Intact Insurance Auto Insurance Reviews

Awful experience!!! Truck stolen on may 5, it was found on the 8th and the claim was just finally settled at much lower amount then it ever should have been. I cant even describe how disappointed and frustrated I am. I found I was having to constantly call to find out what was happening with the claim, not once did they call me it was me having to call and then I would receive a call back. Don't even waste your time and money with this company.

Having been a loyal customer for years, with zero claims and zero traffic tickets, I had a 9 star rating. Three years ago I ran into some health issues, and have been unable to work. During the first year being unemployed, I had money/banking issues, and a pre-authorized payment to Intact bounced. This was TOTALLY MY FAULT, but I got it rectified in 2 days, and I payed the two NSF charges. This past March, I again had a payment go NSF, and again, MY FAULT. It was rectified the next day, with two more NSF charges. My policy is up June 10, and I called to say I'd arranged finances so I could pay the entire year's total up front, and would do so from here on out. Intact informed me they were nonetheless raising my rates by 30%! Talk about kicking someone when they're down! I have used Intact for the last 25 years without issue, yet they felt the need to punish me due to two human errors. Stay away from these jerks. They don't know the meaning of "loyalty".

Was with Intact MDD my driving discount. If you are not aware (and they do not disclose that, ever) that every hard braking event HBE in the beginning of the program will bring down your potential discount with 1%, every HBE. They DO NOT WANT to answer how the device actually works!!! Quote from FSCO "Specific details on the algorithms used by the insurer would be considered confidential/proprietary information. These mathematical algorithms are quite complex and are not available to the public." Meaning we are stupid and it is a secret!!! I drove 8000 km, over 200 days, with 10 HBE (average 0.125 per 100 km) and the discount reached 23%, out of 25%. In addition, only 1 acceleration, 0 driving at high-risk times. How the algorithm works: The less km driven, even 1 HBE will reduce %. The higher km driven is harder to bring % up to the max and after a certain point, you can not. I am the example. Rules for whoever wants to achieve the maximum! In the beginning (consider at least 100 km, but I would target 500 km driven) you have to drive as a retard!!! Depending on speed, at least 4 cars length distance from the car in front of you!!! Watch for "might cut you off" and decrease speed, leave space for them! Red light approaching, be ready to stop, not go through!!! Adjust speed to do so, at any time!!! Actually, this was the best habit I can take away from the program, changing the prospective... And remember, the more km you drive WITHOUT ANY HBE, the more you could afford to do 'till the end of the program!!! Next, 14kmh per second decrease of speed is = if you drive with 70kmh is 5 seconds. Shorter than that will trigger HBE. Imagine you have on the dashboard a full cup of coffee without a lid, try not to spill it!!! Just FYI 14kmhs equals 3.8889 meters per second. Be gentle on the brake pedal! Most automatic cars will help stopping the car additionally with up gear of the engine as well, meaning you have to release the foot pressure you are applying towards the full stop of the car. Practice before you plug the device! No one is ready to drive like an idiot by default!!! And remember, the HBE is the most detrimental to the % kept!!! Neither accelerations nor hours have such an effect!! And just a question as food for thought... For premium purposes, your postal code is the base for the insurance company to evaluate the RISK (based on the data of claims in your area) BUT for the device, EVERYONЕ is equal, meaning, the algorithm of all devices are the same. That means, that if you pay higher premium because you are in HIGH-RISK area/postal code, your chances of getting/keeping higher discount IS LESS because you drive in HIGHER RISK area/postal code. Complaining to FSCO (which I did) will not help you because they approve of WHAT insurance companies suggest as a program and parameters, BUT NOT HOW it actually works!!! So, the potential of gaining/receiving a higher discount on your rate is there, but you have to educate and prepare yourself for it if you decide to "voluntarily participate" in those programs!! Good luck!!!

Recently I am off work for medical reasons, I was trying to get my payments moved to the first as my long term insurance only paid once a month and I wanted to try have everything to come out on the first. It was such a hassle to move my withdrawal date as I had to give them a double payment. So I would have had to pay on 21st and the 1st. Everything got mixed up and they eventually said they were cancelling my policy. If that wasn't bad enough, they sent a letter to where I was financing my car that I had no insurance and well as the ministry of transportation. It ended up costing me over $600 to get my car back because of the tow charges and office cost. Etc. As for the ministry of transportation I will have to deal with that when I buy my sticker. Now I received a letter from intact saying I owe $409.06. Really not paying that!!!!
Also they were charging $343 month and now with the new company I am paying $277 so shop around there is cheaper insurance out there. You will also have more experience workers working for you.

Twice I have left voice messages for the claims representative to return my call. A week later, still no response. I did talk to another claims rep to try and get some answers. They gave me the wrong information and so I spent a couple of days trying to figure it out on my own. I will pay more to get better customer service.

This unethical money grabbing company will completely dismiss the needs of their customer and fully indulge in manipulating you in every way to pay unnecessary fees, go through an overly complex cancellation process, as well as mess up your payment information multiple times and claim it was your fault (even after reviewing recorded conversations). This company should be taken under because its only use is to piss off its customers and steal from them.

Not only did they make a mistake on my payment plan but demanded I payed the balance of $400 the next day or they would cancel my policy! Even after it was their fault. No appology even. They are all women and I dont even think they try to help or make a customer happy. They demand everything and are very unhelpfull. Wont even try to help. Ridiculously expensive to be treated with disrespect! Absolutly disgusting customer service.

My truck was stolen, no one ever came to see me like they post will happen within 24 hrs. Had to find my own rental cause they couldn't get me one. Had to fight to get reimbursed for the rental, even though they gave me a rate and everything, that I didn't exceed. It took over a year to finally get my vehicle repaired back to normal. Had to fight tooth and nail with them non-stop. Came to the point where I had to almost get a lawyer. They should have wrote the vehicle off, it was brand new, I didn't even have 100 kms on it yet. But they wanted to give me $17,000.00 - that's less than what I just bought it for. Of course I refused, so they fixed it and paid over $2000.00 for what I bought it for to repair it. Makes you wonder why we have to pay for insurance when they can get away with things like this and yet we have to have it and pay for insurance... Why???

My vehicle was stolen. It took them a week before they said they could even start the claim, so I was stuck for a full week without a vehicle. Took them another 2 weeks before they settled my claim. I don't even remember how many people I spoke to trying to get it settled, but every time I had to call to talk to someone, my adjuster wasn't there and the person I spoke with instead was very condescending (on more than one occasion). They drag their heels on getting paperwork ready, they didn't verify my information and somehow had my email address all misspelled (which is just my name @ email.com) so I wasn't even getting the paperwork when they WERE on it. Then when it came time to finally collect, they said it would be at least another week before I would physically receive my money (not what I was told prior)...which is also a week AFTER I had to return the rental car. So I was stuck without a vehicle for an additional week. I've had to make claims before with other companies and I have never had a runaround like this, had this much inconvenience or was spoken to the way I was with Intact. Dumping these guys as soon as my policy is up. I don't even care if someone else costs more. This is NOT how you treat people who just had something bad happen to them.

We had a family vehicle that was stolen from us. When we got it back, the inside of it was a mess. Intact initially told us that we can either get 9000$ back and our car back so we can repair it on our own with our own mechanic or they can give back 10000$ and not the vehicle. We went with the first option took our car to a mechanic but we came to realize they didn't give us an authority paper which says that we are allowed to repair it on our own means. Initially, the people told us that they'd get back to us and how it was their fault for not sending the required documents and instead labelling our car as "salvation". Later on, we tried getting in contact with the lady and every day a voicemail with our name and number was left for OVER A MONTH. In that period of time, she NEVER got back to us. One day we called her at a different time and she picked up and told us that she'd get back to us again. I think it had been like 3-4 months when she picked up the phone FINALLY. So today we finally get a call back for once and she tells us that she's sorry but our vehicle is a total loss and we won't be able to repair it. THEY TOOK 1000$ BUCKS FROM US. THEY LIE. THEIR COMMUNICATION IS HORRIBLE. SAVE UR TIME AND PATIENCE AND GO TO SOMEONE ELSE. ABSOLUTELY HORRIBLE. Been through such a thought time in a mini 5 seater when we have a family of 8 these past few months. 2 trips all the time. SAVE YOURSELF.