Intact Insurance Auto Insurance Reviews

I was in a car accident & was injured, they refused to pay for my Physiotherapy. I’ve been in an accident before with another company & they covered my Physio expenses for the future also. Definitely, way better car insurance companies out there!

I hope this message can help as many people as possible know that this company will find any excuse not to ever fix your car and pay the least possible amount. There was a big piece of metal that doesn't fit under the car in the middle of the highway. This piece hit the center of my car and swerved to the right side of the car where I drove over it with both my tires. When I went out, my foglight was broken, the car was scratched from the front center to the right side and all the way to the back. When they went to inspect, they refused to fix the foglight because it looked "Dirty" and refused to fix the scratches because they looked "Dirty" and ended up paying only 106$ to change my tires that were used only 1 winter! They refuse to believe any damages were caused by that incident, basically telling me I'm a liar indirectly. Now I have to pay 450$ extra from my pocket to fix all these problems that were caused by the metal piece in the middle of the highway. They did nothing for me, didn't even compromise and asked me to return my rental car before my car even gets ready or marking the claim as complete. I didn't even get the 106$ yet! Now I have no car, no check from them, spending more on uber, waiting to figure out what will happen to my car after these damages. Don't use their insurance. Overpriced and won't cover you.

My son was T-boned at an intersection when he had a green turning arrow that turned yellow on his way through the intersection. The Third Party claimed she had a green light and two vehicles went through the intersection before she entered. Vehicles could have gone through the intersection from my sons side where he had a left turning arrow and the through traffic had a full green to proceed straight, however, on the Third Party side of the intersection all lights were RED!!! The car in front of the Third Party turned onto the ramp before the intersection and did not proceed through the intersection. The Third Party and witness were sitting privately together in the witness vehicle before the RCMP took the witness statement and this was confirmed by Intact. The witness stated that the Third Party had a full green light HOWEVER Intact sent me an email stating the witness stated to Intact "he looked at the traffic light AFTER he heard the accident noise and realized what happened in front of him". My sons statement to the RCMP was he had a green arrow that turned yellow on his way through the intersection, therefore by the time the accident happened and the witness realizing what just happened in front of him and looked at the light after, enough time had passed for the light to turn green on the Third Party side. The witness couldn't confirm the Third Party statement about two vehicles going through the intersection before her. Intact confirming the witness look at the light after the accident and the witness couldn't confirm the Third Party statement about the two vehicles and Intact didn't even ask questions to the Third Party about where the two vehicles were which she was talking about, Intact knowing the car in front of the Third Party turned onto the ramp before the intersection. Even with this evidence and more not explained here, Intact found my son fully responsible for the accident.

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.

Intact insurance worked closely with their preferred body shop to deny repair to most of the damage from my accident claim. Even though the OTHER VEHICLE was 100% at fault!!! I was the one screwed over. I was returned with an unsafe vehicle that shouldn't be driven. The only way I found out was when I backed my truck up and turned the wheel - the tire ground against the wheel well. I returned to the body shop only to be told the wheel well need adjusting. Part of their big repair, the impact crushed the bumper in and damaged the wheel and tire, all the plastic shrouds and trim also damaged. They replaced everything visible and cosmetic, but upper control arm, the important part, that allows you to steer and affects the handling, performance and safety of the vehicle. That they don't fix!!! The only reason I found that was I went to a reputable shop and they within 15 min. found it and they never did a front end alignment either, not possible with that damage!! My front driver side wheel was shoved back 1 1/2" and tires were not aligned. When I contacted Intact, they refused to repair it, they said I probably damaged it from a pothole, he says they damage very easily from a pothole!!! Wow!!! So it didn't bend from a 5,000 lb vehicle smashing into me at 50 kmh? Just brutal!! They suck and so does their preferred lying body shop. Never trust them, they are a team, their #1 job is to not pay!! They changed one tire giving me unmatched tires, never fixed the CD player that jammed my CD and broke from the impact, the lousy horrible Bondi and paint job, I could have done it better, the bad customer service, it was a horrible nightmare, eventually I took my truck to another shop and had them fix and I paid again. So, as long as you're paying, Intact is there, you have a claim, they're gone!!

In 2002 my Lexus book price was $75,000. Now in Feb. 2019 Intact does not want to pay $3,200 for an accident claim and instead calls it a total write off! They want to convince me that the actual value of this car which is in perfect condition except now missing a corner of the front bumper should be put in the junkyard and tagged as a salvage vehicle. To make attempt to prove their point, they supplied me with a single comparable rusted out car on sale in Kijiji that had over 400,000 km on the odometer! My car has 200,000 km. They seem to try every trick to not pay a fair price and save themselves a few dollars. With a little research, I have lots of comparable car sales that can prove the current value is well over $5000 and this car is not a write-off. My advice to others is don't allow the insurance companies to lie to you. Challenge them and go the next step which is contacting their Ombudsman to settle.

Had a guy blow a red light and slam into us. We were maybe 10 feet away on a 4 lane main road and he was coming out of a small side street. Been with Intact for over 10 years, no claims since I started driving in 1977, have the home, auto and commercial policies with them. Called from the accident scene (it was Sunday) and talked to a nice customer service guy. Told me my adjuster would call me within 36 hours (fair enough). Nothing. I call and only get voice mail. I call back and talk to Customer service...for an hour. He took all the information, the police report number, the details, EVERYTHING and said he would have forwarded it to her so that she would have it on her desk when she got in. 11 days after the accident and several emails to her and pictures I took at the scene, I finally get hold of her. I had to do all the running around and paperwork, no returned emails...this was a truck we had just bought for our business and only had it for 11 days. Yes, it was used but in amazing shape and not cheap. It was through a dealership, not a used lot. They did a commercial safety on it, replaced brakes, and brake lines, went over it with a fine tooth comb and it was in perfect order when we drove it off the lot. We were told that it would take 9 days to fix it. ...over 30 days later it was still in the body shop. From the front impact, the driver's side fender was damaged, the hood, the condenser in front of the rad was damaged, the windshield was cracked, which they approved because they were obviously visible. We noticed (at the scene) that something was dripping by the passenger side front wheel and when looking underneath it, you could see fluid coming out of the brake line. When we drove it (it was still marginally driveable) to the body shop, the truck was trying to pull you into the ditch, so you had to really lean on the steering wheel to keep it on the road. When driving, the whole steering wheel had 'play' in it, meaning it could be 'wiggled' side to side and the wheels did not turn in that direction unless you really put pressure on it. When you started the vehicle up after the collision, there is a loud rattling noise that carries on for a few minutes coming from inside the dashboard. We pointed all that out to the body shop and when the appraiser from Intact came to look at it, he said that the leaking brake line was not due to the accident, the alignment that was totally out of whack had nothing to do with the accident but because it was a used vehicle, it was a maintenance issue, and he could not hear the rattling noise because by the time he got to the body shop, they had already taken off the condenser and the vehicle could not be started without ruining the turbo (it is a 2500 Dodge mega cab 4x4 Diesel). He is not trying to tell me the noise I hear is the diesel engine because it sounds different from a gas engine.!!! He also noted that the truck had been used as a plow truck because he could see the plow hookups...what he is referring to is the 2 tow hooks that are standard on all Dodge trucks, it is where you can hookup chains or a tow truck to pull you out of the ditch. They are factory installed on all trucks !!! Plow hookups are holes that are drilled into the frame for the plow hookups to be mounted and then sit under the truck near or slightly behind the rad. Goes to show you what he knows. I ended up taking the truck back to the dealership for an appraisal and the same mechanic and his supervisor looked at the brake line issue and compared it to the work order for getting the safety on the truck. They gave me a detailed rundown and explanation of the leak, and said that it was consistent with a collision such as ours...in writing (they service and safety our provincial police vehicle, ambulances etc, they know what they are doing), now the appraiser says that the moisture we see on the brake line is not caused by jamming the brakes to avoid the accident, but that it was WD40 the dealership sprayed on the clip for the brake line. He also says the alignment has nothing to do with a front/side angled collision, it is a maintenance issue. Intact cancelled the rental TWICE saying they thought the vehicle was already fixed. They did not call the body shop to see if the vehicle was done, they just cancelled the rental...on a Friday evening just minutes before their office closes. They gave me a rental truck BUT I still had to hire my COMPETITION to service my clients that I have a contract with because I need to pull a trailer with pallets of product and you are not allowed to pull a trailer with a rental. Went to the Client Care Dept and made a complaint that they would investigate and address and get back to me within 10 days...That was Dec, just before Christmas...nothing, I again had to email them and give them a deadline in a strongly worded email. Feb. 28, I get a letter from them full of misinformation about the issues I am having, saying that I was complaining about a transmission leak???, nope, that never happened, saying that it was a plow truck... saying that I said the steering wheel leaked ??? nope, never did that, the steering damper, yes, it needed to be replaced, at my cost because apparently in a front end collision, a steering damper cannot be damaged...according to them. A 5-page letter with their 'finding' that is so badly written and full of blatant spelling errors and lies, it is a joke. I am still fighting this and will take it to the Ombudsman and the Better Business Bureau and the Financial Consure Agency, which is run by the government of Canada. My insurance renews in April and I am dumping this piece of garbage company.

My car is a total loss. Took 3 weeks to tell me that then the money was supposed to be direct deposited in my bank, 6 days later still not there. Then they told me to get out of the rental, I said: not without the money to buy a car. Then they issued a cheque Wednesday, supposedly sent it by courier Thursday. It's now Tuesday of the next week, no money, nobody can give you tracking information. This company has awful employees and service. I won't be renewing. FYI the total is not my fault either.

In August we had a collision with a dear and we have a replacement value clause on our insurance contract. The car was not severally damaged but the airbags deployed. Intact took 1 month just to figure out if it was a total loss or not. After fiddling with the evaluation report (putting ridiculously low hourly rates) they managed to pass it as a repair. When I was contacted to recuperate the car I asked for the total costs and it totalled $27000 + $5000 for the courtesy car. Today they refuse to pay the rental company for the courtesy car and they are holding our deposit and after such a pricey repair on the car, it is now worthless (lost about $10000 of it's resell value). If you want replacement value, do not go with Intact, they will find any way of not replacing your car.