Axa (Intact) Home Insurance Reviews

We had a bump in the road this winter financially, whereas, I had to make an abrupt decision to stop payment on my bank account for our home insurance to avoid NSF charges with the bank and the insurance company. If I allowed the payment to go through it would have cost me $90 that I couldn’t afford to pay to the bank and the insurance company. It cost me $12.50 to stop the payment and it was a one-time thing not permanent. Intact insurance cancelled our policy and sent notice to the bank that in turn notified me that we were cancelled. I contacted my broker who then informed me that we were cancelled due to non-payment and for that reason, they wouldn’t reinstate us. My broker then took over two weeks to find out if they would reinstate us, but the lady who was in charge of making that decision was on holidays. Once she was back the answer was no. I then contacted another broker and because we got cancelled and it was beyond a two week period, the other top insurance companies wouldn’t insure us. She then sent it out to another market that in turn came back with an insurance company that would take us, but very expensive. I cannot afford to take a higher payment. I reached out to Intact ombudsman to see if they would have a look at our circumstances and to no avail, the answer is still no. I am disgusted and extremely disappointed with Intact insurance. Insurance companies have zero compassion.

In November 2009 our ensuite bathroom toilet overflow caused damage to our bedroom & bathroom flooring, leaking into the basement below the bedroom. Intact had Belfor Restoration out promptly & we were happy with most of the work. However, the carpet company gave us a choice of only two samples neither of which we liked. We chose the best of the two & were very unhappy with the product. We called the insurance company & they insisted the quality was the same as the damaged carpet. It deteriorated & we called them again after three years. They said we'd waited too long even though it wasn't our first call. We were given a run around.On Feb. 18, 2016 we had a new carpet installed that cost us $1470.44. Makes me wonder why we had insurance.

Did not listen and dragged out the claim proceedings.