Intact Insurance Auto Insurance Reviews

The worst insurance experience you will ever experience! I had a front-end collision when someone made a very bad U-turn. The front of my car was damaged and intern my headlight leveller sensors were cracked. They took months to get back to me and when they did they said the cracked sensors had nothing to do with the collision. Their “recommended” auto shop assured is an absolute joke! They didn’t have the proper diagnosis tools available to see what was wrong with my car and I had to bring it to the dealer to figure out which I paid out of pocket. Intact has no backbone no support and they cannot keep their promises of what they call “making your vehicle like new” I will be taking my money elsewhere!

Used to be a fantastic insurance company when it was a Canadian operation. But now $ signs rule all their decision.
You have an accident, their phone lines take hours to get in forget about that 30-minute guarantee... Then you get someone who sounds like you just ruined their day by calling... Like isn't that your job, you leave a voicemail, the adjusters NEVER return them, you send an email, good luck... Your body shop calls and calls to get approval, nope wait weeks, oh your vehicle is a write-off, he's our totally not put together document from car listings no one can find on the other side of the country not seen anywhere else to lower your settlement.
Moving at renewal.
The company needs to focus on the basics, they let themselves get dazzled by flashy systems and apps.

I was considered at fault for an accident that I actually had nothing to do with, no damage to my vehicle and the other driver was very much speeding. This “human” decided to drive over a bridge at the same time I pulled up to the curb where I was stopped. In his little brain, he thought the best thing to do was to aim between my vehicle and the vehicle behind me causing both of us to move out of his way so he didn’t hit both of us... I got blamed for him allowing himself to lose control of his vehicle. Intact did nothing to help me out and refused to listen to anything I had to say.
Later on, I found out this is the same guy who put a toddler (yes, a toddler) in the front seat of his vehicle with no seatbelt, got into an accident and killed his kid.
Well done Intact...way to side with a child killer.

My husband and I have had 2 cars and our home was insured with Intact for years. We are seniors, born in 1940 and 1943. We had a car rear-ended years ago and I don't recall a lot of stress with the incident. Little did I know how things have changed. One car we bought specifically for our daughter to transport her special needs son. On February 25, 2022, in the midst of a snowstorm, she found herself in a snowbank. She called me immediately and my first question was to ask if she was hurt. She assured me she was driving slowly and wasn't hurt. The airbag didn't release. She said the only damage seemed to be broken plastic panels at the front right. I asked her to take pictures and to call the number on the insurance card. I assured her the adjustor would get her a rental and it would be a simple repair. Little did I know. She was told that Enterprise would provide a car. When she called Enterprise in Ottawa, she was told they wouldn't have a car back for a week, and then there was a waiting list, so they couldn't say when a car would be available. Upon hearing this I called Intact. After being on hold for 55 minutes, I was told to keep calling Enterprise and I might find one. I politely told the Intact employee that I was paying for a rental car and I expected her to find a car. After waiting on hold for another 20 minutes I was told there weren't any rental cars available in Ottawa. I told her I didn't believe that and a car was critically needed immediately. I Googled Ottawa car rental and Avis was on the top of the list. A quick call and I was told they did have rentals available. He said Intact had been in touch with him and they wanted to pay $50 daily, and he charged $65. For $15 daily they straight out lied to me. The Intact rep suggested that my daughter should use a cab to get around and if she had her receipts she could get reimbursed up to $50 per day. I explained that she had a special needs child and he did not cope with changes to his routine. I told my daughter to pick up a car from Avis. After 10 days she owed Avis $626.47, an expense she couldn't keep up, so I gave her my car and now I am without a car. I have waited up to an hour several times trying to get through to Intact. My broker says there is nothing they can do. I have not had a call from an adjuster. On March 8th I received an unsigned letter from Intact with the name of my adjustor. There was a line telling me to call....(blank space) or to contact her by email at...another blank space. I called a broker, (not my broker) and got put through to the adjustor's voice mail, where I left a message with regard to the critical need for a rental car. No reply. Strangely, the broker was able to get through without a wait. My broker is Broker link, as useless as Intact. I thought perhaps I was being ignored because of my age but after reading reviews posted by others, it is clear that Intact has a history of terrible service. I am far from finished with them but I have no intention of getting shafted. I am fully aware they have staff lawyers. I have lived too long to be intimated by them. Anyone who interferes with the well-being of my special needs grandson will come to regret their actions.
If you are insured with Intact, do yourself a favor and get rid of them before you need them.

The notification for my change came late in the mail. By the time I received the letter, it was two days late so they changed over $200 for the cancellation fee.

They make it extremely difficult in contacting personnel. Extremely poor and disrespectful customer service. Nobody asked me the reason I quit Intact insurance.
It seems they don't care...

I have a twin who lives in the same area. We have the same driving record, drive the same (exact) make/model vehicle (though his is 3 years newer). Intact charged me 2 1/2 times what he was paying (I pay yearly, he pays monthly). When I shopped around I found that I was not only paying a lot more for insurance but was also not allotted discounts (Hybrid, snow tires, good driving record, low mileage...). The next highest quote was 1/2 what Intact was charging me. The next was what my brother was paying and the fourth was 1/4 (with the requirement that I install a driving gizmo to monitor driving). Don't go with Intact until you shop around!

Do not sign up with Intact. We had an accident out of province - the phones lines were crossed (calling the number on the back of the insurance card led to intact Quebec not Intact Ontario, leading to more confusion); waited over an hour in winter on side of the road to speak with someone; the person we dealt with was unfriendly and unhelpful; we ended up sourcing the solution to the car fix/replacement vehicle ourselves. The whole situation was stressful and Intact refused to pay for services deemed safe and necessary by more than one mechanic. Terrible service, terrible coverage. The last people you want to deal with when you’ve just had an accident. Leaving Intact as soon as I can - hoping to save others from this totally sub-par experience. **would have given zeros stars to this rating but it was not an option*

We ended up with Intact insurance because they bought out our previous insurers. If you are going to buy a company, you need to continue their service. Intact is the worst company I've ever dealt with. We have a small claim a month ago and still no action. The adjuster we were given must be on vacation because of several emails and 5 phone calls and she still hasn't responded and hadn't submitted the photos we sent. I suspect we won't get a settlement until months from now. We will definitely be looking for another provider as soon as this is settled.

Literally, the worst insurance company I have ever dealt with. Save your time and your sanity and never choose Intact.
(1) Took me a month to just get an ESTIMATE of the total damages to my vehicle after my accident
(2) Now I'm now stuck playing phone tag with people who apparently are never around trying to get an estimated repair date.
(3) It took them 4 days and 3 phone calls to actually start my claim
(4) It took them a week to tow my vehicle from the collision centre location to the city where I live
(5) Another week to tow it to the correct body shop at my dealership because they brought it to the wrong place - their own shop, not the one I noted
(6) Another two weeks to get the estimated repair amount AND BIG surprise, I didn't even get the estimated repair amount from Intact Insurance - I got it from the body shop itself because Intact is too incompetent to reach out in a timely manner.

Can't even call their general phone line because you're on hold for over an hour and then the line gets disconnected... They want to repair a $28,000 vehicle with almost $18,000 in damages. The biggest joke. Would not recommend Intact to my worst enemy.