Intact Insurance Auto Insurance Reviews

The one page notice directs you to create an online account with a PIN provided by Intact. After two unsuccessful attempts to log on with their PIN, the form sat until our automatic renewal date, assuming the cost would be similar to last year. I found out thru my credit card account that Intact had raised our rates over 20% ...for no reason... no claims/tickets/late payments/etc...

As a high school student, and having Intact Insurance as my first insurance company has been the worst experiences by far. I was with them since I was 16 years old, paying $211 a month for my insurance, I am now 18 and all of a sudden they have without telling me or without sending a package in the mail have increased my monthly payment up to $343, in addition to this I have never received a speeding ticket nor have I been in an accident that was my fault. To make things even better I have not reviewed an insurance slip and have been driving without a proper insurance slip for a month now and they have not done anything to send me out a new one. When speaking on the phone to multiple insurance brokers I was told as an insurance company they have the right to increase insurance rates, how does an insurance company without notifying their customer to increase someone’s rate by $132 a month! This works out to be $4116 a year for insurance!! The worst part of it all in order to cancel, I must first cancel and then they give you the amount you must pay to leave.. intact insurance has been the biggest scam.. not sure how they can do this to a high school student who works a part-time job.

After the accident, I was not informed with proper information. After I cancelled the policy, I was still paying auto insurance when I had no vehicle and when I realized and stopped the payment, they slapped me with cancellation for not paying the bill.

They are not responsive at all. They are the worst insurance I have ever tried. Not recommended at all.

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.

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.

1: Made me choose a garage without suggesting one or explaining to me that if I choose a garage and have issues with the repairs, they will not be helping me. Now over 1000$ of additional damage because of bad repairs, they won't do anything for me. 2: a year later, try to cut my insurance because I moved out of province, won't understand that the camper van stays parked where it always has been, stays plated Quebec and won't be driven outside of there. Lady refused to transfer me to her supervisor. I had to call another office and then another office where they finally transferred me.

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.