Intact Insurance Auto Insurance Reviews

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.

I have been very happy with Intact 'till this summer when they offered me a chance to lower my car insurance. I just plugged a device into my car and it monitored my driving. Everything went well until we started leaving one car in our garage while we spent many weeks and months at our cottage. We kept getting emails telling us to plug our car device in. I finally called explaining what was happening. They said the car had to be driven. Soooo, I had to get my daughter to drive the car out of the garage, around the block and park it every week so our discount would not be lowered. What a joke!!!! On top of this when the car sits for a week or two, they lower my discount amount available. What is the logic in this? I called My discount and they tell me to call my broker. I call the broker and he tells me to call My discount. This is useless. It has caused me more hassle than the money I can save. Do not use My Drivers discount unless you will be driving your vehicle all the time.

The rate I was paying from 2017-2018 was $270 as I was a new driver with my G2 license. From 2018-2019 they decreased my rate to $239 a month, as I got my G license and proved to be a good driver! I received my renewal package at the beginning of January 2019 for the 2019-2020 year, and my rate went up to $290 a month. I was confused as to why there was a $50 increase monthly as I have not changed my address, I’ve never been in an accident and have never received any kind of ticket. I called Intact to see if they could explain to me why there was an increase and I was hung up on and when I finally was able to talk to someone, I was told that everyone’s rate was increasing, but by $50 dollars a month, which I found to be quite ridiculous. After this, I found a new auto insurance and cancelled my insurance with Intact. While cancelling my insurance I asked the broker “will I be charged for the month of February?” His response was “No, your last effective coverage date by Intact is January 31”. Tuesday, February 5, I saw Intact charged my account $290!! Straight away I tried calling, as I was explaining the issue to a broker, I was hung up on again! I decided to call my bank and put a stop payment so that Intact isn’t able to take any more money out of my account and I was refunded my $290 from the bank! Intact is a disgrace of an insurance company, they rob people and when you try and talk to someone, you get the runaround or hung up on! Do NOT give these thieves your money, there are way better companies out there with way better rates AND customer service.

Enrolled in my driving discount and it is a complete joke. I have no data on my phone as I cannot afford it and I was ensured that the device would be a reliable way to track my driving. I have now gone through 3 devices that have been 'dead'. Upon calling tech support I was finally told after 5 months of fighting with my device, my vehicle was incompatible. Seriously? This should not be an issue due to the variety of vehicles on the road. There are so many different vehicles of different makes, models etc. you should not have this issue with this sort of device. The tech support kept telling me "well, it is a voluntary program.." - well, duh. I enrolled for cheaper insurance! That is what your company promised me. That is why I switched insurance brokers in the first place! Not to mention with my other insurance company I was with Intact as well and they were charging me 200 something a month for my insurance. I went to my new company who put me through Intact. Intact charges me 194...173 with enrollment with my driving discount. Of course, I'm going to enroll, it's cheaper. So they hook you with that promise then screw you over.

Unbelievable service ….Our Father passed away the end of Dec 2018. This company won't let us cancel his car insurance...we have provided his death certificate and bill of sale showing his van has been sold...still not good enough for them...they want a copy of his will (which is none of their business) or a letter from a lawyer (yes, at our cost)...I guess I might have to bring his ashes and pour them on their desk ...or get the press involved ..Beware even if you're dead, they will still try to rip you off

Intact is the worst insurance company in Canada. Their customer service is atrocious. Make sure you read the fine print. Because there seem to be different clauses that only work out in their favour. I had a vehicle written off. They compare 10 vehicles chosen by them. Nothing near anything acceptable. All high mileage and some were damaged vehicles. When I looked at the current price for replacements, they were ALL 4K above their price. Beware. Insurance companies are there to take, not give. Intact says theirs better than all the rest. NOPE. 13 years with them. One claim. Screwed over equals buh-bye Intact. A big 0 stars.

DO NOT GO WITH INTACT. I wish I had read the reviews before signing up. A week of "My Driving Discount" and I was out. The app is ridiculously stupid and clearly set up to take your money regardless of the quality of your driving. I tried to cancel my Intact policy over a month ago, and they have had me jumping through hoops to get my refund ever since. The latest update? I was sent a letter saying "your refund will be processed upon clearance of your last payment". What does that even mean? I paid Debit in full over a month ago. This entire experience has been an absolute NIGHTMARE. To summarize: DO NOT GO WITH INTACT.