Intact Insurance

Intact Insurance

With its headquarters in Toronto, Ontario, Intact is the largest private sector provider of P&C insurance in Canada.

Intact Financial Corporation
Founded1809
HeadquartersToronto, Ontario
Employees~ 13,000
Canadian Mkt. Share*16.93% (2017)
Insurance ProductsAuto, Home, Renters, Landlord, Condo, Business, Drone, & Uber Insurance
Provinces LicensedAB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT
*Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

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Get an Intact Insurance Quote

Contact one of our Ontario brokers for an Intact Insurance quote Speak with an Intact broker today: 1-800-731-2228

Company Overview

Intact insures over 5 Million individuals and businesses through its own brand as well as through its subsidiaries, which include Brokerlink, Jevco, its direct arm Belairdirect, and the OneBeacon Insurance Group in the US.

Intact Insurance has made a habit out of being very visible at times and in areas when their Canadian clients need them. The entire business model of Intact Insurance revolves around offering client-centric services that enhance customer satisfaction, and creating a diverse roster of product offerings to handle almost any situation. The company’s financial stability and decades of underwriting experience make it popular with Ontario consumers.

Intact Insurance provides:

  • Personal lines of insurance that go beyond what most providers offer
  • A long list of significant discounts that includes the My Driving Discount for car insurance
  • Rewards for being reliable clients who avoid making claims and pay their bills on time
  • Services that are based on quality and speed to create comprehensive customer satisfaction

Intact Insurance offers full lines of commercial and personal insurance, including products such as surety bonds for businesses that can be difficult to find. The company has built a sizeable reputation based on its generous discounts for auto insurance that can combine to save consumers a great deal of money. The company also offer special coverage types such as auto insurance based on use and not standard criteria normally used that can save consumers even more money.


Intact’s Strengths

With its years of experience and vast financial resources, Intact Insurance offers plenty of advantages to consumers. Any company that can team up reasonable premiums with a wide array of potential discounts is going to find favour with consumers. But there are other advantages to doing business with Intact that Ontario consumers have discovered through the years, and they include:

  • Customer Service Focus – Intact Insurance has a policy that a claim must be started within 30 minutes of a client initiating a phone call. Intact has also been recognized as one of the best insurance companies in Canada when it comes to customer service. The company attends to the details that keep clients happy and make life easier for brokers.
  • My Driving Discount – Auto insurance is always a focus for consumers, and Intact’s My Driving Discount program brings a lot of attention to the company’s auto lines. Consumers get five percent off their auto premiums just for signing up for the program, and then they get another 25 percent discount after a proven track record of good driving. The company collects data on the consumer’s driving habits to determine when the discount goes into effect, but the company also guarantees that collecting that information will not increase premiums at all.
  • My Lifestyle Advantage – Intact Insurance is unique because of the creative ways it finds to give clients discounts. My Lifestyle Advantage is a home insurance package that rewards clients for taking proactive steps in making their home safer and maintaining their home properly. Clients can also get their auto insurance deductible waived in the event of a natural disaster.

Intact’s Insurance Products

Intact Insurance does not work from a small list of standard products that they squeeze into a client’s situation. The company has comprehensive lines of coverage that can help people with any type of personal or commercial insurance needs.

Intact Auto Insurance

Intact Insurance has a comprehensive roster of auto insurance coverage options for all types of personal vehicles, including pleasure vehicles such as boats and ATVs.

Special Vehicle Discounts And Programs

  • My Driving Discount
  • Minor conviction protection
  • Uber protection
  • Home and auto bundling discount

Intact Home Insurance

No matter what type of protection you need for your home or your home-based activities, Intact Insurance has you covered.

  • Water damage protection
  • Home insurance
  • Condo insurance
  • Cottage insurance
  • Travel insurance
  • Identity theft coverage
  • Liability coverage for a home-based business
  • Tenant protection
  • Rented structures insurance
  • Liability insurance for property incidents
  • Group policies to save on costs

Home Savings Programs

  • Lifestyle Advantage
  • My extras
  • Home and auto bundling discount

Intact Business Insuranc

Intact Insurance can help you with your diverse commercial insurance needs.

  • Commercial vehicle coverage
  • Fleet insurance
  • Commercial property liability protection
  • Surety bond program
  • Custom commercial insurance solutions

Intact’s Acquisitions & Milestones

  • 1809: The Halifax Fire Insurance Association was established
  • 1950s: Halifax Fire Insurance Association acquired by Dutch insurer Nationale-Nederlanden
  • 1980s: Nationale-Nederlanden acquired Commerce Group and Belair Insurance in Quebec, and Western Union in Alberta
  • 1991: Nationale-Nederlanden merged with NMB Postbank to create ING Group
  • 1993: Entities owned by ING Group are brought together to form ING Canada
  • 1998: ING Canada acquired Guardian Insurance’s Canadian business interests
  • 2001: ING Canada acquired Zurich Canada’s home, auto and small and medium business insurance interests
  • 2004: ING Canada acquired Allianz Canada
  • 2009: ING Canada became Intact Financial Corporation
  • 2011: Intact Financial Corporation acquired AXA Canada Inc.
  • 2012: Intact Financial Corporation acquired Jevco Insurance Company
  • 2015: Intact Financial Corporation acquired P&C insurer Canadian Direct Insurance Inc. (CDI), which has since merged with belairdirect
  • 2017: Intact Financial Corporation acquired US-based specialty business insurer OneBeacon Insurance Group, Ltd.
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Intact Insurance Quotes

Looking for an Intact insurance quote for coverage in Ontario? Contact one of our insurance brokers for an Intact Insurance quote. Speak with a broker today: 1-800-731-2228

Intact Insurance
Head Office:
700 University Avenue, Toronto, Ontario M5G 0A1, Canada
Claims: 1-866-464-2424

Intact Insurance Reviews

Rated 2.4 stars
2.4 / 5 (13)

40%


  • Savings
    User: 54%
  • Application Process
    User: 56%
  • Claims Process
    User: 35%
  • Rate stability
    User: 53%
  • Document delivery
    User: 57%


Levis Veilleux
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

Avoid Intact insurance at all costs, they never pay.

on 2019-09-12 00:40:22

With intact, my friend has paid their premiums for house insurance for many years. After a water leak was detected from water coming out a light fixture on the lower floor, Intact first said they would pay and booked a repair company. Then they called later the same day indicating that my friend is responsible for paying a plumber to determine the cause first. They they called back later stating that they will not cover any of it at all. Now my friend must pay the contractor who is booked. Totally unprofessional and useless company Intact is. Why have home insurance at all if they refuse to pay to repair a simple water leak? Use BCAA or Coast Capital insurance they both make the repairs, and pay with no questions asked. Intact insurance is a total waste of money!



Adel Dimitri
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
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  • Document delivery
    User: 0%

on 2019-09-06 11:42:39

Mon renouvellement a été haussé de 25% sans aucune réclamation. Ce n'est pas du tout acceptable. Je transfererai à une autre compagnie plus. Je vous suggère de rester loin.



Susan Barrett
Rating: 5
5 /5 stars

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    User: 0%
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Highly recommend

on 2019-07-03 18:50:30

A car went through my fence. I called Intact and my adjuster was S. Mainville. He was very professional, fast, followed through and within a month I had a whole new 145ft fence. Thanks Sean.



Caroline McKey
Rating: 1
1 /5 stars

  • Savings
    User: 0%
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    User: 0%
  • Claims Process
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Dastardly ...no just poor business decisions on their end

on 2019-07-02 16:13:48

made the mistake of calling intact instead of my broker. never made a claim - fixed small issue ourselves. several years later our rate jumps by a third. B b b b bye intact. you got your extra third for the year - but lost our business long term. Boneheads



D M
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
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    User: 0%

on 2019-06-18 14:24:40

Wow!!
Horrible!
Too Long
Quote? Rofl
How unfair!



Maria Boyle
Rating: 1
1 /5 stars

  • Savings
    User: 20%
  • Application Process
    User: 10%
  • Claims Process
    User: 10%
  • Rate stability
    User: 40%
  • Document delivery
    User: 10%

Intact rip off

on 2019-04-27 18:23:06

Got my vehicle back unsafe to drive!!! Guy's auto lied through the entire process!!! Giving Intact Insurance the ability to not repair the accident damage, I got completely screwed over!!! Out of pocket cost, $1,500!!! That's how Intact does business!!! Horrible company!!! Stay away, they will not take care of you, just your money!!!!



Tamra
Rating: 0.5
0.5 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

Awful terrible

on 2019-04-16 11:26:34

All they care about is the money they Cheat you out of. Spare yourself grief and look elsewhere.



Mego
Rating: 0.5
0.5 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 0%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

DO NOT GO WITH INTACT

on 2018-12-09 15:21:08

DO NOT GO WITH INTACT DO NOT GO WITH INTACT DO NOT GO WITH INTACT. I wish I had read the reviews before signing up. A week of "My Driving Discount" and I was out. The app is ridiculously stupid, and clearly set up to take your money regardless of the quality of your driving. I tried to cancel my Intact policy over a month ago, and they have had me jumping through hoops to get my refund ever since. The latest update? I was sent a letter saying "your refund will be processed upon clearance of your last payment". B*tch, what does that even mean? I paid Debit in full over a month ago. This entire experience has been an absolute NIGHTMARE. To summarize: DO NOT GO WITH INTACT.



John Clattenburg
Rating: 5
5 /5 stars

  • Savings
    User: 100%
  • Application Process
    User: 100%
  • Claims Process
    User: 100%
  • Rate stability
    User: 100%
  • Document delivery
    User: 100%

Fantastic

on 2018-07-07 07:18:44

Great experience all around, it’s an insurance company so it’s difficult to judge unless you’ve had a claim. They know how to take care of you when you do.



Mohammed Rahman
Rating: 2
2 /5 stars

  • Savings
    User: 60%
  • Application Process
    User: 40%
  • Claims Process
    User: 20%
  • Rate stability
    User: 10%
  • Document delivery
    User: 30%

Stay away from INTACT !!!

on 2018-06-20 11:14:17

My neighbors tree fall down on his and my roof due to storm. It is over 2 months and they are still working on it to get the estimate. Everyone in my neighborhood / my friends all of their repair is done long time by their insurance company except mine. The great Insurance: INTACT.. Look like they are the only one in this city who has all the claims. called many times and even complained to the higher authority..

SO IF YOU CAN, PLS TRY TO STAY AWAY FROM INTACT...



Sidney van Batenburg Stafford
Rating: 3.5
3.5 /5 stars

  • Savings
    User: 30%
  • Application Process
    User: 80%
  • Claims Process
    User: 0%
  • Rate stability
    User: 50%
  • Document delivery
    User: 100%

my ducati

on 2017-11-10 15:12:56

I have been riding bikes all my life.
I own and operate a hvac-r business, which involves a lot of driving.
my 30yrs experience both behind the wheel and on two wheels leaves me to believe I'm paying too much to ride?



Kelly
Rating: 5
5 /5 stars

  • Savings
    User: 100%
  • Application Process
    User: 100%
  • Claims Process
    User: 0%
  • Rate stability
    User: 100%
  • Document delivery
    User: 100%

Great Prices

on 2017-10-23 20:38:03

I have been with Intact for over 10 years, year after year the prices have been great! They offer amazing discounts for family members in the same household.



Sean
Rating: 5
5 /5 stars

  • Savings
    User: 100%
  • Application Process
    User: 100%
  • Claims Process
    User: 0%
  • Rate stability
    User: 100%
  • Document delivery
    User: 92%

Competitive Pricing and Products

on 2017-10-23 10:26:29

I have been insured with Intact for over 10 years now, and their pricing is always competitive. Other then receiving a lot of paper work(TravelWell) all the time, I have no complaints.



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