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 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.

My Truck was stolen 8 weeks ago, after 4 weeks the truck was found. The guy working claims said they would have my truck towed back to the dealership where it was bought to go through the truck. Two weeks after the truck was found i called the dealer to get a update on my truck, The truck was not there. I called my adjuster but there was no answer , so i left a message to get back to me. For the last two weeks no call backs or anything. I finale got a hold of a manager and there reply was that it was hard to get a tow truck, REALLY A MONTH TO GET A TOW TRUCK. This place is the absolute worst company that i have had to deal with. I only gave them one star because i had to, if it was my choice it would be a negative 5 stars.

No knowledge and trying to put all expenses on the customer. They have recommended body shops which will agree with their statements.

The worst insurance experience you will ever experience! I had a front-end collision when someone made a very bad U-turn. The front of my car was damaged and intern my headlight leveller sensors were cracked. They took months to get back to me and when they did they said the cracked sensors had nothing to do with the collision. Their “recommended” auto shop assured is an absolute joke! They didn’t have the proper diagnosis tools available to see what was wrong with my car and I had to bring it to the dealer to figure out which I paid out of pocket. Intact has no backbone no support and they cannot keep their promises of what they call “making your vehicle like new” I will be taking my money elsewhere!

Literally, the worst insurance company I have ever dealt with. Save your time and your sanity and never choose Intact.
(1) Took me a month to just get an ESTIMATE of the total damages to my vehicle after my accident
(2) Now I'm now stuck playing phone tag with people who apparently are never around trying to get an estimated repair date.
(3) It took them 4 days and 3 phone calls to actually start my claim
(4) It took them a week to tow my vehicle from the collision centre location to the city where I live
(5) Another week to tow it to the correct body shop at my dealership because they brought it to the wrong place - their own shop, not the one I noted
(6) Another two weeks to get the estimated repair amount AND BIG surprise, I didn't even get the estimated repair amount from Intact Insurance - I got it from the body shop itself because Intact is too incompetent to reach out in a timely manner.

Can't even call their general phone line because you're on hold for over an hour and then the line gets disconnected... They want to repair a $28,000 vehicle with almost $18,000 in damages. The biggest joke. Would not recommend Intact to my worst enemy.

Please don't use Intact. It's a scam. Employees are rude, unorganized, take a long time to get a response. They only pay what they want. They are too lazy to come out and look at the truck. And tried to put USED parts on a truck that was 3 years old. You are better off without insurance...

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???

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.