Intact Insurance Auto Insurance Reviews

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!

Let's make some noise for Intact's worse service; recently, I requested my LOE from Intact, they have thousand reasons to deny it. I got an accident in 2014. Somebody hit my car in the parking lot, while I parked properly and was shopping inside; and the accident report states that there was nobody inside the car. I sent a request to my broker and need him to correct its record 100% not at fault, 50% at fault in the record right now. Intact said police cannot determine who is at fault in the accident, insurance company does. OMG. Police cannot decide who's at fault in the accident. Then what's the use of police? After that, intact put me on the high-risk level and charge me more. I believe they can play this trick on customers. That's the reason I need my LOE to read it in details, but they said you need to contact your broker; then my broker said Intact doesn't provide it. What a ridiculous reason. It's my personal insurance record. How come they cannot offer it to me. If you have experienced the same situation. please make some noise.

Please, do not go with this company, they give you run around, Intact and broker are both connected, they keep telling you to contact broker but broker says it's Intact invoice, you need to call Intact. I am paying 137$ a month for a corolla 2015, now this year I closed my account and I went with DESJARDINS INSURANCE for a better price. I got a new invoice from Intact for 2000$ on top of 137$ a month, they can't give me a reason why I have to pay 2000 $, saying Policy changed. I have no choice but to take a lawyer against these people who don't understand that we work hard for a dollar. Broker information assurance, Jordan, insurance broker name is Jordan K, be aware. This was the beginning of our new year.

Full disclosure - I have been with Intact for years and absolutely loved them. They were easy to deal with, called me back within minutes of me calling, great price compared to everywhere else I had shopped around. Recently, however, I had a claim against me from someone who was also from Intact. I was in a parking lot, backing up, when this guy came speeding by and scraped his rim on the very bottom of my bumper. Refused to give me any info and left. I called Intact panicking, and explained to my broker what had happened. He told me not to worry, that it would likely be 50/50 if anything even came of it but since it was so minor that I could use forgiveness if worst came to worst. Fast forward to 6 months later when the guy decided to go through with the claim. I received a call, tried to ask questions, was found automatically at fault. They didn't want witness statements, they didn't care about the pictures I sent (the damage for which CLEARLY shows that he was speeding because it's a small scrape across my bumper; unfortunately the phone with the pictures indicating that I was over halfway out when he hit me is broken). I tried to ask what would come of it and where I would go, and the guy refused to answer any questions. He said he couldn't look into the other person's claim details. I called back and asked to speak with someone else a few days later who was magically able to view the other person's claims, who asked me to send pictures and who said that maybe they should investigate. No investigation was done and it's in my file that it's my fault. I've asked three separate times now for the forgiveness and no one has given me a straight answer about it. My insurance was supposed to be renewed December 23rd, but I was thinking of getting a new vehicle, and I was a little choked at the claim situation, so I asked to put only fire and theft insurance for two weeks while I debated and got the prices for everything. They processed my payment early, so I was told to put a stop on it, when I noticed they charged me way more than they were supposed to. I thought it was because of the claim, but low and behold the man who made the claim has apparently dropped off the face of the Earth and the claim is at a standstill. I called my broker to inquire about the charge and he said he didn't know. A week after this I received a letter telling me I was getting a $1500.00 dishonourment fee. I've never been late or missed a payment, so I have no idea what it was for. I've been calling my broker for the past week and a half, every single day, and he won't answer my calls or voicemails. I can't switch companies until I figure out the whole forgiveness thing and demand an investigation on the accident, and it's now coming up on my record that I have this huge late fee penalty so everywhere I get a quote from is crazy expensive. I've recommended friends and family to go here, even convinced two friends to go with them when they first began driving. I will NEVER recommend them to anyone else. I've been without a vehicle for almost a month now because I can't put insurance on it because of them. I can't even sell my car until I figure out what's going on in case they do decide to do an investigation (I just became a student and finance my vehicle so this is really raking up). I would give them no stars if I could. No idea where this all came from - five years of nothing but great service and now this.