Intact Insurance Auto Insurance Reviews

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!

I was ran over in a crosswalk by a guy who uses intact insurance. I also am insured by them. I was hurt really badly, driver admitted hitting me in crosswalk he was charged under motor vehicle act, tried in court and convicted. After accident my wife suggested getting legal counsel as she felt I would get run around.

Lawyer started claim on my behalf. Had conference with adjuster told I would be given section b benefits for medical/ lost wages. Great atleast things would get taken care of. Boy was I wrong. First thing I get sent to a physio company, I was promised by intact they would pay. Here I am in physio with a head full of pain killers been there 12 sessions. Next thing I know I'm being told my physio wasn't being paid I had to cover cost. I couldn't work had a 4 year old at home and only wife's income which was part time as she was in college. I have lawyer call and get told by intact just to pay as the paperwork was being processed. They stated I would be renibursed but I couldn't afford to pay as them nasty little things called bills wait for no man. I had to quit as 175 per season x 12= 2100 dollars. Didn't intact use this against me saying I hadn't done enough to mitigate my injuries? You bet they did

Now I'm promised section b benefits of 80 present of my wages. After weeks of nothing I get told before section b begins I have to use my employment insurance illness benefits and once they lapse I'm covered. I found this weird the government had to pay out for a injury they were liable for. So the Sick benefits run out and still no section b coverage. Eleven months later and bills piling up I get a check Christmas Eve.

Section B payments were 140 per week or 560 per month no where near 80 percent of my wages.(welfare recipients made more per month) Then one month check is on time next it's late. At times it would be two months before I got a check other times it wouldn't come due to adjuster vacation or they forgot. Hard to live and pay bills when you never know if a check it coming.

Wife and I go to renew insurance as we also use intact. Premiums tripled so we inquire. States I have two claims one for a minor accident I aknowledge and another for a claim the same date I was run over. They used my policy to pay me section b even though I was walking across a street when hit. Hell of a time to correct this and is still on my record!

5 years later still no compensation heading to court as I'm not believed even though plenty of documented proof of injury and they never sent me to a dr to despite my claim. Been harassed by there private investigators constant at home and at work. They even stalked my wife's work. Never have I seen such a deplorable company. I laugh at the tv ads. They are not out to help just save money and gouge everyone in process. If you ever have a claim hire a lawyer expect to be harassed neglected and called a liar

They will screw you any way they can and can get away with it. Your truly a David vs Goliath.

Oh where to begin. I have NEVER written a bad review for any company in my life but this had to be done. I'm not actually with Intact but I was in a horrible road rage accident will driving in the passenger seat with my boyfriend. The man hit us so hard and it resulted in one hell of a painful injury for me. I know that my boyfriend had a whole set of problems with the accident claim but I was dealing with the injury department. My accident was 6 months ago and I have been contacted by 4 different people (via email, they won't call me) about my injury, each time asking me to begin again to describe what happened. I still have not heard back from each of these 4 a second time. My boyfriend can't get his car fixed and I can't get treatment because I've maxed extended health care benefits. Same goes with my boyfriends accident claim. I won't bore you with more details but please reconsider this insurance company before you are in a nasty accident. Like I said, writing a bad review is a totally first for me, so this has taken a lot. I am also personally with TD who has been absolutely amazing.

This company is NOT there for you when you need them. I was in an MVA, another car ran a stop sign and hit me and totalled my vehicle. I am have major surgery to my spine (ACDF c6-c7) and even though they were provided with more than sufficient medical reports and diagnostics, they still insisted I see their "doctors". I agreed, as I have nothing to hide. All I was trying to get was wage replacement while I recover from the surgery and they have denied me because their "neurologist" says I have carpel tunnel. A neurosurgeon would not be opening me up and doing major surgery on me for nothing (he has nothing to gain) especially when carpel tunnel was ruled out with nerve conduction studies. I am a hard working mother of 3 children, I am a nurse and I may be looking at losing my home..thanks to this criminal organization. Do not use this company!! They only want your money and will not help you when you really need it. My advice after my experience with this organization is if you have an accident, lawyer up immediately!!!

I had a accident on Nov 17/2014 and my car was deemed a total loss by December 2014. Intact provided a for 58 days before making me an offer, I made a counter offer on the day they took back the rental. Today is Feb 19/2015 and they still have not come back with a number. I have been left with no car and no settlement for 6 weeks. Why are our insurance premiums so hi with service like this??? If I could rate intact a zero I would!

Please do yourself a favour and avoid this 'company'.
Had a not at fault claim. Completely useless. Was misinformed by various representatives, my claims agent was "unable to make outbound calls". Ripped me off my rental car time allotment.

Tell everyone you can to avoid this lazy, cheating company.

I got backed into by someone who has insurance with intact. I wasn't even in my car and I was on the far side of a parking lot. There were absolutely NO other vehicles around or near me this guy was just obviously not paying attention. So this little accident caused some serious damage to my car. The air conditioning is wrecked my transmission oil cooler is wrecked as well as my power stealing cooler and that's only the damage that is visible!!!! I am a single mom with two kids. My youngest being six months old and my oldest turning two in November. So! I got an approval yesterday to have a rental vehicle until my car is fixed as the shop they deal with cannot get my car in until the 18'th. so I get a sitter take my car to the body shop (I had to sit there for an hour while they talked to an insurance adjuster) then I ended up having to drive down to the rental place and pick up my rental. I left my damaged car there cuz I didn't have anyone to drive it back to the body shop with me. So today I get a call from intact saying I have until the end of the day to RETURN the rental cuz they will only cover the rental while my car is in the shop. Just becuase it is not SAFE for me to drive my car in plus thirty two weather with two babies doesn't mean my car isn't driveable. They told me to roll down my window. My issue is why do I have to be inconvenienced by this when I wasn't even near my car when this guy backed into me??? On top of that if my transmission over heats from driving it while the cooler is damaged they won't cover the cost to repair any further damage then what the quote said. The thing that hers me is I was approved yesterday for a rental until my car was fixed by a lady the body shop was dealing with then the adjuster on my file called me today and said he was cancelling my approval??? Pardon my language but WTF?????

As an 19yr old female under my parents name, i was paying a whoping 272 a month. For the lowest everything.... so pretty much just having it to be legal. After months, i just got to thinking how rediculous that amount really is. I even completed my G and notified them, and they didnt drop my rate even though i was then a better qualified driver. I called and asked why itdidnt drop in price. Customerservice couldnt give me a straight answer, or one that made sense at that. After three times of her trying to justify why it didnt drop in price i said enough. Hung up. Started searching around. I saw no potential in ever paying less in price from intact insurance. Plus, customer service ... was rude. Needless to say, i switched. I now pay 188. Thats right 84 dollars cheaper a month. Enough said. A 50min phone call to another insurer (girl who set me up was polite and didn’t act like you waste her time) …made me feel like I won the lottery. Switch today.

July 7 2013, in my 1966 Mustang, sitting at a red light I got rear ended really hard by somybody in his Mercedes SUV who didn't even brake at all. His licence didn't even match his insurance and out of fear that he didn't update his licence from BC to Alberta for over a year, he offered to give me cash, which I refused. I got injured needles to say, and I made a report to my own insurance company (TD Meloche Monnex) the same day. I waited month and they were completely absent, didn't return my calls, and people were taking vacations left and right. They sent an Adjuster who was shocked it was a 1966 and told me he had never done an old car and thought he was doing a quote on a recent model Mustang. Needles to say a total nightmare. They were rude, telling me to find my own shop, when I speficied I wanted to go to there preferred shops. I spoke with the manager, and he spoke to me like I was a kid, telling me to take the money and run. This car is my investement, and I already had $25,000 invested just in mechanical parts alone, and it's not a point A to B car. I had enough with TD Meloche Monnex

A month after of hell, I contacted the at fault driver's insurance INTACT around the first week of August (my car still sitting where it was parked after the accident). I dealt with a claims adjuster. At first was pro-active in corresponding. They eventually sent an adjuster from RML in Edmonton. The car was not allowed to go to a shop until the appraisal was finished. Finally by September it was allowed to go to a shop. There was obvious damage that for whatever reason, RML and INTACT fought myself and the shop, who pointed out the very badly warped trunk. Then, the ruptured fuel tank etc etc. Another nightmare. Then they fought about the car seat that was broken from impact.

Needles to say, today is November 6 2013, and my 1966 Mustang sits impounded by the body shop until a full balance of $490 is paid. My Mustang is covered in snow, the driver seat held up by wooden block to keep it up since INTACT refuses to repair it.

I spoke to INTACT western division manager, and this man was very rude, condescending. Went as far as telling me my car is not a Classic car and just an old car, then asked me what year it was, and even said he hasn't seen my car. Basically, avoided addressing the issue and took a personal issue with me.

I contacted INTACT's Ontario division, maybe there they will be more civil. They were, and was told they will address this.

A week later, the manager calls me, with a better attitude. He says he wants to resolve this matter. After a more civil conversation, he says he will address my property loss issue only if I deal with my bodily injury first together. I told him I have a lawyer regarding my injury, and I was injured and still to this day receiving treatment and still suffering from the injury. He said all or nothing. Basically, he wants me to sign a release form removing any liability and responsibility INTACT has for paying my medical bills, just so INTACT can repair my broken seat.

The audacity of INTACT and this manager is not short of a slap to the face adding insult to injury. INTACT has not provided a rental vehicle throughout this whole time. I don't have a credit card, not do I ever want one. So, since I had a second vehicle, I added that on my insurance to be on the road. My insurance cost went from $94/mth to $240/mth. They wouldn't even compensate me for my additional cost, yet they saved $36/day on car rental. Then I had to absorb $490 repair bill that would have never happened if it wasn't for the car accident, or RML did a proper appraisal.

Whatever money I had saved, earned, and was earning, is now going to pay this $490 bill. I've been in school since September of 2012 and was working whatever job I could find before returning to school again to finish of my degree in Petroleum Engineering.

INTACT insurance company for sure prays on people with financial disposition. INTACT is truly one of the worst insurance companies to deal with, and one of the worst business to deal with as well.

Still my 1966 Mustang rear ended on July 7 2013 sits impounded by the shop collecting inches of snow, with the driver seat being proped up by a wooden block. Snow and ice on the ground, gravel all over, and the year is nearing end.

I've been with TD for many years, and they are usually a good insurance company. But INTACT is like dealing with crooked thieves. INTACT is the image of what a bad insurance company is. It's horrible from the claims department right up to management. You think you'll deal with someone who is reasonable when the claims rep handling your file ignores your call for literally months, only to find out that the management and company structure that teaches them ow to deal with clients, is actually an even bigger problem.

I was a victim of there driver, yet, they think being rude and demeaning you will make you easier to be man-handled by them.

So a warning, avoid INTACT Auto Insurance, if not have a lawyer deal with them. INTACT Auto insurance is a horrible company to deal with.

They were easy to deal with until I had a claim. The start of my claim was easy, right up until it was deemed a total loss. Once that was decided customer service went way down hill. They gave me 3 days to return my rental (i was maybe at $250 of the $2500 i was covered for) My less then a year old truck was written off in a wind storm in mid may, after a month I finally was paid out the difference of my loan and what I had paid into it, via direct deposit into my account( this would have taken much longer if I did not fight for it, I had no transportation to work or daycare for my child). June 12 it was my understanding that everything was dealt with and done. I received a call today July 29th from TD where my loan (is still currently through) stating that my account is 50+ days past due because intact never paid them anything. When I called intact the proceeded to put the blame on me, they mailed out my $30,000+ payout cheque twice via snail mail, rather then courier with tracking, the first time it was lost and the second one (only sent out on July 25) they still have not received!! Needless to say I made the call to switch companies today.