Intact Insurance Home Insurance Reviews

Another driver backed out without looking and hit my car. Intact offered me less than half the purchase price. I'd bought the car 6 months ago. 2nd offer was keep the car, fix it yourself get $0 and they won't insure it because of the accident. Basically felt like they were trying to steal my car without the courtesy of jamming a gun in my face.

Living in the Toronto area my parent's basement was flooded. We contacted Intact Ins. and they opened a case right away. It took them 5 months before they offered my parents any sort of compensation. They could not get a contractor to the house to clean up the sewer backup so the basement remained flooded for about a week and when it started to dry out the mould set in. Without visiting the house the claims adjuster said there was no reason my parents could not move back into the first floor of the house. The adjuster also said they were backed up with claims so they could not have the house repaired until February 2014. What was most upsetting was the adjuster said there was no reason they could not move back into the house at the beginning of August 2013 though they could not use a fan or air conditioning system just in case there was mould in the vents. Summer time, scorching hot, parents are in their late 70s. What is wrong with Intact's adjusters. Are their clients just a number and their health doesn't matter. I asked the adjuster if he had the vents cleaned and if a test was done on the house to determine if there was mould.
After lots of complaining and contacting the ombudsman's office, the adjuster was replaced. The house was finally fixed back to liveable conditions by May 2014. My parents are no longer with Intact

Let's start with the initial contact to start the claim. They answered the call quickly and the home robbery claim was started, so I thought. After a day I phoned back with the police report number when I was told no claim number existed. Claim process started... again. Now the claim has started and their reliable, pre-approved contractor cannot replace the door (destroyed during the robbery) for 6 weeks. Fine, I got my own contractor and had the door replaced in 2 days.
Back to the claim. I was assigned an adjuster from an outside company. She is professional and polite. We both have hit a brick wall with the claim. They just will not update either of us.I don't know where the claim is or when it will be settled.
Update to follow!!!!!

Been with Intact for over 25 years, and in 2012 had hail damage on house, was very dissatisfied with their adjuster and was a fight. Now on top of that have increased deductables on hail and water damage, in checking around seems only company to do this. Have checked with TD, and a couple others, yearly price about the same but for better coverage and lower deductables. Going to change.

On the auto side, fantastic service and coverage, but since are polices are bundled will also be changing.

I have sued intact insurance we are still in court, they are insuring a premise where I got injured, my injuries were very serious, I sued 20 months ago, still waiting, no answer, stalling and consuming time, knowing the extent of my injuries and my disability and incapacity and my health has been destroyed and my life has been wrecked and i am so much in debt at an early age and they are still stalling. I hate this insurance company, the ethics of the non humans working in it, their money hungry greedy lawyers, this is sick.

They are running my life to the ground.
Waiting and waiting and benefiting from from this despicable justice system delaying hearings and stretching the claim.

I feel sick every time I hear INTACT insurance

All they're good at is collecting money, bunch of remorseless heartless ppl

We had a home and cottage insured with Intact. When we started renting the home through AirBnB, they dropped us, offering us an alternative that the agent advised us no to accept, one reason being that the coverage was next to nil. We were able to obtain a regular home owners policy from State Farm, with some conditions on our rental activity.
As for the cottage, we signed with Desjardins, for about a third of the premium that we previously had with Intact.
We have no claims experience to assess Intact or Desjardins. We have some experience with State Farm, and it was superb.
Bottom line: I WOULD NOT RECOMMEND INTACT.

I have been with the same broker for 25 Years and with Intact for 12 Years.
I have never made a claim, always paid my premium in full.
When I received my 2014 policy renewal I noticed extra charges for Identity Theft.
After reviewing the coverage I concluded the amount and what Intact would cover was nonsense and terrible value. I contacted my broker and requested Identity Theft coverage be deleted.
My broker said OK no problem. Next day my broker called and said Intact Insurance wants Identity Theft coverage deletion in writing otherwise they will not delete coverage. I sent my broker the request in writing. Next day my broker calls to say that Intact will not accept my request because it must be signed by all named in the policy. I sent my broker a second request in writing signed by all named in the policy. Finally request to remove Identity Theft coverage removed. Thanks for wasting my valuable time Intact Insurance.

When I received my 2015 policy renewal I had to go through the above process all over again.
Thanks for wasting my valuable time again Intact Insurance.

I have just received my 2016 policy renewal. Identity Theft has again been included in my policy the only thing I will be signing is a Cancellation Notice of the entire policy.

Intact Insurance is a Ridicules Company and one has to wonder if you have so many problems with Intact with an absolutely claim free history. They must be absolutely terrible to deal with if someone ever has the unfortunate situation of dealing with a loss!

I have comments on my Intact Insurance policy. I insured a house in Lindsay that was a rental property. The tenants trashed the place. I had to replace all of the flooring, truck out garbage by the ton, replace closet doors, reinstall kitchen cupboards, clean and paint every square inch, etc. etc. It took us 3 months and cost over $23,000, and that was with our free labour. What did Intact cover? Nothing. I guess it has to be burned to the ground before they'll come to the party. I should have put a match to it.

I had what I thought would be a relatively easy claim to have settled in a reasonable amount of time. Our home was broken into in July 2014. I submitted pictures of the stolen items, serial numbers, and boxes/receipts. I didn't claim anything that I didn't have proof of.

This was a year ago and the most recent response to my emails was "you need to give us time to look at the documents you have submitted "

This is the response after 3 months of just not answering my emails. Like a year isn't enough time to settle a break and enter claim.

I'm very disappointed with Intact Insurance. Beware.