Intact Insurance Auto Insurance Reviews

Intact insurers run a scam where they pretend the police report did not show up on their system . then you find out you have to buy the police report in order to get the claim fully processed . they rush to give you money for a car that is not repairable without giving you a copy of the report , with absolutely no proof that they have even looked at the vehicle.
then they say we will now stop your rental car. terrible experience

Intact is the WORST insurance company I have EVER had the displeasure of dealing with. The customer service is horrible, it takes forever to get a reply via email and/or phone. I had bought a new car and switched over to Intact because it was cheaper, I got my monthly statement in the mail soon after I had agreed to switch and it was $60 MORE then they quoted me, and then. Guess what, not even a week later I get another $50 charge added to my statement monthly. I have NEVER even had a ticket, never filed a claim with any company they had ZERO reason to jump my insurance like that with NO notice what-so-ever. (theirs an example of the horrendous customer service) So of course by this point I am fed up, I cancel my insurance police with them and after not being with them for even 2 whole weeks, I get a $150 charge for canceling, AND I had to pay for the whole month. This company is HORRRRRRIBLE. Save yourself the headache and go with someone else.

Worst company ever.

If you call they might assign you to someone on vacation so you need to keep prompting tthem to move forward with your claim. The call center people were great but my adjuster was just rude.

Someone hit me and I can't even afford a down payment for another car.

For many years I insured two antique automobiles with Intact. In 2008 they requested appraisals, which were done. The cars remained in storage without being driven since that time. A few days ago I was looking for the current pink cards/policy and was unable to find them. I phoned their agent, Brokerlink, in Edmonton to request a replacement. I was first advised that the policy had lapsed because I had not paid the invoice. I indicated that I had not received the invoice nor any indication of overdue payment. I was then advised that Intact had cancelled the policy because I had not gotten a new appraisal after 5 years. I was never advised that I had to have another appraisal done after 5 years. In spite of having my address, phone number, and email address neither Intact or Brokerlink saw fit to advise me in advance that my policy would not be renewed, and consequently I was left without insurance. Their behavior was totally and absolutely UNPROFESSIONAL. I am appalled that they would treat a long term customer who never had a claim in this fashion.

I was about to renew my auto/home insurance when I noticed I had an At fault claim in my record in an incident when a red light runner broad sided me 10/01/13. I inquired about this knowing that I was not at fault and the person I spoke to said that my insurance covered half the damages because there were no documented witnesses. I was not notified by this insurance company that my insurance policy had to shoulder half of the damages. When I requested to have the "At fault claim" rectified they said I had to go to small claims court. I felt like I was gypped. I just don't have the resources to go to small claims court. All I can say for now is do you read your policy before you renew.

Initial poor information resulted in placing a claim that would not have been placed otherwise resulting in a large insurance hike, far greater than the claim itself. Would not accept responsibility for mistake or correct it.

I was involved in an accident where another lady went through a red light and hit my vehicle. It took the insurance company two months to determine it was wrote off. They lady who handled my claim was of zero help and offered me two thousand less than the same vehicles on kjijiji. Throughout the entire incident i felt like my insurance company was against me and not trying to help in the slightest bit. In the end i was forced to buy a vehicle three years older with more kms. I would personally not recommend this company to anyone.

I had an accident with my wife's car, and I am on the policy. It was not my fault, and the police report reflects that. I gave the report number to the claims department, and was informed that it would take them 8 weeks to get the police report, and in the meantime, my deductible would not be waived. I would have to pay it, then they would determine whether I got it back. On top of that, the liability of the accident would remain with me until they investigated. After a lot of complaining, they finally waived the deductible as a : 'customer service' exception. On top of this, I never spoke to the same office or person each time I called. Absolutely ridiculous claims of time for the police report, and I'm not sure why I have insurance when the first words out of the company's mouth is all the things they won't do for me. Customer service at it's poorest.

This review is more about there usage based discounts. We got 2 of their devices for 2 of our vehicles. I would be very impressed with their program, except for the fact that they keep lowering your discount for invalid reasons.

They define a hard braking event, as deceleration of 12km/h (or more) in 1 second. However, on our weekly summaries for both vehicles, they keep including things such as "Deceleration of 13 Km/h in 5 seconds". Slowing down 13km in 5 seconds, is hardly a 'hard braking event', even by their own definition.

If they would actually explain what is happening, and preferably fix it, I wouldn't be writing this review. However, for a month now, they say it is a high priority issue, and still under investigation.

I find it unacceptable that in a month on a high priority issue, nothing has been done. In the mean time, it calculates me low discounts, because I will get 3-4 'hard braking events', which are all invalid!~

Shop around. You will find way cheaper insurance than Intact. I bought a newer car. My old car had the basic insurance required by law. Asked my broker for a quote it was 25$ more for full coverage insurance. Intact adjusted it and came back with a number 150% more than I had been paying. Cancelled my insurance with them immediately they took another payment as penalty for cancelling then tried to squeeze out another 60$ admin charge from me. I put a stop payment on my account and will NEVER deal with them again. Shop around there are better rates. Ten minutes on the internet and I can almost guarantee you will find cheaper rates. Avoid Intact.