Intact Insurance Auto Insurance Reviews

What does Intact do? This is my 2nd claims experience in 2 years. The first was when someone turned left in front of him writing off both cars and leaving my son with surgery to fix 3 broken bones. Intact (despite saying he had $30K of medical support) would only approve physio by a therapist who charges 99 dollars per hour or less - they would not honour the same total dollar value. Useless. We ended up footing ALL bills ourselves.
I had a garbage truck strike my car while parked. So far (9 days later)... Despite reporting using their app to submit claims and photos and me calling - still no emails. No, follow up. no rental car. No appraisal -NOTHING.
This is - BY FAR - the worst insurance company I have EVER interacted with...

Was the victim of a hit and run. Intact did absolutely nothing for me. I had a quote from my shop for $3K and they refused to look at it or ask for additional details. They wanted me to SCRAP the car even though it was completely roadworthy, it was just cosmetic body damage. Where will I get a replacement vehicle for $3500??? It was in great shape, repairs made and kept up to date. They refused to even enter into mediation, the Quebec Regulator (AMF) said they were rude and intransigent... only alternative now is to take them to court. I never should have switched (the previous insurer had upped the rate after a few years so I shopped around)... you get what you pay for, and with Intact you get nothing except horrendous service, rude people, and poorly worded letters that look like they used Google Translate. A completely unprofessional organization.

Do not sign up with Intact. We had an accident out of province - the phones lines were crossed (calling the number on the back of the insurance card led to intact Quebec not Intact Ontario, leading to more confusion); waited over an hour in winter on side of the road to speak with someone; the person we dealt with was unfriendly and unhelpful; we ended up sourcing the solution to the car fix/replacement vehicle ourselves. The whole situation was stressful and Intact refused to pay for services deemed safe and necessary by more than one mechanic. Terrible service, terrible coverage. The last people you want to deal with when you’ve just had an accident. Leaving Intact as soon as I can - hoping to save others from this totally sub-par experience. **would have given zeros stars to this rating but it was not an option*

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.

1st issue:

I was originally denied a claim even though it was not my fault, with witnesses and a police statement. It took 7 months to resolve the issues, receive money for my claim because they low balled my claim and continued to do so for months. All the while still paying a monthly premium without a vehicle tied to the policy.

2nd issue:

I had a policy under Jevco Ins. that Intact Ins. owns. Without warning, documentation, or consent on my behalf, Intact Ins switched my insurance, rose my premiums by 100% and when I inevitably cancelled the policy they hit me with a cancellation fee higher than my rate. Very unethical company.

A claim was filed and the car was deemed totalled. They offered quite below market value for a car with average mileage, good shape and more features. Their arguing point was paint chipping in the hood (which had a deflector!!!). No 5 years car in Canada has perfect paint unless repainted! After acrimonious dealing, they went up only to the cheapest/worst car in the market and took the rental from us. Very rude adjuster and supervisor. As instructed by industry regulators, I filed an appeal to 2nd line in Intact and the lady delayed the process. She only moved every time I called her. In the end, they went up a bit, and I accepted to lose around 12% of what would be reasonable. They didn't send a check until I called again. They ended up sending a pre-dated letter and check (the post stamp shows the right date), violating the law (they have 60 days from the original claim date to send the payment, at least the undisputed amount). It was so incriminating, that they sent a letter adding the rental fees as part of the settlement, which again, it's illegal as the fair market value is for the car value plus taxes, not including additional coverages. Not only that, but they also kept charging the prime for 3 months after the car was declared totalled and in their possession. Shortsighted company because they lost me as a client with 2 cars and a home (they would have recovered the difference in a few months), and I have talked many people out of this terrible company.

Absolutely horrible experience I'm going through at the moment. I had an accident about 2 months ago where the other driver was at fault and charged. My vehicle was completely totalled. At first, they were quick to help me make my claim, they were on top of everything, and provided me with the information I needed. After that first day; it's impossible to get a hold of ANYONE. I've called at least 5 times a day for the last two months, probably filled up their entire voicemail box, e-mailed them every day, and didn't receive a single response!!! I needed physio, I needed settlement money to get a new vehicle, I needed to know what was going on. Even my insurance broker couldn't and still can't get a hold of them!!!! They couldn't even send me paperwork on time. I got my personal injury paperwork about 3.5 weeks after the accident and had 2 days to get it in before it expired... I emailed them asking if I still had time to submit everything and got no response (needed my employer to sign some papers but he was on vacation so I couldn't get it in)... I did get a rental car for 3 weeks, but the second they offered me a settlement (horrible offer) they took the rental away and I've been left without a vehicle and without money for over a month... I told them I deserved a lot more based on the service they've been provided, and the fact my vehicle was in 10/10 condition before the accident with brand new tires and they said their offer was the best they could do which is complete nonsense. They DON'T CARE, they honestly do not care about their customers. In a perfect world, I would love to sue to get what I deserve in this situation, but I just don't have the time or money right now and just want my settlement money to move on. I'm such an easy-going person and never complain about any negative situation, but this is by far the worst experience I've ever had. DO NOT GO WITH THEM, so many better companies out there; even if you're paying a little extra per month in insurance, do it so you can get better service.

My car was totaled March 8th, and 2 months later, I'm still waiting for the payout to the finance company. To date, FOUR checks have been sent. Apparently they keep getting "lost in the mail", and in the meantime I can't get another vehicle until this loan is cleared.

My son was is a bad car accident as the passenger. This claim was in litigation for years. He was in constant pain and ended up committing suicide. I am his mother and this process was painful and unbearable. It dragged on and Intact legal finally offered just over $1,000. This is disgusting. We are forced to pay Insurance our entire lives but do not try to collect. These people are heartless and deceitful. My family and I will never use Intact again.

This company is the worst insurance company I ever dealt with. Leave a message after message take weeks to answer back can never get the representative to answer the phone over a month now and not resolved. I was a victim of someone running thru a stop sign and ramming my car going to cost thousands of dollars over their second settlement offer to replace my three-year-old car...
Settlement Offer way below market value!
I have to provide comparable vehicles as the ones they give are not even close to my vehicle. They want to write off my car or if I keep and repair I have to take a low ball offer to pay parts and half labor but then I have to pay them scrap rate to keep the car. That is over 3,500.00 they want to claw back for something I paid over 32,000.00 for.
It such a rip-off co surprised a company that has been around as long as they have and treat clients this way unbelievable still in business! Never felt so much stress in my entire life.