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I send them that I don’t want to renew with them. They send me a notice one month later, they said: "they didn’t receive my payment". I contacted my insurance broker ( because we can’t deal directly with Intact), they said I should advise by phone my broker. (that s not true) and they ask me for new insurance proof or I have to pay... I said it is not your business what is my new insurance company. I send them a legal letter, then, they cancelled my insurance. Also, I was with them since 2013 and we never claimed anything buy they increased my insurance between 10-15% every year. Avoid this company!