Intact Insurance Auto Insurance Reviews

My 'car + home' insurance rate with Intact Insurance increased by 22.97% overnight when I received a renewal for the 2018-2019 period. I called my broker and was told that nothing can be done about it. I am reporting this to BBB, consumer protection agency and Financial Services Commission of Ontario. My total insurance premium for 'car + home' insurance 2017-2018 years was $2,213.15 and 2018-2019 'car + home' insurance statement shows $2,721.72 for the same insurance. I never had any accidents; no claims, no road tickets or any other factors that would cause my insurance to increase by 22.97% in one year. I have been insured with Intact for over 3 years and never missed a payment. I strongly recommend avoiding this company if you are looking for insurance and want to get a fair price.

A truck backed into me a month ago. I am insured two ways, so covered in the event of any collision. I was deemed 0% responsible for the accident - had my car deemed a total loss, then told I could not have a rental car as the fine print on the contract (which is nowhere on the client's contract by the way) states that as of the day they give you their (lowball) offer on your total loss vehicle, they no longer cover car rental fees. I was able to drive my car after the accident and did so until they told me that in order to prepare the check for the total loss, they had to be in possession of my car. So I had to let them tow away my car - with no rental and a wait to get my check. HOW THE HELL AM I SUPPOSED TO SHOP AROUND FOR ANOTHER CAR WITH NO RENTAL AND NO CHECK?? I pay for the F.A.Q 21a, which is supposed to cover my replacement fees (rental etc.) for up to 2125$ or 75$ a day. They refuse to honour my contract based on fine print details that I do not have anywhere on my contract. Did I mention that I was insured both ways and deemed 0% responsible for my accident? These guys are warped...

INTACT is a terrible insurance company and is causing me grief as I write this. They are not quick to act on correcting their mistakes. I happened to log in online after they announced they were going paperless and I noted that there was a place you check claims. Under claims I noticed one from 2016 that is FALSE and I NEVER made. I have been at least two weeks with this between the broker and INTACT trying to get them to fix it. What happened was I called in with a hypothetical question and NOT - I REPEAT - NOT a claim. The person who entered the claim no longer works for INTACT and no money was paid out, obviously, but I am shown at 100% liability. To me, this is fraud and should have been corrected IMMEDIATELY. Instead, the claims manager stated she would investigate and made no promises. The best she could do was to change the 100% at fault over to 0%. This is ludicrous. While my driving record is a 9 (highest rated) if I was to join a different insurer, this claim would then count against me. Not only that but INTACT could not even tell me if this claim HAS affected my policy or not and this is something they need to consult underwriting for. Furthermore, I was bounced back and forth between the broker and INTACT, each one telling me to contact the other. I also had a windshield replaced years ago and apparently, this shows up as a claim. Unfortunately, I trust Carnaghan Taylor Insurance when they told me it was NOT a claim and that it would have ZERO impact on my insurance while this is not true at all. To add even more frustration, INTACT decided to offer this telematics program, where you receive some plug-in device for your vehicle, which monitors some of your driving habits, and as a result, you receive a discount. Well, back in August (we are now at the end of October) I renewed my policy and was adamant with the broker I absolutely did NOT want to be enrolled. I have zero interest in an insurance company monitoring what time of day I drive etc. This is truly Orwellian and I want none of it. So I was surprised to see an added charge of $177 to my policy in October this year. It took a week to find out from the broker that this was added back into my policy since I never enrolled into the tracking program. The problem is...I never enrolled. I spoke to the broker again the following week and they advised I asked to be signed up (enrolled) which is 100% FALSE. I relayed this information back to INTACT and they advised there may be nothing that can be done. I will take this matter to court if need be. The broker first stated that I requested to be signed up then later in the same conversation stated that INTACT automatically enrolls their clients and then when the client doesn't enroll after so many weeks, they automatically lose the discount. I never received the device, I never signed or authorized any enrollment, and I agreed to a binding policy agreement and nowhere in that do I see any mention of this program being applied. I am furious that I could have easily missed this information and furious that either the broker or the insurance company didn't immediately make things right with me. Well, if they want to make me wait on their clock, then I am going to make sure I expose this and do an investigation of my own!

I was with Intact years ago and my broker ended up quitting and before he quit, he gave me a quote and when the payment was due, it was 100 more than quoted and I called to find out why and that's when they told me I had no broker and wasn't being assigned a new one

Their call centre employees are rude. They aren't able to provide you with a simple answer. The company continues to withdraw money from your account even after you haven't renewed your policy with them. And to top it all, my broker is a lazy liar who seeks to fill his pockets.

I was with Intact for a few years, and in March of 2018 I was in a rear-end collision, where I was unfortunately at fault, but the other driver's car was barely damaged, mine was totalled. Anyways, I decided to park the car and stop driving it, but I was still paying my monthly premium, but I was going through a rough time and I missed a payment, and they sent me a letter but instead of sending it to my mailbox at my house, they sent it to the post office knowing I had no idea it was sent there. Then all of the sudden I got a letter saying my policy was cancelled for non-payment and now I’m considered high risk, in which I’m currently paying $575 a month because of it. I called my broker and she said: “I can’t control when you pick up your mail”, which I thought was really rude. Now I’m on the list for 3 years all because of a mistake they made, I know I’m partly to blame but they could have told me if I pay what I owed, then they’d take me off the list but nope. I will never ever recommend Intact insurance EVER. Plus, I once had a not-at-fault accident where it took Intact two months to determine whether or not my car was totalled or not, which it was pretty obviously not going to be fixed.

I'm moving provinces and I need to get claims history letters from all my previous insurers. Allstate: no problem at all - got a letter the same afternoon. Aviva: former client, but I got a letter in 2 days. Currently with Intact and going through my broker: submitted last week, and they wrote back with a curt response to my broker saying "we have 10 business days to respond. So tough". Seriously? I'm a client in good standing with no record, and you can't even get this done in a timely manner? USELESS

Tried insuring with them, no claims in over fifty years. A lady hits me when I’m legally parked in a parking lot, not even in my car and they wouldn’t sell me a policy because I had a claim that wasn’t my fault and they said: apply again in six years. You’d think a person like me with no claims except one that wasn’t my fault would be the kind of client they would die to have. They're a joke in my opinion. Thank you Steve.

Do not bother with this company for insurance. I was in an accident months ago from a yield sign being moved behind a tree by drunks. A massive truck and trailer were also parked in front of the sign as well, making it impossible to see. I had a witness at the scene that saw these individuals move the sign, I took pictures, I called the city and I wrote down the licence plates of the vehicles parked illegally. Apparently, it wasn’t enough and was found 100% accountable for the accident. Fast forward to a few months later and because I needed to pay for bodywork in order for a new light to be put into place, Intact stopped covering me. I recently got this light fixed and was going to change my insurance plan. However, when I looked at my bank account today there was $320 withdrawn from my account for no coverage. I do not fully blame insurance because there were other factors involved, but I do know I was royally screwed. So, thank you Intact for bending me over when I needed a reliable and professional company to help prove that I wasn’t at least fully at fault for my accident and providing nothing but unnecessary debt. Peace.

I should have read the reviews before I spent years and $$$$ on this company. What a rip-off, I left and saving $100 more a month! The customer service is the worst experience, you would think they were working for free, asking for a quote like asking your kid to take out the garbage.