Intact Insurance Auto Insurance Reviews

In August we had a collision with a dear and we have a replacement value clause on our insurance contract. The car was not severally damaged but the airbags deployed. Intact took 1 month just to figure out if it was a total loss or not. After fiddling with the evaluation report (putting ridiculously low hourly rates) they managed to pass it as a repair. When I was contacted to recuperate the car I asked for the total costs and it totalled $27000 + $5000 for the courtesy car. Today they refuse to pay the rental company for the courtesy car and they are holding our deposit and after such a pricey repair on the car, it is now worthless (lost about $10000 of it's resell value). If you want replacement value, do not go with Intact, they will find any way of not replacing your car.

I just received my car insurance renewal from Intact. Increase of 40% over last year. No accidents or tickets over the past 25 years, no explanation for the increase which is unacceptable. I cannot believe they're still in business!

I got into a fender bender in January because of icy roads. My car was totalled and the other vehicle had no damage to it. Now I am paying over $3000 in insurance and they bill me every 2 weeks for another $500 payment since January!!! Like why am I paying this? I lost count of how much I spent on insurance this year but this company is crap. Highly recommend NOT going with this company

Intact is the worst insurance company in Canada. Their customer service is atrocious. Make sure you read the fine print. Because there seem to be different clauses that only work out in their favour. I had a vehicle written off. They compare 10 vehicles chosen by them. Nothing near anything acceptable. All high mileage and some were damaged vehicles. When I looked at the current price for replacements, they were ALL 4K above their price. Beware. Insurance companies are there to take, not give. Intact says theirs better than all the rest. NOPE. 13 years with them. One claim. Screwed over equals buh-bye Intact. A big 0 stars.

DO NOT GO WITH INTACT. I wish I had read the reviews before signing up. A week of "My Driving Discount" and I was out. The app is ridiculously stupid and clearly set up to take your money regardless of the quality of your driving. I tried to cancel my Intact policy over a month ago, and they have had me jumping through hoops to get my refund ever since. The latest update? I was sent a letter saying "your refund will be processed upon clearance of your last payment". What does that even mean? I paid Debit in full over a month ago. This entire experience has been an absolute NIGHTMARE. To summarize: DO NOT GO WITH INTACT.

I was hit in a roundabout (low impact, front corner fender bent, not my fault). Intact over-estimated the repair, and undervalued the car (2005 Prius), to force a write-off on minor damage. Intact's estimate to repair was $1700 more than a competitive estimate to repair, by another certified insurance estimator. Intact refused to recognize the lower estimate. Both estimators confirmed the car was repairable. Intact insisted on writing my car off. I insisted on getting the basis of their evaluation of my car's value before I would sign my car over to them. All six quotes they had averaged were invalid: the cars had much more mileage (100,000 km more than mine), and/or were different years, and/or were not in the same area (one was over 500km away), sold more than 60 days previously, and prices had all been reduced by 8% than the asking prices for "presumed negotiation reduction" which had not happened. I know, because one quote was my own purchase of my own car a few months earlier (I had paid the asking price), and I called the rest of the contacts directly. As soon as Intact made their first write-off offer, they cancelled my rental car. Pushing back on their under-evaluation resulted in Intact increasing their payback to me by $1000 after 5 weeks of emails and phone calls. 9 months later my "written-off" car was found posted for sale again online, with a CLEAN accident report. Do not deal with this company. And do not trust clean accident reports when buying used cars.

August 27th at 6 am I was taking my husband into work, some idiot in an SUV got into the oncoming traffic lane and tried to push my car off the road in a construction area for no reason. I had a small truck in front of my car and my 2 young boys under 8 years old in my car. This man threatened to hit my car, pulled away then drove into me and along my car. At the start, Intact was great but then the nonsense started. They won't fix the safety issues left on my car from the accident. They tell me to take it to a shop to verify damages. All that's wrong with my car is where I was hit, Intact says, no, it's the age of my car - 10 years old but safetied 2 years ago and maintained well since... I had only made the claim because there is a big loss here, the bodywork they covered was 1700$, the safety stuff they deny is 2200$. I'm 3.5 months into this claim. They suck at following up and do not adhere to their end. Previously I was a claim-free driver, 6-star rating. They hold me 100% not at fault but won't fix my car. I had another vehicle that was hit and I reported it but made no claim as the safety of that vehicle was not compromised. No claim, just let them know. Then, 3 months later, someone tried to steal that vehicle. The police report: driver door was non-functional due to the theft attempt. No claim, just reported... now I need the insurance annum left to figure it out. You would think in this situation I have shown I'm not out to nickel and dime them then I'm treated like trash when I need what I pay for monthly... guess I shouldn't uphold my end to them, oh wait I do that and I'm in trouble and uninsured. What happens when they fail to do their part.... nothing. Find an honorary company. My vehicle was even taken to their preferred shop. thought doing that would guarantee my vehicle would be repaired properly and with no issues - man am I wrong.

I have been with Intact aka Belair aka Canadian insurance for almost 6 years. Never missed or was late in any payments to them. I received a letter in the mail about how I have to pay my insurance in full from now on and can't have the monthly plan anymore. I questioned the Customer Service about it and all they would give me is that because they are now Intact they have new rules and their underwriter said I did not qualify. I asked to talk to the underwriter and was told they don't talk to the customers about their decisions. I asked to talk to a supervisor and was told he went home. I know of 3 other people that have received this letter and they got the same runaround. NEVER EVER DEAL WITH THIS COMPANY. They have no respect for their customers AT ALL!!

I just wanted to write a review about the very poor customer service I've revived from Intact insurance. I was insured for a year and during my renewal policy they told me I'd be paying $120 extra a month, I expressed I didn't want to renew with them, however, they went into my account and took the increased amount regardless. After I called them to cancel and they told me I need to FAX them a written letter to cancel, to which I asked if I could email a picture, they said no. So it was Sept 13 and my policy renewed on Nov 8th, so I thought, okay, I paid them, I'm gonna be insured 'till Dec 8th now, it is what it is. Well, then they went into my account again and took another increased payment, I ended up paying them $1000 in a month to renew my policy I already had with them... So now I'm pissed. I call them and can't get ahold of any supervisors or retention and I'm cancelling on the phone and he brings up the written letter. However, now he says I can send it through email after the fact. On top of that, now that I've cancelled with them, they're charging me $250 to cancel with them. Do not go with this insurance company, they are not helpful, extremely rude and only after your money.

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...