Intact Insurance Auto Insurance Reviews

PLEASE BEWARE, USE THEM AT YOUR OWN RISK. A broker recommended intact insurance due to the quote. We decided to go ahead with it. Intact left file pending for a good couple weeks. 4 times I went to Service Ontario to obtain a sticker renewal and I was not able to. The broker contacted Intact several times and they had excuses. Finally, they resolved it due to leaving my file pending. It was until after the first month we noticed an increase. They said oh you cannot get winter tire discount. I said why I have winters for all my vehicles. Then they said you have to have a receipt. So I went and purchased brand new winter tires. Provided them with the receipt and still, it was enough for them to give me the discount. They would not take pictures of cars or anything. Then the second month we noticed an additional increase. I contacted the broker again. The broker contacted them and they came back to say that the monthly increases were because I am supposed to have an app on my phone. I said for what. They want to monitor your driving, how often you brake, where are you going, how fast you drive etc.. I said I never authorized any of that. Even at the beginning of when we got the policy, I said no to that. So their excuse was they increased me because I didn't want the app. my policy, by the way, jumped 150dollars a month more to almost 500 dollars. After several months of all of that, we decided to cancel them and go with another person where we are saving 200 dollars a month. It is illegal for an insurance company to increase your rates without notification.

I have a false car theft claim on my record. I was never informed by Intact. I found out through another insurance company. I called my broker who knew nothing about it. I called the Claims Department for 2 weeks and spoke to 7 different agents. The claims department said they had to investigate which would take 3 months. I told Intact that my policy was due and they said they would contact me before the due date guess what? They contacted me on the due date which was too late to switch to another company because of the false claim other insurance companies quoted me with high premiums. So I am forced to stay with them for another year. In the meantime, I have filed a complaint against Intact for mistreating, misleading, defrauding me to stay with them. They also increased my policy from $ 538 to $ 682 for no reason. Please don't join Intact!

I recently had an accident where I was rear-ended. I contacted my broker and Intact to go through the procedure to start a claim. I was not at fault but they treated me as such. My broker did not defend me. They never called me, or the collision place to provide an update. When they (adjusters) finally gave me an offer, after confirming my car was a total loss, they provided an offer that was less than the car's worth... They acted like they were doing me a favour with the offer they provided. They will act like they care until you actually need them too.

The best evaluation should be 0 out of 5. The worst ever Insurance company to my opinion, after the first insurance of 2 years that was a satisfactory amount they increased 27% the insurance amount without any reclamation requested. The discount also of 25% mentioned all days on TV is worthless, you cannot even reach 10% while riding a bicycle not a car. A way to get you and the year later they are more expensive than the other insurances. The broker refused to communicate with Intact and asked me it's my responsibility. Very impolite request.

I don't know where to even begin. We were in a car accident that should have been a simple claim. It took 1.5 weeks to have the vehicle looked at. Once we heard something, they wanted to repair the vehicle for $7500 when the vehicle was only worth a maximum of $8200. The $7500 was an ESTIMATE and therefore the true damage was unknown. When we received the information, we instantly requested that it be escalated to look into a total loss. We explained our loss of confidence. From Feb 20, 2019 - March 6, 2019, we got the run-around - told that it was under review. On March 4 in particular, we called for an update (up until this point we had NEVER received a call from Intact; we have ALWAYS had to call for an update) and were told we would receive 3 pieces of information via email by Tuesday. Our broker also called and confirmed this. By the 6 of course, just like the reps' soul - our inbox was empty. I finally lost it! I called them and was told that we were refusing repairs and the rental would be done the next day (never received a call before this saying: we have done the review, here are our findings, based on our findings this is our decision...). It wasn't until I SPELLED out the neglect and bad faith in an email and CC'd the president of Intact until someone actually heard me. I came to learn that after all this time, not one person had requested an autosource to determine the actual cash value of our vehicle, but they were so quick to tell me my vehicle was worth $9600 - with no proof?! We also learned from a phone call from the owner of the wreckers that they were told on Feb 20 to order parts and start repairs (ILLEGALLY WITHOUT THE CLIENTS CONSENT)!!! In the end, we got what we fought for (though we never should have fought). A manager advised that there wasn't anything special being done on our case. Our vehicle was well within the parameters of a total loss (OMG). I was then told that I had until Monday to empty my old vehicle. I told them I would go on Saturday - which they told me was fine. Only to show up at the wreckers that are closed on weekends and no access to my vehicle (I live an hour from the wreckers) and no one will return my calls/emails now! We could certainly SUE Intact on bad faith with handling our claim. The neglect, etc. If I wasn't so exhausted from fighting for what is right for 5 weeks, I would be suing them. Thank you Intact for the mental stress that you caused my family through an already stressful time. I will NEVER EVER EVER EVER be going with Intact again. As soon as my policy is up, I'm out of here. My family, my fiance's family and all of our friends (and as far as I can spread the word) will NEVER use Intact. Horrible. Horrible.

I have been very happy with Intact 'till this summer when they offered me a chance to lower my car insurance. I just plugged a device into my car and it monitored my driving. Everything went well until we started leaving one car in our garage while we spent many weeks and months at our cottage. We kept getting emails telling us to plug our car device in. I finally called explaining what was happening. They said the car had to be driven. Soooo, I had to get my daughter to drive the car out of the garage, around the block and park it every week so our discount would not be lowered. What a joke!!!! On top of this when the car sits for a week or two, they lower my discount amount available. What is the logic in this? I called My discount and they tell me to call my broker. I call the broker and he tells me to call My discount. This is useless. It has caused me more hassle than the money I can save. Do not use My Drivers discount unless you will be driving your vehicle all the time.