Intact Insurance Auto Insurance Reviews

My 'car + home' insurance rate with Intact Insurance increased by 22.97% overnight when I received a renewal for the 2018-2019 period. I called my broker and was told that nothing can be done about it. I am reporting this to BBB, consumer protection agency and Financial Services Commission of Ontario. My total insurance premium for 'car + home' insurance 2017-2018 years was $2,213.15 and 2018-2019 'car + home' insurance statement shows $2,721.72 for the same insurance. I never had any accidents; no claims, no road tickets or any other factors that would cause my insurance to increase by 22.97% in one year. I have been insured with Intact for over 3 years and never missed a payment. I strongly recommend avoiding this company if you are looking for insurance and want to get a fair price.

INTACT is a terrible insurance company and is causing me grief as I write this. They are not quick to act on correcting their mistakes. I happened to log in online after they announced they were going paperless and I noted that there was a place you check claims. Under claims I noticed one from 2016 that is FALSE and I NEVER made. I have been at least two weeks with this between the broker and INTACT trying to get them to fix it. What happened was I called in with a hypothetical question and NOT - I REPEAT - NOT a claim. The person who entered the claim no longer works for INTACT and no money was paid out, obviously, but I am shown at 100% liability. To me, this is fraud and should have been corrected IMMEDIATELY. Instead, the claims manager stated she would investigate and made no promises. The best she could do was to change the 100% at fault over to 0%. This is ludicrous. While my driving record is a 9 (highest rated) if I was to join a different insurer, this claim would then count against me. Not only that but INTACT could not even tell me if this claim HAS affected my policy or not and this is something they need to consult underwriting for. Furthermore, I was bounced back and forth between the broker and INTACT, each one telling me to contact the other. I also had a windshield replaced years ago and apparently, this shows up as a claim. Unfortunately, I trust Carnaghan Taylor Insurance when they told me it was NOT a claim and that it would have ZERO impact on my insurance while this is not true at all. To add even more frustration, INTACT decided to offer this telematics program, where you receive some plug-in device for your vehicle, which monitors some of your driving habits, and as a result, you receive a discount. Well, back in August (we are now at the end of October) I renewed my policy and was adamant with the broker I absolutely did NOT want to be enrolled. I have zero interest in an insurance company monitoring what time of day I drive etc. This is truly Orwellian and I want none of it. So I was surprised to see an added charge of $177 to my policy in October this year. It took a week to find out from the broker that this was added back into my policy since I never enrolled into the tracking program. The problem is...I never enrolled. I spoke to the broker again the following week and they advised I asked to be signed up (enrolled) which is 100% FALSE. I relayed this information back to INTACT and they advised there may be nothing that can be done. I will take this matter to court if need be. The broker first stated that I requested to be signed up then later in the same conversation stated that INTACT automatically enrolls their clients and then when the client doesn't enroll after so many weeks, they automatically lose the discount. I never received the device, I never signed or authorized any enrollment, and I agreed to a binding policy agreement and nowhere in that do I see any mention of this program being applied. I am furious that I could have easily missed this information and furious that either the broker or the insurance company didn't immediately make things right with me. Well, if they want to make me wait on their clock, then I am going to make sure I expose this and do an investigation of my own!

I was with Intact years ago and my broker ended up quitting and before he quit, he gave me a quote and when the payment was due, it was 100 more than quoted and I called to find out why and that's when they told me I had no broker and wasn't being assigned a new one

Their call centre employees are rude. They aren't able to provide you with a simple answer. The company continues to withdraw money from your account even after you haven't renewed your policy with them. And to top it all, my broker is a lazy liar who seeks to fill his pockets.

I was with Intact for a few years, and in March of 2018 I was in a rear-end collision, where I was unfortunately at fault, but the other driver's car was barely damaged, mine was totalled. Anyways, I decided to park the car and stop driving it, but I was still paying my monthly premium, but I was going through a rough time and I missed a payment, and they sent me a letter but instead of sending it to my mailbox at my house, they sent it to the post office knowing I had no idea it was sent there. Then all of the sudden I got a letter saying my policy was cancelled for non-payment and now I’m considered high risk, in which I’m currently paying $575 a month because of it. I called my broker and she said: “I can’t control when you pick up your mail”, which I thought was really rude. Now I’m on the list for 3 years all because of a mistake they made, I know I’m partly to blame but they could have told me if I pay what I owed, then they’d take me off the list but nope. I will never ever recommend Intact insurance EVER. Plus, I once had a not-at-fault accident where it took Intact two months to determine whether or not my car was totalled or not, which it was pretty obviously not going to be fixed.

I am tired of this runaround over my C63 AMG Mercedes accident. This is a not at fault claim that should have been dealt with right away. I have been told lies about the shop not allowing your staff appraiser to inspect my car. The shop showed me their surveillance system and it didn't show any Intact appraiser coming into the shop. Aside from that this is the worst customer service experience I've had ever had. The estimate you guys sent the body shop isn't even enough to fix my car and is missing major parts also the hood price in the estimate is completely different than my original hood price. I am not going to wait any longer and I am going to have to contact my lawyer to deal with this situation because I have run out of patience and time. My car is a special edition vehicle, the parts are hard to find and I had a custom vinyl wrap installed onto the car which wasn't even included in the estimate. The body shop has been trying to get ahold of you for weeks now and they haven't gotten any response from you. They even called your manager and he hung up the phone on them which is very unprofessional. They even called him back and left him a voicemail to attend to this issue over my car and even the manager did not answer them back. On the other hand, I've mentioned that before, I can't stay longer than this in Canada but they don't do anything about me. They enforced me to move my car from the shop I chose to one of their shop which is they can do whatever they WANT in my car, even use aftermarket parts as they told me on the phone. Also, the first adjuster called me one time only in the beginning of the claim to move the car to their shop, that's it. Then I asked them to move my car to another adjuster, even when they moved it to the new adjuster, the new adjuster never called me once. I did many calls to the Intact company to talk to the adjuster or her manager but nothing happened, no one called me, I really don't understand why they treat their customers like that. It is the worst experience I have seen

Ever since they switched from founders, I noticed it more each agent there was rude, impatient, always making things as hard as possible. FIRST I want to tell you I was a loyal client for MANY YEARS with them. Never missed a payment, always very kind to each of them. To be treated like this and I myself still can hardly believe it. I for sure can't understand the treatment. Lisa M made fun of me laughing about the questionnaire I filled out for them, in which they did not even record it as I wrote down making me lose more money this way! Called me a lier in so many words. Kept on asking the same questions over and over saying I was not NORMAL because I had too many vehicles and that who I lived with SHOULD HAVE A LICENSE! As well as my MOTHER! It is CRAZY I tell you! They ( LISA M) said I should just look for a different insurance company!!! AND get this: she lied to me saying they will not even insure the new vehicle I got because it wasn't in my name!!! WOW, just unbelievable lies, cheating, RUDE, rushing me, making fun of me!! I was truly nervous driving knowing this was my insurance company. I mean my god they felt like an enemy! I still can't believe it all nor understand WHYYYYY I was treated this way but I will tell you one thing: I will let everyone in this world know, if I can, to warn them!! I mean good lord in heaven I have too many vehicles??? So much terrible treatment!! THEN I had to start blocking my phone number whenever I called!!! In order to be answered! It feels like I did something personal to each of them or like my business for some unknown crazy reason was no longer any good??? SO weird, SO awful! Of course, I'm still pissed.

I've been with Intact for a couple years now and since then they’ve given me horrible rates and the customer service just blatantly isn't there. I've had times where I need to switch my insurance from one vehicle to the next and the next thing I know I'm paying $450 two months in a row and when I call them to give my hard-earned money back, they say they can't do it and to get on with my day. So whatever, I get mad and they fix it to its usual $175 for my 1997 Nissan. Until a couple months ago, everything was gravy until I had to switch it again onto another vehicle of mine and the next thing I know I'm paying $350 for 2 cars. One of the cars I sold months back and even told them I only need one on my policy and ask for a refund and they say no, of course, so that's when I end my policy from these money hungry corporates. And then to make sure they can't take out any more money (because I just have a feeling they might try), I put a block against their withdrawal payments but I check the 15th the usual day they take out their unholy sum of cash from my wallet and there it is again, not their money in any way, $150 gone from my bank. By this point, I just had to share my experience with Intact insurance just to let them know that they are the worst insurance company and I do not recommend anyone to ever go near Intact or their Surrex brokers over in Magrath.

I had the WORST experience ever with INTACT INSURANCE. They raise my payments without my knowing and NEVER return your call. Try to deal with them over the phone and mail. With the promise they would return to me in about half an hour time. They never did! Worst Broker I ever had! Wouldn't do anything about it! Even after calls over and over again, they went into my account and took an amazing overpayment! Since I had already cancelled my policy with them. Don't fall for that easy talking of a no-good broker when getting an insurance. DISGUSTING!!

These guys are a Gong Show, they gave me a runaround, had to go through several adjustors, and appraisers, they don't seem to know what they were doing, making assumptions without any mechanical background or knowledge. Hard to get hold of anyone, took forever to return my calls. ...not worth it.