Intact Insurance Home Insurance Reviews

I was with Intact for home & car insurance for 6 years in Ontario. Never missed a payment never had a claim. I move to Quebec an am refused insurance based on a 35-year-old criminal record from young and stupid days. Has no bearing on my current life situation. This question was never asked in Ontario and had no correlation to getting insurance. Prejudice at its finest.

I paid for a year on my home insurance and decided not to renew another year with Intact based on all the terrible reviews. So I just ignored their renewal contract and then they sent me a legal letter stating that I owed them $100.00 for not renewing. Spoke to my legal team about this and they basically said to ignore them and throw the letter out. I actually should charge them for attempted fraud, I cannot imagine how they would treat me if I had a claim to make. Actually, I do! Based on all the horrible experiences people had with Intact. I was one of the luckier ones I guess. Be safe and stay away!

We are still fighting a claim that began March 3, 2020!! It is now August, at every turn, they have negatively dealt with us causing me mental stress that I couldn’t do it on my own anymore and needed help. Our first “representative” should be fired I’m positive we are not the only ones he’s dealt with in such an unprofessional manner! We needed to escalate it to his boss in 1 conversation to my husband took on an unprofessional approach as well as swearing and telling him he should pick up a book and learn to read. Once again we escalated to his boss or above him, who originally we thought we would finally see progress and she proved unprofessional and unable to do her job, she has been ignorant, didn't hasn’t resolved any matter after all this time they’ve left us with mouldy clothes/my 15-year-old daughter without a bedroom set because they claimed it was in the pod which we have a receipt for $7500 when they actually threw it out which I was 100% on as I saw them put in the truck they towed away as “garbage” (careful I think their staff gets first dibs as I would be surprised with their proven practices we’ve been exposed to. My basement is in shambles, my daughter has no bedroom at 15, you can’t move in my main floor because things we could save are shoved on my main floor, I have no laundry facilities as they were flooded and shorted out, and the clothes we could salvage my daughter is living out of a garbage bag and other clothes and items from the basement were thrown out or have been given back to us mouldy. My garage is completely full of boxes that are crumbling at the bottom due to whatever is in them. I COULD GO ON FOREVER! We have been able to eat a meal together at the table even 1 of us at the table there is too much stuff everywhere. We eat in our laps. With COVID we haven’t even been able to go out to dinner together. My daughter and son missed birthday celebrations at home as we couldn’t have anyone at our house. The most hurtful thing their negligence killed my 5-year-old dog. And I have been sick since April (tested for COVID 3 times all negative, so it’s something in my house perhaps mould being there was mould on everything else). More tests for me, long road ahead with this house I loved, all we wanted which is rightfully ours is to be made whole as we had it before. They acknowledged my dog but said they would not be paying her vet bill when we had to put her down. I’m heartbroken and just want what I had before. At this rate, I can’t even see us getting a Christmas tree up and having a nice Christmas my favourite holiday and even being able to enjoy it differently on a holiday due to COVID. Thank you Intact for your lack of customer service and what appears to be a lack of human decency to really go the extra mile for your customers.

I pay my home insurance by cheque every 6 months. Normally we drop it at the office before the due date. The Intact agent said due to COVID-19 they are not accepting cheques. We asked about doing an electronic bank transfer. They said no - they don't accept those. How do we pay? They said credit card. Ok - here is my card number. The agent then says there will be an additional fee of $42.79 for a $1440.00 insurance payment for using a credit card! I asked them how can they be doing that - they will not accept any other form of payment at this time and force you to use a credit card and then rip you for additional fees. Company policy they said. That's the way to step up in the time of a national pandemic Intact! Charge more!

I wish I could give them no stars. They are the biggest scam artists and will do anything to take money from people. They will ask for payment without any documents (they do verbal agreements without you seeing any documents...I know, super professional and legit company) and say “Your documents will be sent in the mail. How will you be paying right now?” type of company. I actually thought I was being scammed, that’s how they do business. When I accused them of scamming me, they eventually sent me the proper documents via email (they should’ve done that in the first place like normal companies). I then was going to pay in full when they properly handled things. They said they need to go over the phone conversations and would review my file and let me know...leaving me to wait with my house insurance near the end date. They are now taking me to collections and they are wanting me to pay for them being incompetent. I was forced to go with my other insurance company because I would’ve been without insurance and they were “reviewing” my file. It infuriates me to think of how many people this has happened to. My mortgage company keeps getting cancellation of house insurance letters from them because I am fighting this. Go somewhere else, they have treated me like absolute garbage this whole time and I’m appalled at the way things are being handled. Go with another company! I’m already starting to hear from other people about their experiences. Look at the reviews. This company will be going under for sure. Just want to save people from getting ripped off if I can.

Do not buy insurance with Intact!!! My townhouse was recently destroyed by water and fire due to a unit that was attached to mine started the fire. Most of my belongings were intact but damaged by water from firefighters protecting the spread of this fire. The adjuster I got came out and was very sweet and kind at first when we met her the same day of the fire. The things changed quickly when we met her again to do a walkthrough. Made me buy hard hats, safety glasses, gloves, steel toe boots and face mask with my own money! My wife is pregnant so we had her sister come along. So I had to supply all that stuff myself. Then she accused me of not trusting her because all I wanted to do was walk through my house and take pictures of all my belonging so I can have a photographic memory of what I lose, so I can claim it. That seems like a normal thing any homeowner would do when something like this happens. She just cared about me signing papers to hand over my house to them to destroy and raid. Anyways there a lot more things and that's all I have been through so far. I am still in the process of recovering my things but I'm terrified of what will happen next because these people working on my claim give zero remorse and let you know right away through the things they say, body language and how they act that they just hear to save the company money and that they don't see you as innocent victim that you. Moving my insurance for sure after I'm done dealing with them! Feels like a nightmare!!! Being a victim of a house fire and also knowing that your insurance doesn't have your back while this process still ongoing!

My experience with Intact was less than 1 star can represent. I would rather drive with no insurance than deal with these money-hungry highway thieves. Now that I've moved on to a better company I can fully recognize how bad Intact is. Have a nice day.

Wow, these guys are snakes. Even charged a fee when I decided I did not want to renew my insurance with them. I'd rate less than one star if it were possible.

They totally took advantage of an immigrant family with poor language skills. They would not cover a claim even though the roofer sent a report with pictures. Our broker gave very poor customer service and I rate her terrible. I will be cancelling my own policy with Intact insurance because of this experience. They may cost less for insurance but if they don't pay valid claims it's like you don't have insurance at all.

Customers pay premiums for years, one time for a small claim, the insurance company does everything in their power to run you down... Makes you call them, again and again, they make you tired. Intact is the worst company of all. Their rates were a bit lower, but if you have claim you will not recover anything. Shame on them, and shame on me for using them in the past. NEVER AGAIN!