Intact Insurance Auto Insurance Reviews

They raised my rates in one year with no valid reason. I have no tickets or claims in the last 20 years. Here was their response when I asked why. Insurance cost has been increasing due to the fact that Private Passenger Vehicle claims continue to rise significantly across Canada. This trend has been driven in part by higher repair costs due to various factors including the complexity of modern vehicles, increases in bodily injury settlements and more frequent losses as a result of distracted driving. Never mind they made 12 percent profit on a billion dollars last year.

My father is currently on the phone trying to reason with them over a scrape on the side of his brand new 2017 Ford F150 and the company is refusing to pay more than a quarter of the damage which is 900 dollars worth of damage.. he pays 120 a month in insurance premiums and this company can't cover him. What a crock.

I was trying to tell them my side of the story and they wouldn't listen... at first, I got a 0 fault 0 deductible. Then a week later when I'm scheduled to go in to get work done, they tell me they can't move forward because I have a 500 deductible and I'm at fault... I have full coverage. I got passed around from adjuster to adjuster and even disputed my claim and had one agent say to me that if you're at a 4-way stop and someone is going straight through the stop sign and someone had their indicators turn and it being their turn, they turned and got smoked, it would be the guy's that's turning fault. You people sicken me. I was pulling out of a parking lot and already on the road when someone illegally indicated a turn and smoked the side of my car. Someone who has DUI on their license and restrictions... not to mention on Facebook he's a drug dealer and a crack head. But they're just going with him because he was going straight and already in travel. I'm changing companies after all is said and done! Can't believe anyone pays you guys to take care of their vehicles. You're all horrible people looking for money. Especially when my family got the rental, you tried to ask us if we wanted extra coverage. We have full coverage dummies!

So Intact, I cancelled my policy 2 years ago, with you, went to get new insurance, found out I was still being charged by you which was NSF after I signed the cancellation, and you didn't sign it on your end. Step 2: I called to tell you what the...! And you argued with me it was my fault? Step3: I can't get insurance with anyone else because it is now cancellation due to nonpayment?... even though I CANCELLED!!! Step4: I can't get insurance with anyone else in Canada without paying 3000 up front... wow that sucks how can I feed my kids now when my wife doesn't work... thanks. Step:5 so after fighting with you and you admitting to me it was your fault, I didn't get reimbursed and you didn't take the cancellation due to non-payment ?!?!?! What is wrong with you people, have you lost your sense of morality and humanity?!?! Step6: now I'm stuck with Intact for another year because you know... I can't just have insurance and you're the only one I could do 300$ a month what used to be 158/m before you didn't cancel my policy when I asked... Step7: I finish my term call 2 months prior to say I'm cancelling and getting set up with Cooperators... and you agree. I sign the cancellation agreement and the lady says "you will NOT be charged again". Hah, I believed it too. Step8: you charged me when I have another policy with Cooperators after I signed another cancellation agreement!!!! What in the sweet Lord are you guys trying to pull on people?!?!?! I will not give in to this anymore, I'm contacting everyone to tell my story, I want the recordings of my phone calls with your reps that said: "okay, you are now cancelled, thank you very much"... Step9: I'm waiting to hear from you still about giving me my money you stole from me, +NSF charges on your end and on the banks end. Plus this month that you charged me while I'm WITH ANOTHER POLICY!!! And plus the NSF charge I will get from my bills that came out after you charged me. I have kids eating kd and broccoli for 3 nights in a row because you took that 237$ this month. You are demons sucking ticks draining what is left of the good human.

We get insurance to have peace of mind when the unfortunate happens. Well, Intact screwed me completely. They denied my claim because the car was insured under me while the car was registered under my wife. I explained to the agent that I had mentioned this to the broker when I was insuring the car. Intact took no responsibility and said that it was mentioned in the file that the car was registered under my wife, therefore they would not cover the claim. I then spoke to the broker and of course, they also denied responsibility and I'm down 5k. Intact also denied to cover any towing and rental fees which was part of the contract, and ending up costing another thousand dollars only because Intact and the broker couldn't communicate properly and made me keep the rental an extra week, while I also paid for my car's impound cost!! I'm fortunate enough to be able to afford the expenses on my own, but if you do plan on going with Intact, make sure to specify all the specs about your car and the exact amount of KM you will be doing per year, it would be a shame if tell them you do 15 000 annually and end up 15 001 and your claim is denied!

I will comment in my experience and you will judge by yourself. I have this app since November 2017. Problems started right away because the app was picking and choosing the trips that it wanted to judge. I complain and nothing good came out of it. And that has been an ongoing issue, never fixed. The worst happened this week. I went to VOLUNTEER for an Association in one casino in Calgary. When I came back, late at night, the app took 10% OFF my discount because I drove during a "dangerous" time of the day (from 12 AM to 4 AM) and I shouldn't!!! Are they saying that we shouldn't volunteer anymore, at that time? It said that I should be extra cautious. The average speed on my route was 69 km/h, and I was driven on Deerfoot and Stoney Trail most of the time. Do I need to be more cautious than that? Did the app praise me because of my cautious driving?There wasn't ANYBODY OR ANYTHING surrounding my car. Did the app notice? They said that I needed to rest before this trip. I had rested the entire afternoon before I went volunteering as the volunteering occurred from 6:45 PM to 3:15 AM. Did the app know that? How is it possible that they judge you just because of TIME OF THE DAY?? Then, when you try to contact them, they just come with "workbook" messages that do not address your situation at all. If you insist, they send you to your insurance broker and, voilá!! Here is the barrier that they want to put up between you and them, so you lose your power!! People are just unprepared to handle the situations and they should be ashamed of calling themselves customer services. Also, I had driven so far 452 km. Out of this 452 km only 13,6 km where during the "bad hours". Still, they took off 10%, which is completely out of proportion, do your math! Furthermore, they pick the trips they want to judge. How do I know that? Well, they had used the return from the casino, but there is no mention of the trips towards the casino!!! Also, I had driven more than 2,000 km since November 2017, but only 452 were marked down. Buyers, be aware!! These are a scheme. Don't fall for it. I have to stay on, otherwise, they won't give me back my discount! And they won't give back the 10% off because, according to them, I have to work for it! For something that they shouldn't have taken in the first place!! My recommendation is: Don't be fooled and do not get into this trap.

I had personal liability insurance with Intact for a few months. I was given a quote and was told the amount would not change. It increased when I got my second bill. When I went to cancel, the broker told me there would not be any money left owing. I got another bill. Called my broker and left a message. Never heard back. I called back and left another message saying that because no one was able to return my call or give me an answer that justifies the charges to my account that I need to cancel the account. If money is owing legitimately, I can make arrangements or cut a check. Never heard back via phone, mail or email. Never got 1 not 1 late notice or past due or overdue. Nothing. Months later I am sent to collections for 55$. Yup, that's right. Try to figure it out and all I get is "how will you be paying". They won't help you, won't answer questions, just "how will you pay", "you pay", "need to pay". Unreal. Save yourself time and money, don't go with Intact, a company which does not care and which illegally sends people to the credit bureau.

I purchased Intact insurance for my BMW 320i when I got it without looking at other companies. In my excitement to drive my new vehicle, I accepted 160/month with no additional coverages. The bare minimum. Suddenly, I was charged 190 a month, and a letter was sent to me saying my insurance premium had increased by 250$ or 5% of my total cost because I didn't sign up for a safe driving application on my phone. But 5% of my total cost (almost 2,000$ a year) is not 250, it is less than 100. So how does this make sense? I have made a stop payment request through my bank (TD) so they cannot withdraw money automatically anymore. Would not recommend to anyone. To make matters worse, over the phone I was told I would only get a 5% discount if I signed up for the driving app, but never that I would have to PAY an additional 5% for NOT signing up for the driving app. Well done broker, well done.

I had an at-fault claim last year (my first claim ever), don't even want to talk about the claim process, super slow and poor customer service. And when it comes to the policy renewal, guess what, my premium went from $330 to $568/month. Got a quote from another company, for just $258/month.

I am giving one star because they actually answered my call when I got into an accident. Other than that they have been less than helpful. Won’t return calls or emails. Have not kept me informed on my claim and have pretty much just left me in the dark about what is going on. I will be cancelling my policy with them the first chance I get! They are expensive and terrible customer service!