belairdirectReviews of belairdirect.com

am extremely disappointed with my experience with belairdirect regarding my car insurance claim. My vehicle was hit in my workplace parking lot, and the person responsible left the scene. I immediately did everything required on my end — filed a police report, opened a claim with the insurance company, and provided every document requested, including phone records, proof of purchase, and any additional verification asked for. My claim has been ongoing since January, 2026, and despite my full cooperation and quick responses, the approval process still has not been completed so my vehicle can be repaired. The delays and lack of resolution have caused me a great deal of stress and inconvenience, especially since I rely on my car for travel and important commitments. I understand investigations take time, but after several months of providing everything requested, I expected better communication, urgency, and customer support. This experience has been incredibly frustrating and exhausting. I hope belairdirect improves its claim handling process and treats customers with more efficiency and empathy during stressful situations like this.

I was looking for insurance for a new vehicle and it was also my first time doing so. Rishma did an absolutely amazing job on what would be best for me. She was extremely helpful. She was looking at different ways we could set up the policy to give me the best premium possible. She explained everything super clearly and was just overall super lovely to work with throughout the whole process.

nightmare for my family and me. A small leak from a refrigerator water line damaged only a few floorboards, yet the handling of this claim has created far more destruction and stress than the original issue itself. In 2000, I built our home from the foundation up. The house was completed in four months using quality materials and workmanship that I took pride in. Unfortunately, after years of maintaining our home, we are now dealing with unnecessary damage caused during what should have been a straightforward repair process. Our insurance was originally with Johnson Insurance, which was later bought out by Intact Insurance and operated under Belair Direct. The restoration work was assigned to On Side Restoration. From the beginning, it felt less like restoration and more like demolition. I was told the original flooring could not be matched, and instead of repairing a small section properly, they ripped up large portions of the flooring and caused additional damage to walls and surrounding areas. I have personally seen these types of repairs done properly with the right tools and skilled workmanship, but that was not the experience we received. We have now been out of our home since February and are still facing at least another four weeks before we can return, possibly longer. What should have been a manageable claim has turned into a major renovation disaster. Doors were improperly installed, work repeatedly stalled for weeks at a time, and communication has been poor throughout the process. The kitchen was removed during the work, and our granite countertop was broken. We were then told the same granite could not be sourced again. This has now created additional expenses and forced us into decisions we never planned to make. A replacement kitchen was supposed to already be installed, but due to repeated delays and poor coordination, the new kitchen now sits stored in a container in front of our house while we continue waiting. One of the biggest concerns has been the flooring. Our hardwood floors had recently been stained and finished, yet the coating was applied without proper heat in the house. Later, after the floors could be walked on, the heat was turned on and the flooring began lifting and cupping in multiple areas. We literally heard popping sounds throughout the floor. Since then, there have been few answers and little accountability. I repeatedly called and pushed for someone to inspect the issue until finally an adjuster came to see the damage himself. He agreed there was a problem, and a report was completed over three weeks ago, but nothing meaningful has happened since. Adding to the frustration, I later discovered that On Side Restoration is owned by Intact Insurance. As a customer, this feels like a conflict of interest because the insurer and restoration company are connected, leaving homeowners stuck in a closed loop with nowhere to turn when problems arise. Complaints seem to circle back into the same system instead of being independently addressed. This situation has caused tremendous stress on my family emotionally, financially, and mentally. Delays over simple approvals take days, communication is inconsistent, and we have been misled on several occasions throughout this process. What began as a relatively small insurance claim has now become a massive, expensive, and exhausting ordeal. At this point, all we want is to return to our home with the repairs completed properly and professionally. Once everything is finally finished, I will be carefully evaluating the full extent of the damage, the workmanship, and the way we were treated throughout this entire process. I believe people higher up within these companies need to understand what customers are actually experiencing, because without accountability, these issues will continue happening to other families.

I truly wish 0 stars was an option. I have been with Belair Direct for 14 years. We have 1 car between my wife and I. My wife had 1 accident in 2021, and I had my first accident in my life last year. Come to find out this year they are canceling us because of 2 or more at fault collisions (My wifes, and Mine). I have always had accident forgiveness on my policy since I started with them in 2012. But apparently, when I got a new car sometime between 2016 and 2021, that accident forgiveness didn't transfer over. And they claim I declined it. Which I never did. They also are not willing to prove it. During my wife's accident, we were also told that accident forgiveness was in affect, and that our premium wouldn't change and surprisingly, after my wifes acident, my premium didn't increase, in fact, it decreased the following year. They are clearly hiding something because they are not accepting any of this information as fact, and not willing to prove that I ever declined accident forgiveness. After paying over $30,000 to them, and only ever getting around 10k back after the 2 accidents. Now with 1 accident on my playbook in 14 years of driving, and 1 accident on my wife's playbook, we are considered high risk now. Thanks Belair. 2nd part of this review: The 2 times we had accidents, they wanted to write off our cars. The first time I understand because there was a good amount of body damage. The 2nd time, a driver hooked my car rim, and dragged me 6 feet, using their vehicle as a battering ram essentially. I was found at fault for their stupid reasons and the damage was a broken knuckle, and a broken tie rod. It was my first ever accident myself so I had no idea what I needed to do. I regret ever calling them. Even during the claim process last year. About 2 days after, when they hadn't looked at the car, and it was sitting in a tow company lot. I specifically asked them how to stop going through with the claim, and just to repair it on my own, and they refused me. Knowing that I would be canceled the following summer without actually warning me about it. Then after 2 weeks of no car and my rental car coverage ending, they towed it 2 hours away, just to tell me they were going to write it off because of a bunch of fake repairs that they claimed it needed. They marked a scratch on the fender, that has been their for ages, and I specifically stated there was no body damage. They stated it needed a new rim, which it didn't. They claimed it needed all new struts, which it did not, claimed it needed new control arms, which it didn't. After arguing with them, they agreed to let me buy the car back for scrap costs and I could fix it. And if I brought a safety certificate back and proof of repair. Then I could get it re-insured. So I took the $5,500, and repaired the car for $1,500, plus had to pay 800$ to get it towed back. Got the safety done. Sent them all this. And they refused me. Stating I needed to get the vehicle marked as a rebuilt, and that involved a structural safety too, which was just not going to happen. After arguing with them, and refering them back to the letter they gave me that I had in writing, stating that I only needed proof of repair and a regular safety. They re-instated my insurance. I understand they are the most affordable insurance. But they are the worst company to deal with. Horrible custom service, does not want to actually help you, tries their best to screw you, and tries everything to not have to payout or follow their promises.

Their system brought up the wrong vehicle for my VIN. What a mess. Horrible company.

Been waiting for over a month. Everytime I call my adjuster is on a line with another client. Left voicemails and emails never get a reply.

If you have plenty of free time and enjoy chasing people for months over a small claim, then Belair is the perfect insurance company for you. My Claim took months to fully close. The best part? An adjuster gets assigned to you initially, but after the first call, they magically disappear forever. Every time you call, a different person answers and you get the pleasure of explaining your entire story all over again. They also failed to pay Enterprise on time, which resulted in me receiving collection notices twice. I informed Belair multiple times and the response was always, “We are working on it.” Eventually, Enterprise charged my credit card directly and then I had to go through Belair’s reimbursement process and it took another month to settle. Overall, a fantastic experience if your goal is stress, wasted time and zero accountability. Great job, Belair. Keep it going.

submitted a claim over a week ago and still haven't spoken with my adjuster. they call me when they know i can't answer the phone and don't reply to my emails. worst service by any company in any industry I've ever received. luckily the damage isn't too much because i choose to eat the bill then deal with whatever games these clowns are trying to pull. Luckily I renew my insurance next month. NOT WITH THEM.