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Intact Auto Insurance Review

Intact's Rating
  • Financial Strength
  • Services Offered
  • Customer Service
  • Insurance Rates
4.3

Carsurance Verdict:

Intact insurance products are reasonably priced, available in all 10 provinces of Canada, and come with a 30-minute claims handling guarantee. However, its customer service is not the best. But if you can live with that, it’s definitely worth a shot.  

Pros

  • Reasonably priced
  • Turo insurance
  • Good for safe drivers
  • Available nationwide

Cons

  • Average customer service
  • Lack of variety in optional coverages
  • The competition offers more discounts

Intact Insurance is Canada’s largest home, auto, and business insurance company. Headquartered in Toronto and operating in all 10 provinces, Intact has more than 400 million customers across the country. It’s a part of Intact Financial Corporation, which is one of Canada’s oldest companies, with roots dating back all the way to 1809.

There are many Intact insurance reviews online, and we checked each one of them, as well as the latest data and ratings released by the industry experts. That’s why this review is the ultimate reference that’ll help you decide whether Intact insurance is right for you.

Product Overview and Features

Intact operates throughout Canada and comes across as a reasonably affordable auto insurer with several aces up its sleeve. Here’s a short overview of them:

Intact Service Center

Thanks to Intact’s Rely Network of certified repair shops, now managing your eligible auto claim repair is easy, quick, and super convenient. The company guarantees repairs provided that you own the vehicle.

30-Minute Claims Guarantee

Intact insurance claims reviews confirm that the insurer promises to act on your claim request within 30 minutes of receiving it. If that doesn’t happen, Intact will pay you the full annual premium amount or $1000, whichever is less.

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

Thinking of purchasing a hybrid or electric vehicle? Well, if you live in Quebec, you might want to turn to Intact for your auto insurance needs, since it rewards you for making a “green” choice.

In our Intact insurance review, we found that the insurer offers a free one-year membership to AVEQ to all Quebec residents who purchase its insurance for their hybrid or electric vehicle (EV). An AVEQ membership, in turn, gives you access to some amazing offers, including discounts on EV rentals and purchases, as well as EV charging stations.

Website & App

Pleasing to the eye and intuitively designed, Intact’s website displays information relevant to your location in Canada. Navigating and using it is a cinch. Its app, which allows you to access your insurance information from anywhere anytime, is pretty good too. It enjoys a high rating of 4.4 in the App store and a respectable score of 3.2 in the Google Play store.

Signature Feature – Turo Insurance

Intact insurance reviews for Canada show that the company offers protection plans for Turo car-sharing services. Turo is a peer-to-peer rental service, which allows you to decide to whom you rent your car and when. Turo makes it easier for you to monetize your car’s idle time.

Turo commercial insurance provides coverage while you’re dropping your car off to the renter and during the rental period. When you use your car for personal use, your personal Intact car insurance policy will keep you protected.  

Financial Strength

Being Canada’s largest auto insurer, Intact has an excellent financial standing, which is well-reflected in its financial strength rating of A+ (Superior) by A. M. Best. This basically means you can count on Intact to keep its end of the bargain when you file a claim.   

Types of Insurance

Intact offers coverages that are standard in the Canadian auto insurance industry: third-party liability insurance, accident benefits, direct compensation property damage (DCPD), and uninsured automobile coverage. It also provides several optional coverages, although most Intact insurance reviews show that several of its competitors, like The Co-operators, offer more choices.

Collision or Upset

This option pays for any losses you incur due to an accident, a collision with a stationary object such as a guardrail, or rolling your car over.

All Perils Other than Collision or Upset

It provides an “all-risks” protection for damages from perils other than collision or upset, such as theft, vandalism, fire, windstorm, flood, etc. This coverage is also known as comprehensive coverage.

Specific Perils

This option reimburses you for any losses resulting from events pre-defined in your auto insurance policy, such as lightning, fire, or theft.

Good Record Protection

Many Canadian auto insurers offer accident forgiveness, but—as many Intact insurance reviews point out—few are as generous as Intact or provide it for free.

Intact not only offers accident forgiveness free of cost but also forgives you not once but twice — treating your first two at-fault accidents like they never happened. In other words, there will be no increase in your premium as a direct result of your first two at-fault accidents.

Roadside Assistance

When you’re stranded on the road, Intact is there for you 24/7. Its roadside assistance includes towing, battery boosting, tire changing, door unlocking, winching, and fuel delivery services. This additional coverage entitles you to up to four service calls a year. To get help, all you have to do is dial the Intact insurance phone number: 1-844-428-2020.

Minor Conviction Protection

Do you worry about how a minor conviction, like a speeding ticket or improper lane change, could affect your insurance premium? Well, Intact has you covered if you live in Ontario. It offers minor conviction protection for less than $5 per month. When you add this protection to your plan, your first minor conviction will have no impact whatsoever on your premium.  

Uber Ridesharing

Intact offers a commercial insurance policy for all Uber drivers. It covers you from the moment you log into the Uber app until the passengers exit your vehicle.

When you use your car for personal purposes, you will remain protected under your personal Intact auto insurance policy at no extra cost.

Uber Eats

All Uber Eats drivers in Nova Scotia are covered under a commercial policy from Intact, which provides coverage from the moment you accept an Uber Eats delivery until you deliver the food.

If you have personal auto insurance from Intact, you will remain protected under it at no extra cost when you use the vehicle for personal use.

Customer Service

Intact insurance customer reviews are a mixed bag. In the 2019 J.D. Power Canadian regional rankings, the company gets solid four stars in the Atlantic region.

However, in the Alberta region Intact achieved only two stars. The things are a bit better in the Ontario and Quebec regions, where Intact achieved three stars.

The Better Business Bureau (BBB) analyzes how a business interacts with its customers. It gives a better-than-average rating (B+) to Intact.

However, InsurEye, an independent auto insurance review website, gives Intact Insurance a poor rating: 1.5 stars out of 5. That said, a low score on these kinds of online platforms is not atypical for a business of its size. It shows that consumers are more likely to take time out of their busy schedules to write a negative review of Intact’s customer service or app than a positive one.

Discounts

When it comes to offering discounts, Intact is not as accommodating as some of its competitors. It only offers the following three discounts:

My Driving Discount

The Intact My Driving discount program rewards you for driving safely and can lower your premium by as much as 30%. You can save up to 10% by just enrolling in the program when you purchase your auto insurance. If you want to a bigger discount, you’ll have to earn it by proving you’re a good driver.

Intact calculates your safety score taking into account your performance on parameters such as distracted driving, rapid acceleration, hard braking, speeding, and risky driving hours.

You can check your safety score on the Intact insurance app, which also provides feedback to help you improve. Your discount gets updated every six months, depending on how safely you drive.

Bundle Discount

While conducting research for this Intact car insurance review, we found that the company rewards you if you combine home insurance and auto insurance together. You can save up to 15% on your home insurance by bundling these.

Electric or Hybrid Vehicle Discount

Do you want to do your bit for the environment by driving a hybrid or an all-electric vehicle? If yes, consider Intact for auto insurance. It offers up to a 20% discount on electric and hybrid vehicles.

Intact Insurance Rates

To verify the rates, we got an Intact car insurance quote. Our reference location was Calgary, Alberta, and our reference driver was a 40-year-old male with a clean driving record.

Intact Auto Insurance Premiums Compared to Main Competitors

A full-coverage quote for a Honda Civic Sedan SE averaging 15,000 miles a year was $162. We found that this fell somewhere in the middle of the price spectrum. Intact’s premium was almost 20% higher than Desjardins,  the cheapest insurance provider in Calgary, and roughly 28% less than the most expensive option—The Co-operators.

While not the cheapest, intact offers you a pretty good deal, especially if you can take advantage of its My Driving discount program.

Intact Auto Insurance Compared to Its Top Competitors

Intact vs. The Co-operators

The Co-operators beats Intact insurance hands down on customer satisfaction, according to J.D. Power’s 2019 study for Canada. It also offers more coverage options, compared to Intact.

However, the latter will appeal more to price-conscious buyers, as it’s considerably cheaper. What’s more, it also has a couple of discount programs running, which can help you lower your yearly Intact insurance payment further. In contrast, The Co-operators doesn’t give individual consumers any discounts. All its discount programs are for its group auto insurance customers.

Furthermore, Intact—with its A+ credit rating on the A. M. Best index—boasts of a better financial strength than The Co-operators, which could manage only an “A–.”

Intact vs. Desjardins

Desjardins auto insurance is cheaper than Intact. It also offers more discounts and coverage options. However, Desjardins can’t match Intact in the customer satisfaction department. 

That’s why in our Intact insurance review we recommend this Canadian auto insurer to all people who don’t mind paying a little extra for reliable customer service. Still, we suggest you get quotes from both providers and only then decide which one is better for you.

Intact vs. Aviva

Aviva offers more optional coverage plans than Intact, but its customer service record is spotty. Intact definitely performs better in this department.

Intact also performs a little better in the financial strength department. A. M. Best gave it the second-highest rating of A+, while Aviva could score only an A.

While comparing these two providers for our Intact insurance review, we found that both offer some unique benefits. However, if poor customer service is something that ticks you off, we recommend you stick with Intact. Although its customer service isn’t the best in the business, it’s still pretty good and far better than what Aviva offers.

Best Alternatives

Some people don’t like to settle for anything less than the very best customer service. If that sounds like you, consider trying the Co-operators auto insurance instead of Intact, whose customer service is just a little above average. With a J.D. Power score of five, its customer service is as good as it gets. 

Another worthy alternative is the Personal. It excels in the customer service department and its cheaper than Intact too. However, the Personal is available only to the employees of the associated companies.

Our Expert Verdict – Recommended

Intact’s rates are quite reasonable, and its financial standing is second to none. It also rewards you for driving safely and promises quick action when you file a claim. In addition, Intact insurance company is one of the few Canadian auto insurers that boast a sleek, user-friendly website and a reasonably good mobile app. And if you want to rent your car through Turo, it’s hard to look past Intact. Between Turo’s insurance and your Intact insurance, you’ll be protected all the time. However, on the downside, its customer service is just about average, with J.D. Power giving Intact Insurance an overall rating of 3.0

All in all, Intact has much going for it and is undoubtedly an appealing option for all drivers.  

Frequently Asked Questions

Does Intact have accident forgiveness?

Yes, it does. As a matter of fact, its accident forgiveness is better than most auto insurers. Intact forgives you not once but twice, meaning there will be no increase in your premium as a direct result of your first two at-fault accidents. 

How do I contact Intact insurance?

The Intact insurance customer service number to dial for quotes is 1-855-388-5505. For emergencies, you can call 1-866-464-2424 or 1-888-488-4140. If you want to find an Intact insurance office near you, visit this page

Is Intact insurance a Canadian company?

Yes, it is. In fact, Intact is Canada’s largest home, auto, and business insurance company, protecting more than 400 million consumers coast to coast. It’s owned and backed by the Intact Financial Group.

Does Intact car insurance cover rental cars?

Usually, your existing policy automatically extends accident benefits and third-party liability coverage to the rental vehicle. The coverage limits remain the same as on your car insurance. Intact auto insurance reviews show that you have to be the named insured to have coverage on rental, but the best thing would be to check with Intact before you rent a car.

What is the best insurance company in Canada?

There’s no one-size-fits-all answer to this question simply because auto insurance needs vary from one driver to another. While not the cheapest, Intact insurance plans are reasonably priced. You can reduce your premiums further via the My Driving discount offer by proving that you’re a good driver.

That said, if cost is the most important buying factor for you, Personal Insurance might offer you a better deal than Intact auto insurance. Personal insurance premiums are dirt cheap and its customer service is excellent. However, this insurer provides coverage only to its associated companies. Nevertheless, since there are more than 700 such Canadian organizations, there’s a good chance that you might qualify for their insurance. If you do, you might be in for a treat.

Another insurer that outshines Intact car insurance in customer service is the Co-operators insurance. The interesting thing about this insurer is that it offers investment services along with auto insurance. If you’re someone who likes to bundle services with one provider, Co-operators could be a good choice. Of course, using only their car insurance is perfectly fine too, especially considering their affordable rates and top-of-the-line customer service.

While Intact is not as good as Personnel or Co-operator in the customer service department, to its credit and as evident in various Intact insurance reviews, it is pretty good at handling claim requests quickly and efficiently. Intact’s financial standing is also solid as a rock, and unlike others, it provides Turo insurance to all those who want to turn their park time into paid time.

Sushant Mehta

Sushant Mehta is an auto insurance specialist and a contributor at Carsurance.net. He has a keen interest in insurance, tech, and finance, and he’s been covering these topics for several years now. When he’s not working, he likes to escape to the lower Himalayas with a book or two to keep him company.

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