Intact Insurance Auto Insurance Reviews

There is an issue with the evaluation model used to determine the "potential discount" a driver will get on their auto insurance renewal using the Plug-In device. Here's my story. I had a perfect history and a 25% potential discount showing on my data page from Intact. Then one day, a driver in front of me made a late, unanticipated move to turn right and he hard braked. Even though I was well back, I instinctively applied my brakes. Applying my brakes triggered a "low severity" braking signal to my device. To be clear, this was a reduction in speed only, no screeching rubber or anything like that. Immediately, the Intact website showed I was dropped from getting a full 25% discount to 19%! Wow. With only one slightly harder braking to keep my car and be safe, I lost over one-fifth of my savings. Very punitive and very poor judgment to program that level of reduced discount to what could only be described as perfectly normal driving action. I'm not impressed with the mathematical model being used in this program. I complained and was told I might regain a higher discount status by driving more and avoiding any more "incidents". In summary. Enrolling in the Plug-In monitoring program gets you an automatic nominal discount on your car insurance. But if you drive fewer kilometres than average and experience typical traffic situations, do not expect any further discounts beyond another nominal 5 to 10%. The 25% discount is rare and only seems to be awarded to some high mileage drivers who travel on clear freeways during daylight hours.