Intact Insurance Reviews 

We have been with intact insurance for at least 20 years. We have Home and auto insurance. This year we were hit with overhead water had flooding into my basement. We had a quonset ripped from the foundation and thrown into pine trees. They would not cover either. Do not use this insurance company. We were told a story by a manager and it started like you know if there’s a wind storm and a tree falls down and damages your house. It’s not the trees fault and yes, you can put that in quotes. We had companies as far as Calgary calling us to come up and take a look at our quonset. I guess there’s nobody up north in Alberta that can do these things. What a waste of money there. As it sits, there was so much fighting on both ends ours and theirs we wanted our basement fixed. It had poop water that came in. I had extended optional coverage, but I guess that wasn’t enough we had our home covered to the max for all these years. This is our first two claims with them and they refused to help. I just want all of you to realize being out in rural Alberta that when your pipes are full and it’s backing up into your home, we had no water use. We had no septic use. I want all of you to think about being in that position before you ever think of using Intact insurance. They are the worst and their costly, especially when they don’t help with the claims that we pay them for. Unfortunately, I had to give them a one star because there’s no other option to give them a zero star, actually negative zeros. So choose wisely with your insurance. At my age, I should’ve had immediate response when I had no water in my home and I had no septic this company is disgusting to say the least.

I am a victim of a hit and run accident with my car, I am currently waiting on a pay out from Intact insurance for my auto claim Total loss of my vehicle.

Customer service has been poor at best. I have now been told to wait half a week before I can speak with the claims adjuster working on my file again and in the meantime i must pay the cost of my current rental car while I wait for my pay out in order to buy a car.

I have also been told, Intact will no longer pay for my rental vehicle- to get to and from work because I declined their first (Unfair) offer. I cannot purchase my next vehicle, until i receive my pay out.. I asked to speak with a supervisor this past Friday by phone, I was told Intact Insurance does not hire or have a supervisor and or manager working above the customer care employee i spoke with??? I am in complete limbo and need to purchase a vehicle and have no idea when I will now get a call back, let alone receive my compensation money for my total loss vehicle.

Very shady company. There are plenty of other insurance companies you can go with, but intact/ belair is not it. I got an online quote that was several hundred dollars cheaper, so I called to lock it in, and suddenly the price jumped. The rep on the phone also had a very strange attitude.
What makes it even worse is that they partner with BrokerLink, and if you don’t like the new quote, they’ll push you to go through BrokerLink instead.

STAY AWAY from INTACT. They are nothing but THIEFS! RATED 0 , insurance denials, deceit & demons! Said wind & windstorms were not included under home insurance in Newfoundland. Deceiptful & deceptive. No honesty with IT. Put a tracker on Cassie

This is the WORST COMPANY I HAVE EVER DEALT WITH. They act like they are doing you a favour by helping. They take forever to do ANYTHING. They own onside ( restoration company) so everything they do for you is in Intacts interest. Low ball property claims, shoddy work, very poor customer service and communication.

I only gave intact 1 star because I couldn't give negative stars! They are not only the worst insurance company I've ever dealt with, they are the worst company I've ever dealt with. Period! I wish to hell I'd looked at these reviews before signing on with them many years ago! I won't elaborate on my experience with them, because I would be writing a book, but I'll tell you that they lowball on car repairs after collision, and force you to pay out of pocket if you want good repairs completed. Otherwise you get their preferred shop which does crap work in order to have costs covered! The best move i ever made was canceling policies on my vehicle, and 2 homes,,,now they are losing 7k per year in premiums from me, and I get far better coverage elsewhere at a better price!

The burglary at our house occurred on March 21, 2026. Despite providing all the information and material intact required, it took them two months to repair the two broken windows. In the meantime, access to our house through the two broken windows was easily available.
We were advised by Intact that our claim for stolen jewellery had to be processed by them obtaining and appraisal of the value. The appraisal was obtained 2 1/2 months ago. Despite five or six emails to the adjuster and five or six voice messages to the adjuster, simply requesting the status of when we would receive payment as the appraisal had been done. We never received a reply back. I subsequently followed up with the escalation department on three occasions. The first time I would told me that a person would call me back at 2:00 PM. No call was received. The next two times I called. I was advised that I would receive a call back within the next 24 hours and no phone call was received.
I just spoke to the manager and explained our frustration, and the only resolution that was provided was that she would speak to the adjuster and find out why there was a delay, but would not get back in touch with me with a further explanation. Many times I was told that because of a recent influx of claims due to flooding in other areas that that was the reason for the delay; however, that does not explain not receiving a reply for two months.

This company ARE FRAUDSTERS , simply put!

I am (72) and was a Broker in my life and it’s true that insurance companies are only interested in premium collection NOT CLAIMS payment. I have a tenant claim less than $15,000 and it has been 56 days of endless refundant paperwork with (3) different Adjudters and I am advised another (30) days must pass before a final “ position paper” will be directed to me. I am sure it will be filled with denials before payment is recieved, if it is ever received!

As anticipated, as soon as I filrd a claim, Intact demanded Full payment up front for my current policy moving forward!! I was paying monthly untilI filed the claim. Secondly , they finally, without clear or logical explanation , denied the claim and advised that coversge was being terminated retroactive to the issuance of the policy!

They fabricated an Internal Review option available to consimers but this is simply a delay tactic and Public relations gesture to support fraudulant conduct.

The harsh reality is the provincial regulatory body AMF have absolutely no authority to overturn a decision made by an Insurance company and award damages.
It’s a hoax!!!!! Federal Consumer snd Corporate Affairs and elected officials purportedly in place to protect the legal rights of the Consumer, do not and cannot by statute, overturn a decision made internally here by Intact.

Clear Fraud by INTACT can only be remedied by the courts!

Legal Action appears to be the only option to Right a Wrong. I surd the Bastards!

James Francis Regan
117-3015 rue Sherbrooke O
Montreal, QC, H3Z1A1

When it comes to insurance , this has been the worst experience of my entire life. I have a accident & health policy due to my job. my Sr. Claims Representative is Stacy Seiber-Travis. My accident happened 03-11-2026 on the job and I was no way at fault and my claims rep is fully aware of this as well as the company I contracted with.
I am under doctors care for multiple injuries and have sumitted multiple forms by email and so has my doctors. I have been fighting since my accident and signed releases for my doctor records to recieve benefits and only gotten 1750. The rep is slow to respond about anything and when she does she seems to have an additude. If this didnt affect my family I wouldnt worry about it.
They took my money for the policy with no problem. Im losing evething I own and behind on bills . I understand they cant feel or dont care how I feel which is clear. This is not a ethical way to do business.What is the point of having insurance that wont payout? If you need insurance please avoid this company .You will just end up having a heart attack from the stress, lose everythimg and still wont get paid.

If I could give less than one star, I would. This has been the worst insurance company I’ve ever dealt with. Not only was it the most expensive home insurance policy I’ve ever had, but when I experienced a water leak and filed my very first claim, they refused to cover the damage. To make matters worse, after I had been a loyal customer for several years, they cancelled my policy.

The entire experience was incredibly frustrating and stressful for my family, leaving us in a very difficult situation when we needed support the most. Insurance is supposed to provide peace of mind, but this company did the exact opposite.

I rarely leave negative reviews, but I felt compelled to share my experience so others don’t have to go through what my family did. Based on my experience, I would strongly recommend avoiding this company.

I submitted a claim, for my roof to get repair after the winter when I noticed that there was leaks in the living room and kitchen. The company said that "Discontinued shingles were used on the roof and poor workmanship." Keep in mind we buy the house with the roof was already completed. So the company s saying it my fault so they are not processing my claimed.

Same old insurance from RSA but now renamed as "intact insurance” not a trust brand . Cs is non existent and they mislead consumers to denie payments.

I have been a customer for many years. Recently my policy came up for renewal. I was not notified ahead of time
of a rate increase of appointment $50.a month. I found out only when they took the payment out of my bank account. When I advised them that I was going to cancel my policy and go elsewhere, they said there would be a SUNSTANTIAL penalty, to be paid which would make it not worth my while to Change companies because I didn’t cancel before the first payment came out. I took them I didn’t know of the rate increase before the first payment came out, because they didn’t notify me. They said too bad. We will not waive the cancellation fee. Leaving me stuck with them for another year. This company has no regard for their clients. They’re in it for your money. You can pay and pay and pay for years, the only time you know what your insurance company will do for you is when you have a problem. I found out what INTACT will do for you………..NOTHING. My advice. Steer clear

WORST INSURANCE !!!!
I’d rate 0 stars. Intact insurance is a waste of money and TIME. I’d rather try to explain what a rainbow is to a blind person than have to call this company again. You call them and you’ll be put on hold every single time u ask a question and every person u speak too will tell you something different. It’s been 3 weeks since my accident and I’ve been calling almost everyday about my update and what to do next and today I was told my adjuster went on vacation and won’t be back for 2 weeks and didn’t think to inform me or move my claim to someone else. 3 weeks with a broken car with zero updates. Also was told I have to pay a deductible when my policy says $0 when not at fault. Never been in an accident before getting hit by someone else and this has been a nightmare with them!

I have been insured with Intact for six years without a claim. I have two vehicles on my policy. I was previously paying $2400 per year, this year I was sent paperwork to fill out for them. I reached out to my broker and with her help, filled out the forms. I then received a registered letter from intact advising that because I didn’t send the paperwork back to them,they were not renewing my policy. When I called my broker to discuss this, I was told it was due to a speeding ticket (which was two years ago and I forgot about). Needless to say I will never deal with intact or my broker again.

Never go through them,
I claimed for my losses straight, but it was never helpful. They underestimated my vehicle's damage and did not accept what I was actually quoted by my local dealer.
They promised to pay for the courtesy vehicle on the phone but never paid for it.
They were also very rude and unprofessional, I had emailed them about their poor service and never received any reply.

Do not trust them, always go though solicitors for your losses.
If you go through them you will regret

Woefully long time taken to resolve a claim ...no communication from company

They refused to pay my insurance even their client was in fault with proof of dashcam. Honestly I don't know what they think they are doing.

⁸They are receiving one start only because there is no option to not leave a star!

Customer service is awful! They do not answer the phone! Stick with your local broker! Currently on hold for ONE HOUR and..... still waiting!

I have been a client for 20 years and got a notice today that they would not be renewing my insurance next month. The reason they gave me was for 1 at fault accident which I did put in a claim for. I this is disgusting to just throw away a 20 year loyal customer. If I never have a claim you are willing to keep my money. Every year my insurance goes up because I live beside a round about in Kitchener. I pay more now then people that live in Toronto. Awful service. Would never recommend anyone to deal with them.