Intact Insurance Review (May, 2024) – Services, Pricing, Pros & Cons

Intact Insurance, Canada’s top supplier of home, vehicle, and business insurance, has over 400 million customers across all ten provinces.

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Last Updated: May 11, 2024

Intact Insurance

  • 4 million customers
  • 2,000 broker relationships across Canada
  • 24/7 local claims service

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Its headquarters are in Toronto, and it is a subsidiary of Intact Financial Corporation, which has a long history dating back to 1809.

We thoroughly reviewed multiple Intact insurance reviews accessible online, as well as the most recent evaluations and statistics offered by industry professionals, to present you with complete and accurate information.

Because of this extensive evaluation, our review serves as the definitive reference for determining whether Intact Insurance is the perfect decision for you.

What is Intact Financial Corporation?

Intact Financial Corporation is a well-known Canadian insurance firm that offers home, auto, and commercial insurance.

Their major mission is to help Canadians and companies achieve their objectives, which they accomplish by providing high-quality insurance products ranging from vehicle insurance to commercial insurance.

Surex is a site where you can get intact insurance quotes that are tailored to your specific needs and exceed your expectations.

Intact Insurance is well-known for putting client happiness first, which is why one in every five Canadian policyholders relies on them for coverage.

Whether you’re driving on Canadian highways or doing housework, Intact’s dedication to its consumers is unshakable. With Intact Insurance on your side, you can rest easy knowing you’re covered.

Types of insurance Intact provides

Intact Insurance ServicesClaim Offer
Intact Home InsuranceGet Started >>
Intact Car InsuranceGet Started >>
Intact Business InsuranceGet Started >>

Intact Insurance provides a wide range of business insurance products, including:

  • Liability insurance for cybercrime
  • Liability insurance for employment practices
  • Insurance against fiduciary responsibility
  • Insurance for commercial vehicles
  • Commercial umbrella coverage
  • Insurance for data privacy and communications
  • General liability insurance for businesses
  • Property protection insurance
  • Insurance for inland shipping
  • Insurance for workers’ compensation
  • Insurance for product liability
  • Business income protection insurance
  • Liability insurance for marina operators
  • Insurance against crime
  • Insurance for management responsibility

This insurance product list is not exhaustive, since Intact Insurance may provide additional coverages that your independent insurance agent may assist you with.

Product descriptions and features

Intact Insurance is a Canadian vehicle insurance business noted for its low prices and remarkable features. Here’s a quick rundown of what distinguishes Intact:

1. Intact Service Centre

The Intact Rely Network of authorized repair shops makes managing qualifying vehicle claim repairs simple, quick, and convenient. Repairs are guaranteed for as long as you own the car.

2. Guaranteed 30-Minute Claims

According to Intact insurance claims reviews, Intact guarantees to act on your claim request within 30 minutes of receiving it. If they do not, Intact will reimburse you for the entire annual premium amount, up to $1000.

3. Free One-Year Membership to the Association of Electric Vehicles of Quebec (AVEQ)

If you’re in the market for a hybrid or electric car in Quebec, consider Intact for your auto insurance requirements.

All Quebec residents who purchase EV insurance from Intact receive a complimentary one-year membership to AVEQ.

With an AVEQ membership, you may save money on EV rentals and purchases, as well as EV charging stations.

4. Website and mobile application

The Intact website is simple to use and presents information specific to Canada. The companion app, which allows you to view your insurance information from anywhere, has received positive feedback in both the App Store and the Google Play Store.

5. Signature Feature: Turo Insurance

Intact provides Turo car-sharing service protection plans, allowing you to profit from your car’s idle time. Turo business insurance covers you while you’re dropping off your car and throughout the rental term, while your personal Intact auto insurance policy covers you for personal usage.

6. Financial Stability

Intact, Canada’s largest car insurance company, has good financial status and has been rated A+ (superior) by A.M. Best. This implies that you can rely on Intact to meet their duties when you submit a claim.

Benefits of partnering with Intact Insurance

Intact Insurance offers more than just high-quality coverage alternatives for homeowners, drivers, and business owners.

They also provide a variety of specific incentives to help you save money.

Here are some of the advantages of working with Intact Insurance:

Insurance Rates at a Discount

Are you looking for strategies to reduce your monthly or yearly insurance costs? Intact provides a variety of discounts to both personal and business policyholders. Examples of popular Intact insurance discounts include:

Discounts for Bundling

Do you have many insurance policies with different providers? Consolidating your insurance coverage, such as house and vehicle, with Intact may be the answer. In order to win your business, Intact provides appealing bundle discounts.

Home and vehicle customers can combine their policies to considerably lower their insurance prices. Bundling is a simple technique to save money in the long run.

To discover more about the advantages of combining your insurance products with Intact, contact your Surex insurance agent now.

Winter Tire Car Insurance Discount

Car insurance may be expensive, especially in areas where the weather is bad. Furthermore, driving in winter conditions raises the likelihood of an accident, which might have an impact on the area’s typical insurance costs.

Ask your Surex insurance adviser about Intact’s winter tire auto coverage discount if you want to reduce the probability of an at-fault collision during the winter months and save money on car insurance.

Drivers who use winter tires on their vehicle throughout the required period might save up to 3% to 5% on their auto insurance costs.

Driving School Discount (Only in Certain Provinces)

Working on your driving abilities is always a good idea, especially if you spend a lot of time behind the wheel. Consider taking a driver’s education course if you want to enhance your driving skills while also lowering your vehicle insurance premiums.

Taking and passing a driver’s education course might result in considerable savings on your vehicle insurance.

Please keep in mind that this auto insurance discount is only accessible in certain jurisdictions. For additional information, please contact your Surex insurance adviser.

myDrive Loyalty Program

If you are continuously attempting to improve your driving abilities, Intact’s myDrive incentives program may be beneficial to you.

MyDrive supports safe driving behaviours by providing users with up to a 25% reduction on their vehicle insurance prices!

To learn more about the myDrive auto insurance rewards program, contact your Surex insurance agent.

Flexible payment options

Intact provides customers with three payment alternatives, giving them additional freedom in making insurance payments.

Here’s a quick rundown of Intact’s payment options:

1. Monthly Plan

Policyholders can pay for their house or auto insurance with monthly withdrawals. Please keep in mind that interest rates and finance costs may apply.

2. A Three-Payment Plan

To pay for their house or automobile insurance, policyholders can make three equal payments throughout the year.

Your insurance can be paid for online, via automatic withdrawal, credit card, money order, or check. Fees for financing may apply.

3. One Payment Plan

The One-Pay Plan is available to policyholders who opt not to make future payments.

Policyholders can choose this plan to pay their yearly expenditures at the start of their coverage. You are covered until the following year once you have paid for your policy.

This option is more efficient than the others described above and provides policyholders with a 5% discount!

Payment choices differ depending on province and application, and policyholders must be eligible for the One Pay Plan discount.

Drawbacks of Intact insurance

The average customer service rating appears to vary depending on where you live in Canada.

What sets Intact Insurance apart?

As indicated by the evaluations, Intact Insurance has gained a reputation as not only a decent insurance business but a top-rated one.

Whether you need personal or commercial coverage, the skilled staff at Intact can make sure you’re “covered.”

So, what distinguishes Intact Insurance as a “top-rated” company? Here are some of the things that set them apart from other personal and commercial insurance providers:

Guaranteed quick service

When you interact with Intact Insurance, there is no such thing as “poor customer service.” The staff ensures prompt response, whether you are making a claim for personal home insurance or commercial vehicle insurance. Intact will begin processing your personal or commercial insurance claim within 30 minutes of receiving your call.

Corporate responsibility

Intact Insurance is devoted to donating substantial time and resources to communities around the country in the hopes of building a brighter future for homeowners, drivers, and business owners across the country.

sponsorship for speed skating

Speed Skating Canada and the Canadian Speed Skating Team are both sponsored by Intact Insurance, a relationship that began in 2006.

Intact Insurance app

Intact is one of the most forward-thinking insurance businesses in the country, thanks in part to its use of technology, such as the Intact Insurance App.

The app allows policyholders to evaluate their coverage, process claims, and verify particular policy details with the press of a button.

You may obtain the relevant information through your Intact Insurance App account if you need to make a hail claim for your house, have been in an at-fault accident, or want to double-check the procedure for your first claim.

Personal and business insurance company special programs

For company owners in need of commercial insurance, Intact Insurance provides a number of unique programs:

Client Support and a Mobile App

Customers may access their insurance information, papers, and other information using Intact’s digital platforms (Client Centre and Mobile App) at any time and from the comfort of their own homes.

Customers may also get real-time information on claims and billing, which can save them a lot of time and effort. It’s no wonder that Intact is regarded as a forward-thinking insurance provider.

Intact Service Centres

Following an accident, most drivers must visit a body shop to have their vehicles fixed before informing their auto insurance carrier of the cost.

Repairing an automobile may be costly, typically costing thousands of dollars, depending on the degree of the damage.

Intact policyholders, fortunately, can take their cars to an Intact Service Centre.

Customers may easily manage qualified auto insurance claims and repairs by bringing their vehicle to an Intact Service Centre.

Customers who have been in an accident can leave their damaged vehicle at the nearest Intact Service Centre and drive away in a rental car.

Customers can keep the rental car until their own vehicle is fixed satisfactorily. Going to an Intact Service Centre is advantageous for both drivers and the Intact team since it streamlines the vehicle insurance claims and repair procedure.

Trust Networks

To help policyholders after an accident, Intact works with some of the country’s finest vehicle collision repair businesses and property specialists. Working with these specialists ensures that they do more than just a decent job; they go above and beyond to please the policyholders.

Submitting a claim with Intact Insurance

Policyholders can file an insurance claim by phone or using the Intact Insurance mobile app.

How to file a claim via phone

Personal and business policyholders can make claims over the phone for automobiles, houses, condominiums, and other items by dialing 1-866-464-2424.

Hours of operation: Intact provides services such as house, vehicle, and renter’s insurance. 24 hours a day, seven days a week. Please verify that you have all of the relevant information, including a valid postal code, before making a claim.

How to make a claim using your Intact insurance app

By logging into their Intact Insurance mobile app account, policyholders may instantly submit and track claims for home, business, or auto insurance.

To begin, navigate to the “Claims” area of the app.

Customers may then select their coverage and respond to a series of questions (much like conversing with a claims adjuster).

Following that, consumers can attach a variety of documents, which will be evaluated by an Intact staff member.

Intact Insurance review final word

Intact distinguishes itself from other Canadian vehicle insurance providers by providing coverage across the country. Its unique insurance choices make it an excellent alternative for those who use their automobiles for ride-sharing.

However, customer satisfaction scores appear to differ depending on where policyholders live in Canada.

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FAQs about our Intact Insurance review

Is intact insurance beneficial?

Those looking for complete coverage for their car, house, or business may consider Intact Insurance. They have a strong reputation for customer service and provide a variety of customizable plans. However, to guarantee you're obtaining the greatest coverage for your requirements, compare rates from several providers.

Who owns whole life insurance?

The full life insurance policy is owned by the insured. They pay insurance premiums to the corporation, which accumulate financial worth over time. The beneficiaries get a death benefit payout from the insurance upon the death of the policyholder.

How do I cancel whole life insurance?

You must contact the insurance company directly to terminate a whole life insurance policy. They will almost certainly have a unique cancellation procedure in place and may impose costs for early termination. It's critical to understand the financial consequences of terminating a whole life insurance policy since you may forfeit any accrued cash value and be unable to obtain the same coverage in the future.

Does comprehensive insurance cover rental cars?

Rental automobiles are normally covered by comprehensive insurance; however, this varies depending on the coverage. To understand your coverage for rental automobiles, consult your insurance policy or contact your insurer. You may also be able to acquire supplementary insurance from the rental car provider.

Is Intact Insurance a reputable insurance provider?

Intact Insurance has over two decades of expertise and has established itself as a major participant in the insurance business. A.M. has given the firm great marks. Best, however, is not certified by the BBB and has had several complaints in recent years. Furthermore, the countless bad customer reviews seen online are quite worrying. Given the high level of client unhappiness, it is impossible to claim that Intact Insurance is a reputable insurance firm.

What exactly is intact insurance?

Intact Insurance is a Canadian insurer that provides auto, home, and business insurance. They provide a variety of customizable plans and are well-known for their emphasis on customer service. Since its inception in 1809, the firm has evolved to become one of Canada's major suppliers of property and liability insurance.

Is rental car insurance covered by intact insurance?

Typically, your existing insurance provides accident benefits and third-party liability coverage for the rented car immediately. The coverage limitations are the same as they are on your auto insurance. According to Intact auto insurance reviews, you must be the named insured to obtain rental coverage, but the best thing to do is to verify with Intact before renting a car.

Is Intact Insurance a reputable insurance provider?

Today, Intact Insurance has over two decades of expertise under its belt. The airline has gotten favourable reviews from A.M. Best and the BBB; however, they are not recognized by the latter and have had complaints lodged against them in recent years. Furthermore, the negative customer evaluations seen on the internet are highly disturbing. We're hesitant to name Intact Insurance an excellent insurance provider because of the high level of client discontent.

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Intact Insurance

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April 30, 2023
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