Intact Insurance Auto Insurance Reviews

I had an accident that was not our fault. The vehicle was a total loss. They reduced our vehicles value. Then took away our Rental. Once they give you an offer they can take your rental away. It has now been a fight to get anything from them. Going on 5 weeks and they are not getting back to me. Strongly advise finding another insurer as Intact is not there for you when you need them.

On June 13 my Toyota van was rear-ended while I was stopped at a red light. My Intact experience began with their representative over valuing my vehicle by sending me ads from out of town dealers showing asking prices when I sent sale prices to him from my local Toyota dealer he refused to budge on the decision to deem it a right off. The body shop that I was sent to had my van for 74 days when they called and said it was finished. Upon inspection I noticed several defects and refused to take it back, a few days later the shop called again, upon the second inspection I noticed there was a small dent in the rear door which had been replaced. I demanded they replace the door with a defect-free one, the insurance company refused with their adjuster actually saying "if we fixed cars the way our customers wanted we couldn't keep the cost down" and "sometimes we use dented parts" also a dent that occurred during the accident was fixed with body filler against my request for a proper repair. The third inspection, bumper skin was not fastened around the wheel wells and underneath and a 1/2" misalignment of the rear door was noticed midway up the driver side rear panel. I believe the body was knocked out of alignment in the collision. The adjuster said they could fix it by replacing one of the rear hinges. The hinge is not damaged. Nobody from Intact wanted to listen to my opinion or hear my complaints. Now they are saying they will just carry on with the repairs and if I am unhappy in the end I will have to get an appraisal from someone else and will have to sue Intact. 1 1/2 years ago the MOT in Ontario charged me tax on a vehicle valued at $18000, so far the Intact has spent $14300 on repairs with more to come, my rental car so far has cost Intact over $6000. Over $20000 spent so far with no regard for customer satisfaction. I don't know how this company is still in business. They hurt me far worse than the guy who hit me.

I hope this message can help as many people as possible know that this company will find any excuse not to ever fix your car and pay the least possible amount. There was a big piece of metal that doesn't fit under the car in the middle of the highway. This piece hit the center of my car and swerved to the right side of the car where I drove over it with both my tires. When I went out, my foglight was broken, the car was scratched from the front center to the right side and all the way to the back. When they went to inspect, they refused to fix the foglight because it looked "Dirty" and refused to fix the scratches because they looked "Dirty" and ended up paying only 106$ to change my tires that were used only 1 winter! They refuse to believe any damages were caused by that incident, basically telling me I'm a liar indirectly. Now I have to pay 450$ extra from my pocket to fix all these problems that were caused by the metal piece in the middle of the highway. They did nothing for me, didn't even compromise and asked me to return my rental car before my car even gets ready or marking the claim as complete. I didn't even get the 106$ yet! Now I have no car, no check from them, spending more on uber, waiting to figure out what will happen to my car after these damages. Don't use their insurance. Overpriced and won't cover you.

My car is a total loss. Took 3 weeks to tell me that then the money was supposed to be direct deposited in my bank, 6 days later still not there. Then they told me to get out of the rental, I said: not without the money to buy a car. Then they issued a cheque Wednesday, supposedly sent it by courier Thursday. It's now Tuesday of the next week, no money, nobody can give you tracking information. This company has awful employees and service. I won't be renewing. FYI the total is not my fault either.

In August we had a collision with a dear and we have a replacement value clause on our insurance contract. The car was not severally damaged but the airbags deployed. Intact took 1 month just to figure out if it was a total loss or not. After fiddling with the evaluation report (putting ridiculously low hourly rates) they managed to pass it as a repair. When I was contacted to recuperate the car I asked for the total costs and it totalled $27000 + $5000 for the courtesy car. Today they refuse to pay the rental company for the courtesy car and they are holding our deposit and after such a pricey repair on the car, it is now worthless (lost about $10000 of it's resell value). If you want replacement value, do not go with Intact, they will find any way of not replacing your car.

I was hit in a roundabout (low impact, front corner fender bent, not my fault). Intact over-estimated the repair, and undervalued the car (2005 Prius), to force a write-off on minor damage. Intact's estimate to repair was $1700 more than a competitive estimate to repair, by another certified insurance estimator. Intact refused to recognize the lower estimate. Both estimators confirmed the car was repairable. Intact insisted on writing my car off. I insisted on getting the basis of their evaluation of my car's value before I would sign my car over to them. All six quotes they had averaged were invalid: the cars had much more mileage (100,000 km more than mine), and/or were different years, and/or were not in the same area (one was over 500km away), sold more than 60 days previously, and prices had all been reduced by 8% than the asking prices for "presumed negotiation reduction" which had not happened. I know, because one quote was my own purchase of my own car a few months earlier (I had paid the asking price), and I called the rest of the contacts directly. As soon as Intact made their first write-off offer, they cancelled my rental car. Pushing back on their under-evaluation resulted in Intact increasing their payback to me by $1000 after 5 weeks of emails and phone calls. 9 months later my "written-off" car was found posted for sale again online, with a CLEAN accident report. Do not deal with this company. And do not trust clean accident reports when buying used cars.

A truck backed into me a month ago. I am insured two ways, so covered in the event of any collision. I was deemed 0% responsible for the accident - had my car deemed a total loss, then told I could not have a rental car as the fine print on the contract (which is nowhere on the client's contract by the way) states that as of the day they give you their (lowball) offer on your total loss vehicle, they no longer cover car rental fees. I was able to drive my car after the accident and did so until they told me that in order to prepare the check for the total loss, they had to be in possession of my car. So I had to let them tow away my car - with no rental and a wait to get my check. HOW THE HELL AM I SUPPOSED TO SHOP AROUND FOR ANOTHER CAR WITH NO RENTAL AND NO CHECK?? I pay for the F.A.Q 21a, which is supposed to cover my replacement fees (rental etc.) for up to 2125$ or 75$ a day. They refuse to honour my contract based on fine print details that I do not have anywhere on my contract. Did I mention that I was insured both ways and deemed 0% responsible for my accident? These guys are warped...