Intact Insurance Auto Insurance Reviews

Wow where to start.

I went via a broker. I was given Intact as a suitable option for my Sedan. I was told I was covered for every eventuality imaginable, (including first accident forgiveness) - So it sounded like a dream come true so i decided to move my other car, an SUV and my home insurance policy to them also.

This was in Feb 2016. In May 2016, when i had an "at fault accident" (Which, wasn't even my fault, I was directed by construction workers who were blocking the entrance to my lane, and following their hand signals, i slightly scraped the side of my car on an invisible concrete bollard which nobody could see either in mirrors or blind spots)

So, i called Intact to ask if i should claim or not, and they insisted i did. They seemed so caring at the time. They insisted i used their recommended body shop, they insisted they give me a top of the range courtesy car whilst they "repaired" mine. Their "body shop" insisted that i needed a new Passenger front car door (i clearly didn't, it was only a scratch - but i went with it) i trusted them again. The new car door apparently cost almost $5000 (yet, i can almost guarantee that any other body shop would have repaired it for not even a fraction of that cost, and there was no need to replace it)

Everything seemed to be fine and months and months later (December) I got a letter from my broker saying Intact had refused to renew my policy, as i had an "At Fault Accident within my first 4 years". At this stage, i queried the "First Accident Forgiveness " that I had thought i had, but they said i didn't qualify for it for not being insured with them for over 4 years!! I then asked why it was mentioned in the phone call to the broker, and they said I had to prove it. I said, well since you record all phone calls, i suggest you pull the call and listen... but they refused saying it was my fault because i didn't read the "small print" of my policy. I begged and begged them, but they simply said no.

I am now in a position where i will lose both of my cars as I cant afford a new company that my broker found, the payments to Insure the cars are now 3 times more than the payments FOR THE CARS. So, I am going to lose my cars, and in tern, my job, so potentially, i am going to lose my home.... all because they conned me into making a claim on a feature that i did not qualify for in the first place!!

Oh - and to add insult to injury, we took part in the driving Discount program and had devices installed into both cars, I qualified for a 16% discount, my other half 18% discount due to "good driving" - however, it was totally pointless, they refused to renew so YOU LOSE THE WHOLE LOT!!

I am disgusted with Intact and advise everyone to stay well clear of them. They are the cowboys of the industry and are ruining peoples lives. I hate to think how many people they have put into the situation i am in. Car less, Job Less, and soon to be homeless. All at Christmas time too! Thanks Intact. You must feel so proud of your despicable selves.

I bought a new vehicle with 100 thousand kms on it. 2005 GMC jimmy, body and interior were flawless. My vehicle was broken into, so I put an insurance claim through since I was paying full coverage and only had the vehicle 2 months. There's was a broken door handle and scratches above the handle so I asked it to be fixed... I priced it out myself at $850 plus labour. So, here's how they dealt with me... 1. Said they will be by in the next 48 hours to pick it up out front my house. I work, they said they are unable to arrange a time, to just leave the keys in it unlocked on the road for 48 hours, where it was just broken into. 2. They pick it up after 2 days take it to Carstar, where it gets locked in a gated yard. They say they will contact me to get my belongings if they decide to write it off. They never called, I almost lost everything in my vehicle due to it. 3. They deemed my vehicle a total loss over a door. This means I can no longer fix it and out it on the road under any circumstance. The truck with 100k on the motor is now scrap. 4. THEN I call leave a note with my claim broker to call back about what I get back for my vehicle since I currently don't have one due to them. This was on a Wednesday; no call so try again Friday with another message... No call. They leave me with no knowledge of my payout, when I get it, no vehicle to get to work, or any way to get another vehicle because I must pay out my loan first which is waiting on the insurance company. 5. After all said and done they priced my buyout at $3000 less than I had paid 2 months prior while not checking the odometer to realise how low it is the left me owing almost $5000 with interest for a vehicle I was paying full insurance for an had been broken into and deemed "not my fault". This company screwed my life over for more than a year to come and put my job at jeopardy due to me not having a way to commute. To top it off I called and stated all this to them and they didn't even have an apology, they just said these are our policies and that their mechanic who wrote it off was a trained professional. Please save yourself the hassle and money.

After reading numerous reviews, I see many others have had the same complaint. Very difficult to speak to the same person, they do not call back after leaving numerous messages, conflicting reports and messages, promised a rental care, when I had to leave car at a garage for hail damage assessment there was no rental car there for me but I was told there would be-we do have coverage for rental, they deleted photos of damage, had to go back again! No one seems to take action on the claims, have two vehicles with hail damage, have been a client for 17 years with no claims, terrible experience dealing with this first claim! We will be leaving this company once settlement is completed if I ever get a return call! Waiting for answers, promised in an email we would hear within two business days, it has been 29 days and still waiting!!! Do not sign on with Intact. A no action company!!!!! Terrible service!

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.

Been with intact for 18 years never had a claim, was in an accident in August 2015, have not heard from my adjuster it's been a month and a few days, I have decided to call them and all they said you GIVE THE RENTAL CAR BACK tomorrow... I was like what the hell what about my other car or give me answers,,, so they left me hanging with no car or answer...

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!

Undue stress, loss of time! Unfortunately, this company does not care one bit that you are stranded without a vehicle for a Not at Fault Claim. Once my vehicle was deemed a WRITE OFF, they have done nothing other than cover themselves.. gave me a cut off for rental vehicle, no cheque to purchase new vehicle, stranded. Had to cancel two of my own days to argue my case to extend rental...tooth and nail. Still no cheque, rental cut off. Looking for a new insurer that doesn't leave me to solve there unfair policies, lack of organisation on their end, and they don't give a damn!

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?????

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.