Intact Insurance Auto Insurance Reviews

I had a very bad experience with Intact insurance. I bought the insurance and my premium was 253/mth. After a year, I did not receive any documentation. I checked my bank account and Intact had debited my account for an amount of 350. I called the broker who then said they renewed the insurance automatically and my premium had gone up by almost 50%. That was the most ridiculous thing I have ever heard. I had no driving issues throughout the year, no tickets, the police had never pulled me over but my premium has increased.FLEE FROM INTACT INSURANCE!!!

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.

I was in a single vehicle accident in the winter time. When I called the claims department of Intact Insurance, first off, no one asked me if I was alright or injured. In case someone that works there actually cares... I'm fine. The representative first started off by saying that any object on the road or the side of the road is 100% avoidable. Which is nonsense! I responded by saying if I didn't hit the hydro poll, I would have gone into a pond and my vehicle would have been submerged and I could have possibly died. The response I got; 'it would have been better than hitting the pole and writing off your car and paying you out'... WHAT! SERIOUSLY! After I cussed the representative out for saying that for a good 15 minutes, it took 3 weeks for them to evaluate my vehicle's condition, only for them to tell me it was a write off (which I already knew because all the airbags deployed). Then another 4 weeks for me to receive my compensated cheque for the car. If I owed Intact money, they would have given me a date to pay it by and if not paid by the selected date, they no doubt would start charging me interest. Why couldn't I do that to them? Charge Intact interest for being unbelievably slow. And now, 5 months later I'm still waiting for my personal belongings from the trunk of my vehicle which Intact apparently mailed out to me in January. I know they never did and I WILL be asking for compensation for my belongings that I believe are long gone now. A while back too, I found out that an Intact rep was giving away my personal payment history to my father via email (which is NONE of his business), not knowing for sure that it's my dad on the other side emailing. There could have easily been someone holding a gun to his head telling him to email Intact about me. Thanks, Intact Insurance, I feel safe with you as a customer... *cough* TRUST ME; I will be leaving Intact Insurance the second that accident is off my record. I'm patient, I can wait 6 years. Let the countdown begin!!

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.