Intact Insurance Auto Insurance Reviews

I was in a car accident Dec 2017, a truck hit me, not much damage to my car back fender, side panel buckle, my navi radio screen blink off and on then it didn't work. My injuries: rotator cuff ripped at 80% right arm, whiplash to my back and neck, severe vertigo. My car went to the auto body shop, which I was told it was still driveable. After the accident, I had electrical issues with the car, the headlights, high beams, the radio would come on or off periodically, my car turned off on its own. Obviously, I had electrical issues, my car was serviced the day before and nothing was noted with having issues. Intact called the dealership for them to look at my car. Codes came up and I was told to talk to my insurance, no one told me the codes. The dealership, they are getting paid by the insurance and they work for the insurance that I need to talk to them. Intact told me it wasn't accident-related. Finally, I talk to a lawyer friend of mine who said to me: call insurance now, your car is unsafe to drive. Prior to many conversations with Intact, they wouldn't put me in a rental. Finally, after the talk with the lawyer, they got me in a rental within 15 mins. The auto body shop did a partial tear down, they couldn't say for sure if it was accident-related or not but said if the customer comes in and says this is what happened, then they feel as that is what happened. Then the auto body shop told me that my car was unsafe to drive and they wouldn't drive it either, so the car sat at the auto body shop for a couple more weeks. Intact said if the auto body shop said it could be the cause, they would write my car off. They didn't keep to their word, Intact sent me an email saying that I had 24 hrs to agree on getting the bumper fixed and also agreeing to get the bumper fixed. I am also agreeing the electrical is not caused by the accident. I wouldn't agree to this, 'cause if I have electrical problems and this car is unsafe to drive, I could cause an accident or even kill someone, I don't want that burden. I wouldn't agree to that, so Intact told me to take the car back to the car rental place and which I did, I still had 5-6 wks of car rental left and they would let me use it. Intact also wasn't rushing me to get medical health, the adjuster said to me that I could walk to physio. It was approx 2 km walk, I have severe health issues and have a handicap permit, I am on heavy pain medication and told him I can barely walk a few feet. He would still argue with me on why I couldn't walk, meanwhile, it was the middle of winter and the weather was approx -17 -20. I always have high blood pressure and asthma. It took a month for Intact to take me out of minor injury, I finally got into the second one and I received a letter last week stating I have no housekeeping, no benefits now my injuries are back to minor. Through the accident I am unable to clean and look after my house, I live alone, I'm almost at the point of being homeless I am just on a fixed income on a long-term disability. I wouldn't suggest Intact to anyone. This has been a nightmare for me, they don't care about their clients. 9 months I have been fighting with them, 9 months of not receiving anything from them, 9 months of not getting paid out on my car. What kind of insurance company does this? Why wouldn't they help? Why would they want me to suffer ? My life has been hell! Because of Intact I would have never thought this kind of thing happens in Canada

I was rear-ended over a month ago. 2017 Honda Civic Hatchback sport 6spd. It took 2 weeks for their preferred shop to get a quote. Quote was only $1500. Not that much. After 3.5 weeks, I was told I could go get my car and it was all done. When I went to pick it up, from 20 feet away, I could tell the back bumper was out of alignment. The skirt kit was out of alignment, and there were red and white paint scuffs on the newly painted bumper. Terrible work. This is their preferred shop. No Attention to detail. No accountability. BE WARNED. It took over a week with me calling INTACT and trying to get a manager to help handle this claim. I was told by several of their employees I need a managers approval to change shops and get the repairs done properly as CARSTAR seemed to struggle and tried to give back my car that wasn't 100%. Almost every day I called and got the same runaround and that manager would call me right back. Took 8 Days (business days) to finally get a hold of her, and it was me that called her and waited on hold for her to be available. I waited on hold for over 30 mins and was told she was at a meeting and then conveniently she got out of the meeting when I asked for her manager. So 8 business days and over 8 calls just to get a callback and it was me that had to do all the work. The excuse was she was busy. Who isn't? I can't imagine not calling back one of my paying customers in over 8 days. They wouldn't be a customer for long. Terrible service. No FOLLOW UP. NO ACCOUNTABILITY. But they happily take my money every month. DO BETTER, INTACT! This has been a terrible experience for my claim. This is how you lose customers

It shouldn't take an insurance company 5+ months to fix a vehicle they say is fixable. If it takes this long to fix a vehicle, the vehicle should be replaced. Waste of money and time. To think I pay over 5k a year to this company and they can't even get anything done in a timely manner. Ps. They send the vehicles to Carstar... Do not let your vehicle go there.

Insurance is meant for the unfortunate event of an accident. If premiums are paid coverage is expected! We had a vehicle involved in an accident that incurred $3k in damages. Car was still worth $11K. Intact chose to write the vehicle off despite the damages being very repairable! We were using there GPS modules that tracked driving habits. With these GPS units we were getting regular reports showing how the drivers in our house were doing. As for the car they wrote off! We were still receiving reports months after the car was supposed to be in the scrap yard! Seems that someone at Intact perpetrated fraud by writing the vehicle off, then buying it at scrap value and repairing it for road use.

Was the third party of a claim where a cube van driver popped the front bumper of my 2008 Mazda 3 off. After waiting 2 weeks to have it towed to impacts assessment lot, they finally call me 3 days after having it at their location to tell me that the damages to my car are 3000$. She tried to tell me that my car is worth 4000 when I just looked up its black book value at around 6000, as well as aluminum alloy rims on it. They now are giving me the option of taking 4000$ for a 6250$ car or taking it back with maybe 2000 for repairs and a rebuilt status (meaning it has been rebuilt from ground up) even without structural damages. I purchased this car no more than 2 months ago and now have to get it ripped away from me. After this experience I can never suggest Intact auto insurance to another being. I was also talked to with a very demining tone. Worst insurance experience possible and I've only been with them for 3 months. I have been without a car for 2 and half weeks now and they have not offered a rental. I will be glad to be taking my money elsewhere and hope most, if not all, of you do as well, cheers.

My truck was stolen, no one ever came to see me like they post will happen within 24 hrs. Had to find my own rental cause they couldn't get me one. Had to fight to get reimbursed for the rental, even though they gave me a rate and everything, that I didn't exceed. It took over a year to finally get my vehicle repaired back to normal. Had to fight tooth and nail with them non-stop. Came to the point where I had to almost get a lawyer. They should have wrote the vehicle off, it was brand new, I didn't even have 100 kms on it yet. But they wanted to give me $17,000.00 - that's less than what I just bought it for. Of course I refused, so they fixed it and paid over $2000.00 for what I bought it for to repair it. Makes you wonder why we have to pay for insurance when they can get away with things like this and yet we have to have it and pay for insurance... Why???

We had a family vehicle that was stolen from us. When we got it back, the inside of it was a mess. Intact initially told us that we can either get 9000$ back and our car back so we can repair it on our own with our own mechanic or they can give back 10000$ and not the vehicle. We went with the first option took our car to a mechanic but we came to realize they didn't give us an authority paper which says that we are allowed to repair it on our own means. Initially, the people told us that they'd get back to us and how it was their fault for not sending the required documents and instead labelling our car as "salvation". Later on, we tried getting in contact with the lady and every day a voicemail with our name and number was left for OVER A MONTH. In that period of time, she NEVER got back to us. One day we called her at a different time and she picked up and told us that she'd get back to us again. I think it had been like 3-4 months when she picked up the phone FINALLY. So today we finally get a call back for once and she tells us that she's sorry but our vehicle is a total loss and we won't be able to repair it. THEY TOOK 1000$ BUCKS FROM US. THEY LIE. THEIR COMMUNICATION IS HORRIBLE. SAVE UR TIME AND PATIENCE AND GO TO SOMEONE ELSE. ABSOLUTELY HORRIBLE. Been through such a thought time in a mini 5 seater when we have a family of 8 these past few months. 2 trips all the time. SAVE YOURSELF.

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!