Intact Insurance Auto Insurance Reviews

I requested my broker to cancel my policy with Intact and he ignored me plus ignored 2 follow up questions on the request to cancel. He sat back and did nothing so the policy renewed and I was charged $126 when the broker finally cancelled after the dead line. I sent Intact e-mail proof that I requested the cancellation of my policy well in advance of the renewal date. Once again I was ignored and Intact withdrew the money from my bank account. This fee of $126 should have been charged to the broker. Beware seniors and young people, Intact will rip you off because they think we are too stupid or too old which makes us easy targets. Linda McHugh, Toronto- East York.

Our Son (17 at the time) had a collision with a person who turned left in front of him. So in most if not all provinces in Canada, that person who turns left is an automatic at fault, especially so when our son's light was proven to be green!
The short of it, we had to fight a ticket by a CPS officer who profiled our son (he had a loud SRT-4), and just had that withdrawn in Alberta court.

Now Intact wants the courts documents for proof (makes sense to me) ,but they want to assign 50/50 blame vs the person who turned left in front him being 100% at fault!

They don't listen, nor do they return calls emails go unanswered and unless you get very verbal and nasty with them (As I have now been doing) they will only respond to that type of action. Really quite sad how they seem to work outside of what the law says is or isn't.

Intact also increased our sons insurance 52% due to this accident EVEN with the charge being withdrawn, even with the evidence that proves beyond any doubt that our son was in the right, and they say it's charged but not convicted! The rate will drop only by 25% when they receive the documents from the courts.

Now many insurance companies allow your annual premium to be split up over the 12-month period, as does Intact, but they charge our son $110.00 annually for late payments that they agree to! They also charge him $20.00 each time they send out documents that were NEVER requested, all these smaller non-disclosed fees, added up equal other higher rate companies so do your homework, as these a**holes are about adding fees upon fee.

So my advice, they offer cheap rates, but don't go with them, HORRIBLE, HORRIBLE delivery, business model brokers are never in the office (yes, this is not intacts problem but it's a sign)

Lesson learned, we are switching over to a new company, even paying marginally higher rates (10% higher than what we started to pay with Intact in the beginning).

I enrolled into the 6 month discount program. I was told by my broker that the device would be installed for 6 months then had to be removed and sent back. When six months arrived i searched my email for the request to send it back. When i found nothing i called and asked my broker what was up. They said to call intact themselves because they only had that info. I called them and they couldn't tell me anything and said to call my broker. I called my broker back and they informed me that it could take up to 270 days to complete the program. I laughed and said okay i'll complete it. I logged in to the online account and searched through to see what deductions were being taken off of the 25% potential discount and realized that the company has a very unfair and rigged weight system to ensure drivers do not meet the 25% e.g. if I started with 25% and got a hard brake one week they would deduct me to 24%.. then the next week if i did nothing wrong the following week would still be 24%.. What a joke.. I will never sign up for one of these scams again.. They are honestly just collecting data for themselves. And to be honest i believe having the device is making the roads more dangerous because you are constantly worried about maximizing your discount.

I live in Toronto, I was rear ended by a vehicle that registered in Alberta.
I was clearly not at fault. My adjuster told me to contact the other insurance company in Alberta to deal with it, Because I don't have the full collision coverage. The adjuster even sent me an e-mail that the Claim is now closed. Then I called the other insurance company to assist me. but they told me, they have nothing to do with me. Then I hired a legal rep to call my insurance company (INTACT) to get through the claim. but they didn't cover what I have lost. My claim was only $1,043.00 for vehicle repair and a cellphone to replace. they are telling me to buy something on kijiji, ebay or amazon. They don't want to get me a replacement.

If anyone has an Intact Insurance personal or commercial liability slip/card that they do not want anymore, could someone send theirs to me. I am working on a project, as this insurance company had sent me the wrong insurance slip for commercial use of a vehicle that could have gotten me into serious trouble, with the police, and they are presently saying they did not, but they did on paper. I am trying to establish the difference between the two slips, or the printed layouts of them only, as examples or references.

If you can help, all I ask is that you just black out your policy number, your name and address, expiry/start periods, and your agents name, seeing this information is not needed (that's your personal policy, and not mine).

Thanks, in advance.

Intact Insurance monitors your driving for a minimum of 6 months. Based on your driving, they apply a discount. After 5 months of being in the program, my car started to act up. The power steering would kick on, my anti theft light came on and the gages on the dash were fluctuating. I did not feel safe to drive with my car being this way so I went to a mechanic and he did a test and told me that it was the monitoring device for the My Driving Discount that was doing it. I called intact and they sent me a new one. The same thing occurred this time it happened right away. The company said that I have to unenroll from the program because it had not been 6 months or meet their requirements. Overall, they took my data and left me with nothing but a screwed up car. Thanks Intact!

Agreat company until you actually need them. Got hit by a car who ran a stop sign (my part of the road didn't have the stop sign) so 100% not my fault. My car was written off and undriveable yet still took 5 days to get a rental car and the only reason I got it was my dad took over and reamed them out for 1/2 hour. Tried to claim that the driver of the other car never spoke to her insurance yet so they couldn't process anything. We called her and she not only had but also her car was already in the shop and had a rental. Took another week for them to give me the money for my car and wanted to take my car from the yard it was at before they paid for it luckily my dad knew the guy who owned the yard and stopped them from removing it. All very shady stuff not to mention because I got into an accident a week before the insurance renewal date I couldn't cancel like i wanted to because it was in the middle of a claim. So stuck with them for another year or have to pay the expensive cancellation fee.

Brant H. was my broker. Rude, obnoxious, arrogant. Would not give me a straight up cost for my premium. When I got the copy of my premium in the mail, it was nothing close to what he told me by email. Nevermind the hassle of asking him to call me when he is available, he will go and tell you that he is "busy assisting others with claims, too busy, please email with your concern". Everyone in his office is just as useless. He always tells me to go talk to his assistants for help, so when I go ask them a question, I get referred back to Brant, they can’t ever give you a straight answer. Constant flip-flopping of questions being juggled around, prices never accurate. They really need to get their act together. Insurance companies are supposed to get you the lowest possible rate. Why is it that I could always go get a quote from another insurance company, and its ALWAYS lower than Intact? If you enjoy being ripped off and treated like crap, please go with Intact. Other than that, I am switching to TD, because my premium went down $2500 just from switching. What a relief. So happy I’m done with Intact. Worst Insurance Company with the WORST Insurance Brokers on the planet. :)

I had an accident in which I was hit by a car but the car took off. I reported the accident to the police with the license plate of the car that hit me. It was clear by the police report that it was the other car's fault. Intact stalled asking me to fill out forms after forms and then finally made an offer. They said that it was a write off even though the mechanics said that it was not. They said that the car was worth a lot less than it was. I was told that I should gather information on sales of other vehicles in similar conditions and submit it but when I did they changed their minds and said that it wouldn't change anything. It was over a year before they paid me the money. They stall until you finally give in. I will never use them for insurance again! The people that I dealt with were constantly contradicting themselves. Their commercial is that they start your claim immediately but they don't tell you that they never finish it

After being paid out $3,000 on my accident Intact without my knowledge registered a $14,000 "encumbrance" against the title of my vehicle , making the $28,000 car worth $6,000 on the open market. It was unsalable to the private buyer and unwanted by dealers as a trade-in. Intact failed to disclose the registration on title and until attempting to trade the vehicle I had no knowledge of their actions. While investigating my concerns it was brought to my attention that Intact Insurance had purchased Broker-link Brokerage in Dundas and for numerous years "neglected" to inform me that they in fact had never ever shopped my insurance needs to other companies for the best prices. For many years Intact and Broker Link overcharged me for auto insurance based on what many other people with my good driving record were paying elsewhere. Intact failed to fully disclose and broke many integrity rules. The Insurance industry Ombudsmen has been notified for investigation. For over 30 years I was a loyal customer only to find out that I was being very poorly treated and represented.