I wait until tomorrow one of the cars will be removed. So its not over I guess.. Pretty shitty experience Ive been with them for many years I dont get how these "Bad Apples" are the ones who I get transferred to with more authority somehow. read more

They have charged me.over six years, 600$ per month because I live in a high claim area...I just found another insurer, for half the.price...sick, belairditect is a scam...find someone else for sure!! read more

have had insurance for the past 40 years with an original company that was purchased twice the last time by Balaire. called today to get a new trailer insured and was told they would not insure this type of trailer, they just lost a long time client was faithful to always have my insurance from them. definetly don't recommend Belaire Direct the service sucks read more

Never go with belairdirect... after staying with them for 5 years still monthly payments are more . Planned to switch still took my 1 month payment just for one day & when you ask the customer representative answer is system generated can't do anything. So why are customer representatives picking up calls to say this even you can set an automated reply . Very unhelpful & Very bad experience will never do business with them ... Suggestion :Think twice and shop around there are lots of great insurance companies giving good deals and better service... read more

Wish I could give no stars..been with Belair for 6 years and they are horrible! Never been in an accident, but I do not feel like they would take care of me if I did. I started being unhappy with them after they failed to tell me that their Automerit program does not work on all cell phones. They signed me up for it promising that I would save money, but when my cell phone was not compatible with their program, they billed me $96- so I did not save anything. There was no previous communication- I did not even know there was a problem. All of a sudden I got a bill. Their communication is poor and they are clearly unable to handle the technology age. I also have not liked how much is online. As in, I have had to print off my own pink slip over the past few years. I think that is ridiculous, as in the event that I had to exchange insurance information, I would also need to keep scissors in the car to cut out the section that should be perforated. They have REALLY become cheap! As in, we pay thousands of dollars and they do not send us any paper in return- unless they are asking for more money. I also now further upset because I tried to cancel my home insurance policy and they will not do that without talking to my husband too since he is on the policy. They did not talk to him to set it up or to renew it over the past 6 years. In fact, they have never talked to my husband, not do they have any proof he exists other then the fact I told them he does (he does not drive). We work opposing schedules, and never see one another so we are unable to be present at the same time to cancel the policy. Belair does not care. They have no problem accepting money without talking to him, but if we want to cancel, he needs to give his consent. Absolutely ridiculous!!!! I think that in order to work for Belair, the necessary skills are poor customer service, poor communication ability and a knack for making clients angry. read more

Awful app, awful company, awful services, been with this ridiculous insurance company for more than 5 years, because of the belairdirect app turn of the automerit function by itself then I was charged for 47 dollars from the day it stopped all the way to my next renewal, even I turned on the function by clicking one of the link they sent me afterwards, they were still blaming on me to pay for that 47 dollars. Although 47 dollars is nothing, not a big deal. But the company are dumb indeed. This is the first time that was ever happening in the 5 years and especially the automerit function was off by itself, not by me physically doing it! Belairdirect blame on me who did not check it and insist that I have to pay the outbalance of 47 dollars. In fact, I have confirmed with the agent every time when I paid the renewal, I am not going to have the time to check the app or make sure the app is turn on or even turn on the app manually every single time, the agent even replied "No, you don't have to, just make sure you download it and it worked, then it's all good". Therefore, if for some reason the app wasn't working or stop working by itself, the team should have FIND A WAY to contact me or MAKE SURE I am aware of the situation, because it's not like I did it on purpose. Instead of assisting an old customer like myself to solve one simple misunderstanding issue like this, they refused and mentioned "The back office has review and replied it was not from their end, the apps work perfectly fine, so you will have to pay the outbalance of 47 dollars" REALLY!? if the app is fine, why would the automerit function turned off by itself, and why would you arguing this 47 dollars with a loyal customer, WOW, what a GOOD service with a team has NO BRAIN, Saying bye to this dumb insurance company never ever recommend to anyone AGAIN!! read more

terrible customer service. waited over an hour to speak with a rep, ended up hanging up and calling the quote line and the person who answered the phone was not helpful at all. The quote I received was more expensive than other providers I contacted. read more

Only if zero star was an option, I would have given that. Their customer care has to be the most horrible thing on the planet. I was involved in an accident wherein a box came flying from a truck moving 2 lanes apart from me on busiest highway in ontario, Canada. It broke my bumper while the truck fled away from the scene. Obviously I was NOT at fault. I submitted Ontario police report next day as well. Now, their customer care bluntly say that, I have to pay deductible because no information was provided for the third party, means the truck that threw box at me on the highway and fled!!! While my policy clearly states that when I am in "not at fault" accident, I don't have to pay deductible. They expect the driver to drive like a crazy on a highway to catch the truck who hit your car and ran away. ridiculous!!! On top of that, its been over 3 weeks, they haven't provided approval to the repair shop to replace the broken windshield. All the repairs are being done at their approved work shop. The adjuster never responds to emails, never picks the phone, never calls back, means no response at all. The customer care people speak same things again and again no matter how many times you call them. Its the duty of the adjuster and customer care people to explain the procedure of Initiating and finalizing the auto claim. But they never tell you. You have to join the bits and pieces yourself somehow to find your way through the claim. If I don't call the work shop myself, no one will ever inform me the status of my car repair and claim as well, for months. So disappointed with their way of working that I decided to change my service provider while complaining about belairdirect to related insurance ombudsmen. I have been with them for several years, paying thousands of dollars every year. This is the first time I had a mishappening and i came to know about the poor service belairdirect offer to their clients. read more

I talked to the customer service for over an hour. they would not transfer me to anyone that could explain how if I am tracking over 90+% that I only get a discount of 16% out of a max 25%. even though before I was 88% and received a 21% discount. on the auto merit chart I am tracking well above the other group. yet my discount dropped by 5%. when they first launched the app it showed the % discount you were tracking towards. now nothing and when you ask how this is possible it is secret information. before transparent now not. only do this if you don't want to explain yourself. seems like just an effort to increase the premiums. supposedly you are not measured by the comparison to the other group but some more local pool that they will not share the info on. read more

My whole family has home and auto insurance with belairdirect. The rudest and worst customer service Ive experienced. The person I spoke to on the phone today was names Carey he was so rude, we will consider switching to a different company after today. read more

I am beyond embarrassed to say I ever had insurance through Belair. I went to bundle home with my existing auto and was informed by the provider on the phone that they do not service clients with Rottweilers due to them being "a dangerous breed that can damage a home". I was quickly reassured that it was not just Rottweilers, but Dobermans, Cane Corso's and more. My German Shepherd on the other hand, is no risk. Needless to say they did not only lose the opportunity for a bundled client, but they have lost a client as a whole. Disgusted in this company. read more

MUSICIANS AND AMATEUR PHOTOGRAPHERS ALERT - RED FLAG! Worst insurance company in Canada; I have never seen such an incompetent company in this country. They are good at luring you through their ads, but when you contact them for a quote, they clearly demonstrate that they don't care about their customers (existing AND potential). Called for a quote for a small apartment without risk, without a claim in the past (we've been talking about NEVER a claim since I was born). And they refuse to insure you for a few cameras and a musical instrument used for PERSONAL USE. I will ensure everyone I know does NOT sign-up with this business. UPDATE: Look at their reply below, they tried to reverse the blame on my needs. Basically, they are NOT fit to do business with at all. read more

I got auto and home insurance from them and after just two month, they increase my premium by more than a hundred dollar without even telling me. When I called them, they kept transferring my call from one agent to another and I wasted a week trying to know the reason why they increased my rate. They told me that they made a mistake when they give me the rate I was having and it is supposed to be higher. It is all bs. You can't just change fee. They are scammers and they shouldn't be allowed to do business. If you want a peace of mind and a decent insurance company, please stay away from them. They will give a reasonable price, not the cheapest at the beginning. They will changed after a few months. They don't even deserve one star. read more

My insurance flipped from Johnson to Belair Direct in the spring. I was able to get more perks with another company so I cancelled it. I was on the phone for approximately an hour, and the service person then told me that the outstanding balance owing was $22 since the day of policy renewal and cancellation had a 3 day lapse. I had asked to provide my payment details at that time, so the bill would be paid immediately, however I was told that I had to wait 1 day before I was able to make this payment. While I was trying to understand why I had to waste another day of being on hold when I had the information available to provide now, suddenly the price increased to $300. The service person did not have insight into how this cost was calculated and why the price suddenly changed, therefore he put me on hold to discuss with the financial department. After another 20 minutes on hold, I was told there was a glitch in the system and he no longer wanted to provide me with a number. He scheduled to call me back the next day at 10 am. I never received the call. After waiting one more business day after a long weekend, I still had yet to receive this scheduled call. I made a call today and waited on hold again for almost 45 minutes until I spoke with someone. I explained the situation and the service person apologized. I was told that the outstanding balance was in fact $300. I was told that this was just the cost of cancelling. I tried to understand how I was being charged $100 / day however I was not provided a break down. I made the service person aware that had I been informed that this would be the cost to cancel, that I may have reconsidered changing companies at this time. I had asked if there was a possibility to reinstate my policy but I was told too many days had passed since cancelling. I made the service person aware of the fact that I never received the schedule call I was supposed to receive on the day the policy was formally discontinued. By the end of both of these discussions, I was not provided all the information, I wasted hours of my own time and I did not receive a breakdown or understanding of this outstanding balance. I am paying a higher rate elsewhere, however the service I will receive will be worth the cost. read more

If I could give 0 star, that'd be my choice!!! I ran into a collision and my vehicle was written off in December 2022. The claim process was awfully stressful. It has been over three months so far and my case is still not settled. First, it's very slow. Then, the offer to my vehicle was terribly low. Don't go with this company and Intact for a cheap premium since it's hard to get hold of them when you need help and the settlement they provide is quite unfair. read more

I am never going to use Belairdirect or Intact insurance (who owns Belairdirect and others) ever again. Their adjusters don't even follow their own rules and continually lowballing the market value without even using current information. At best, they have moved about 5% out of over a 30% value gap. They are not even aware of what the pandemic did to car values where used cars that can be bought today cost more than used card that won't be available for several months. All of my neighbours report better experience with other insurers and agree with the negative experience with both Intact and Belairdirect. I would really like to share this experience with those who are looking to move to new insurance companies. They should look to avoid them as they can count on poor appraisals when they need to make claims. read more

l claimed on May 2022 about windstorm for $1800. My deductible amount is $1000 but they didn't pay me anything so far and they always make excuses to not pay. Claim department employers make me feel like they are scammers. Do NOT trust them at all. Stay away from Intact (belairdirect) home insurance. read more

Very disappointed in this company. After being a loyal Belairdirect customer for years and promoting them by telling everyone that I got a great deal on insurance, they have made the claims process unbearable and completely unjust. In December both my car and my partner's car were parked in our driveway when a tree crashed down on both during an extreme winter storm, making them undriveable. I immediately filed a claim and thought it would be resolved within a decent timeframe. However, my adjustor, Heaven, who told me she was working from home and couldn't give me a phone number to reach her at, gave me an email address just to ignore me for 18 days straight. I called Belair frequently, speaking to a different person every time, pleading for them to tell Heaven to get in touch with me because such little progress was being made. I filed a complaint with the claims manager, Emily, who promised me Heaven would get in touch with me so I could get the $2k reimbursed for the tree removal that she PROMISED during that first phone call! I still have not received a call from Heaven to discuss the reimbursement. Also, It's been 40 days since I filed my claim and they JUST sent the appraisal documents for my car to the auto shop a couple days ago so they could start actually FIXING it meanwhile I've been paying for a rental car out of pocket!! I feel abandoned by this company after having both home and car insurance (by the way, they screwed up my home insurance when I moved too, leaving my home uninsured for weeks!) and making several complaints. I don't feel like I'm an important and valuable customer to this company. read more

I was very disappointed at Belairdirect. I was scheduled to the repair shop for estimate. I thought I can drop off my car and take the rental. So the staff from the repair shop made me to call Belair and confirmed if it was okay to authorize the rental for me. He noticed my car was drivable. After spoke to the adjuster, he gave us the permission. Now Delaidirect wants to the cover the two days rental while it could have been avoided. After I complained they argued that on the first call the adjuster explained the rental is only for use during the repair phase. Clearly I was misunderstood and if I knew I had to pay from my pocket. They preferably used the first call as their evidence and completely ignored the second one which they knew they made a mistake and misguided the customer. It's only 100 dollars however, it clearly speaks about its brand reputation. Action is better than the word. Good luck with retaining more customers. read more

If there is less than 1 star I will definitely give. They are Too slow in processing your claims, employees doesn't want to work especially when it comes to reimburse there clients, and thats reflect the policy that the company build on, I don't recommend this company to anybody. Now what I know that the company will lose more than 18000$ annually premium fees from me and all my family members due to the bad experience that I have from them. Thank you very much belairdirect read more

Just an awful company. Repeatedly ask you to do there work for them. Never answer emails or calls, different answers from employees. Just a terrible experience. read more

DO NOT GET CAR INSURANCE WITH BELAIRDIRECT...I have had insurance with them for 5yrs, was in an accident. I asked agent for rental car n was told, 1 would only be provided if accident was NOT my fault. So I would have to wait until they were done with there investigation. Well, after 3 months of BS, n having to talk to 4 different agents, n each 1 of them giving me the runaround, I was finally told that the accident was NOT my fault, n my car was being written off. So since I FINALLY found out it was NOT my fault, I asked for the rental car that I was promised, well, now that my car is being written off they said I CAN'T HAVE RENTAL CAR because my car is written off and claim is closed. After 100 days of there BS, I found out 3 things. 1.) Uneducated agents that pass you off to the next Uneducated agent. 2.) Will never use or recommend Belairdirect...EVER 3.) Will never use or recommend Belairdirect...EVER. To all existing Belairdirect customers, Good luck. read more

If I could give a zero I would! These people are 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 you 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** read more

Frustrating and unhelpful in each interaction I've had with them I was not satisfied and would avoid them read more

We had a no fault accident 31/2 weeks ago called 3 times to find out what is going on with our claim and not once did our claim agent get in touch with us we are still waiting Very frustrating Erika Braithwaite read more

The customer service has to be the worst I have ever experienced, not only was I abruptly hung up on I was then called a liar about said situation as well my "representative " if you can even call him that was 0 help as well spoke over me the entire time as if I was not apart of the conversation. HE decided to end the conversation when I was not finished nor satisfied. His name is DENOSHAN JOSEPH and he needs a new career choice. I work in customer service and there is no way! I would ever treat a customer that poorly no matter how upset they are.I was given no supervisor to speak too nothing. Nothing was resolved and I have a terrible taste in my mouth with this company. I used to suggest belair to all. I will now be suggesting they look elsewhere. I will take my money else where if this is how you treat your customers its disgusting. read more

dont bother with the online service they can't help you with anything, and when you call service was extremely rude. they send you mail with specific dates but when you call they say the dates on the letters don't matter and they are voided. awful ridiculous experience. read more

Avoid using at all cost!!!!! Started out at $150 for a g2 driver. Since then changed cars and towns,have one accident where someone hit me when I backed out of a parking spot but I'm at fault. Now every time I up date information they keep jacking the price now paying $380 for basic liability only coverage. This company is a joke avoid avoid read more

BEWARE - BAIT AND SWITCH!!! Yesterday I did online quote with balairdirect for car insurance. I got rate of $117.33 per month and email confirmation of this rate. Then I called them today (spoke with JS) to ask one question and proceed.. EVERYTHING was verified and info I gave them over the phone 100% the same as I put in when getting quote online. However, they told me the rate would actually be $156 per month???? I FIND THIS EXTREMELY DISHONEST!! BEWARE - BAIT AND SWITCH!!! read more

The worst company I have EVER dealt with in my entire life. They automatically changed my policy when I inquired about pricing if I moved to another city. They then demanded proof of my current address through bank statements and phone bills. I sent them the information and they NEVER changed it. So I was paying more money for insurance in a city I wasn't living in. They also automatically renewed my policy without consent or notification, claiming they sent an email regarding the matter. My insurance with them was over $330/month for almost 2 YEARS going on 3!!! They then proceeded to tell me they could not cancel my policy unless I proved I was with another insurance company, and a cancellation fee would be applied to my account for terminating the renewal. (Keep in mind I called the day they withdrew the payment from my account for the renewal I was not aware of nor consented to). Two months into the renewal, I missed payment for the FIRST time on December 5th, and they did not notify me. NOTHING! I checked my account and it said January 5th they will withdraw $710 +hst (December 5th payment + January 5th payment + $50 late fee). January 5th comes and no payment is taken. A few days later I checked my account again, and it said the policy was TERMINATED. And I was only INSURED from October 5th - December 5th!!!!! I drove ALL DECEMBER under the impression I was insured and my next payment was January 5th!!!! Thank GOD I did not get into an accident because the company would have severely SCREWED ME OVER!!!! I NEVER RECOMMEND BELLAIR DIRECT. PLEASE BEWARE AND NEVER BUY INSURANCE FROM THIS COMPANY. Some of the workers are reasonable and nice, others speak over you on the phone and downright hang up in your face!!!! FUCK THIS COMPANY read more

62 OUT 73 REVIEWS HAVE COMPLAINED ABOUT HOW HORRIBLE THIS AUTO INSURANCE IS ( https://www.yelp.ca/biz/belairdirect-toronto#reviews ) - YOU WILL BE INFLUENCED BY THEIR SALES REPRESENTATIVES TO REGISTER WITH THEIR SERVICES as they might be a little bit more competitive prices than other auto insurances - This is what has happened to me - I regret it big times for not viewing the reviews on here. I offer pre-authorized payments and 6 weeks prior to the end of my auto insurance, I contact the customer representatives 3 times and I declared to them that I do not wish to renew my auto insurance. They ignored me and they kept withdrawing their monthly payment from my bank account. So the last month, I contact my bank and put a STOP Payments. Belairdirect has charged me $40 banking fees. Now I am escalating this issue to the consumer alert at CTV NEWS. It is a very horrible - probably the worst auto insurance in the country - all they care about is obtaining your money read more

Shady Company- Charged me $100 after I renewed because I removed my mom who passed away from the policy. When I called they said too bad. Definitely will not renew again for any insurance. STAY AWAY read more