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I had the catalytic converter stolen from my car and it cost me $1400 to fix. I paid the deductible and a few weeks later received payment from Intact for the balance. I have been with Intact for years and have never had a problem. I have full coverage on my vehicle at a cost of about $1100 a year. I have shopped around for cheaper over the years out of curiosity and there is no company out there that can match what I pay to Intact. Don’t really understand all the complaints I’m seeing.