Intact Insurance Auto Insurance Reviews

I have had the misfortune of dealing with Intact. First problem was a misquote from my broker. I paid over $600 up front for what I thought was a year of coverage. Intact raised the rate by $300?? I spoke to my broker May 9th who told me to wait until mid-June when I was to send balance.
I work out of town and out of country. No one from my broker or Intact contacted me to say Intact wanted payment on May 9th. Intact without contacting me, cancelled my policy and, I am told, included a CHEQUE for $260?! I have been driving for 3 weeks with no insurance. My life could have been destroyed by these people. They won't put policy back in force because of "NON-PAYMENT"!! Non-payment and you send me a cheque?
Don't trust these people.
I buy insurance thinking, they've got my back. God help anyone who is as naive as I was.

My 'car + home' insurance rate with Intact Insurance increased by 22.97% overnight when I received a renewal for the 2018-2019 period. I called my broker and was told that nothing can be done about it. I am reporting this to BBB, consumer protection agency and Financial Services Commission of Ontario. My total insurance premium for 'car + home' insurance 2017-2018 years was $2,213.15 and 2018-2019 'car + home' insurance statement shows $2,721.72 for the same insurance. I never had any accidents; no claims, no road tickets or any other factors that would cause my insurance to increase by 22.97% in one year. I have been insured with Intact for over 3 years and never missed a payment. I strongly recommend avoiding this company if you are looking for insurance and want to get a fair price.

I was with intact for only a year. They are the first company I've been with and they provided me with the lowest rate at that time. I was in a not at fault accident about 2 months ago and when I contacted intact and mentioned that the other insurers policy was American they did not lift even a finger to try and help me. They eventually assigned me an adjuster who I contacted and left messages for 5+ times and they failed to call me back every time. It took me almost 3 months to get everything settled ON MY OWN with the other insurers company because Intact wouldn't even bat an eye to help. Once I got my new car they told me how much it was going to be monthly and I was okay with it but once I got my papers, it was $60 higher than what they told me over the phone and when I called they said the person just must have told me the wrong amount. THEN I recently received my renewal and they upped my insurance to $500 a month, almost DOUBLE what I was paying before. When I contacted them they told me they couldn't budge on that price. I had one minor speeding ticket that was 15 over in a 100 that was paid the same day and they said that's why it went up so drastically and because they raised their insurance prices, when yet everyone I talked to who had a minor speeding ticket only put a very small ding in their insurance if anything at all. I would definitely NOT recommend this company to anyone.

NEVER EVER trust them and insure with them!
My car was crashed in a rear-ended collision in October 20, 2016. Intact considered it as a complete loss. But, the only damage was - the trunk does not lock. They contacted me last Friday, December 16, 2016 and said, that my car is written off and they are going to report it in Alberta Transportation; so, I can not drive my car of the roads legally after December 23, 2016. Which means, my child and I have no car in Christmas!!! I asked David M. numerous times to extend that period of time that I can find a replacement. I asked him about a mercy, I said its Christmas. He said he NO ITS YOUR PROBLEMS. So, I was offered a cheque with a very little money that I can definitely can replace my infiniti. Well, having no choice I agreed to take a cheque. He said, that I will get on Monday. But, i did NOT get a check on Monday case it was not ready. I got on Tuesday at 4 pm. I went to the bank and asked to cash that cheque. The Manager from the TD branch with is on 3d st 751 av sw declined it because this cheque might be a fake one. I said that I have all documents from INTACT to prove it and explained the situation briefly. They did not trust me. So, i can get money in December 27. And I have no car from December 24. I cried.
Also, when I came there to insure my car, they gave me a good price and I signed documents. However, one months later they increased my monthly payments by $30 without letting me know. I contacted the office and they said, they found a speed ticked from 1.5 ago. However, I TOLD to the broker that i HAD one ticket in 11 years in 2015 and he said that the price is considering this ticket.

INTACT left my child and me with no car for Christmas! They are not humans!

Terrible company! Do not trust them.

Living in Newfoundland Canada we now have taxed insurance. Intact Insurance was charging close to $3000 for full coverage for the year so I found a better deal at one of their competitors. I spoke with them on the phone letting them know I was cancelling and was told that I would have to sign something in order to cancel to which I replied "Okay, I'll make my way down there when I can." Nothing else was said. I have now received a "legal notice" in the mail saying I owe them $279 for non payment up until October 4th. They're charging me, and letting me know they're cancelling my policy, for not paying on a policy I've already told them I was cancelling.

Stay away from this company, unless you intend to never leave them, otherwise they'll find a way to charge every single penny they can.

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.

I had a terrible experience, I had 2 cars; First I was paying$420, all of a sudden they raised for $501 next month and then again they raised $550, I have no idea how much they will go up up. It is only few more months, I am not ever every getting the insurance and any from it. Too bad, I would not recommend to anyone because of the terrible experience

Shiuld be -5 stars...Do not get insurance with them. i was with them for years. they are very good at taking money from your account. even when they shouldnt. and they wont give it back. they keep it as credit for you. if something happens they will not call you back. so forget being treated like a valued customer. it doesnt matter how many messages you leave with them. they drag their feet. they dont keep you informed and they flat out dont care. I WILL NEVER DEAL WITH THEM AGAIN. I suggest you dont as well.

A few years ago I moved and changed my address with Intact with no apparent problems. I received my new bill at my new address so everything seemed fine. Apparently one of my payment did not go through (I thought it had and didn't notice the non-payment). I received no notice from the company that they had not received payment until one day when my former roommates convinced the post office to let them pick up a registered letter meant for me. The letter was a final notice (I had not received a first notice) and that my insurance would be cancelled two days after I received the letter. Apparently, one department had not changed my address and they did not offer any apologies or do anything to restore a relationship with me. This year, I knew that my insurance should be due soon and I had not received a bill. I made a partial payment to time me over until I got the bill (I figured it was lost in the mail). My agent called me to say that I had made a payment on a closed account and that I had not had car insurance for over a year! After some investigation it turned out to be a superficial user error on Intact's end was assured that I had been insured on paper, just not on the computer system. They proceeded to send me 6 "bills" within 5 days that appeared to have random, arbitrary numbers with no explanation that contradicted each other. Every time I asked for a bill with proper documentation I got a "bill" with different numbers. Finally, I received a "final notice" and I still did not know what I was paying, but I need car insurance so I paid. I suspect they buried service charges for a payment plan when I would not have done a payment plan if I had received a proper bill in the first place. I am now shopping for a new insurance company. apart from these stories I have always made my payments early and only had one claim which was a hit and run on my car.

PLEASE BEWARE, USE THEM AT YOUR OWN RISK. A broker recommended intact insurance due to the quote. We decided to go ahead with it. Intact left file pending for a good couple weeks. 4 times I went to Service Ontario to obtain a sticker renewal and I was not able to. The broker contacted Intact several times and they had excuses. Finally, they resolved it due to leaving my file pending. It was until after the first month we noticed an increase. They said oh you cannot get winter tire discount. I said why I have winters for all my vehicles. Then they said you have to have a receipt. So I went and purchased brand new winter tires. Provided them with the receipt and still, it was enough for them to give me the discount. They would not take pictures of cars or anything. Then the second month we noticed an additional increase. I contacted the broker again. The broker contacted them and they came back to say that the monthly increases were because I am supposed to have an app on my phone. I said for what. They want to monitor your driving, how often you brake, where are you going, how fast you drive etc.. I said I never authorized any of that. Even at the beginning of when we got the policy, I said no to that. So their excuse was they increased me because I didn't want the app. my policy, by the way, jumped 150dollars a month more to almost 500 dollars. After several months of all of that, we decided to cancel them and go with another person where we are saving 200 dollars a month. It is illegal for an insurance company to increase your rates without notification.