Is Intact car insurance right for you? Review 2024

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Alexandre Desoutter updated on 27 March 2024

If you're on the hunt for car insurance in Canada, Intact Car Insurance is worth a look.

In this review, we look at everything you need to know about Intact Car Insurance: coverage options, discounts, costs, how to get a quote, and also how to save up to 25% on your premium.

You can use our free tool to compare car insurance quotes from Canada's best providers so you can decide if Intact Car Insurance is truly the best choice for you, or if there's another policy that suits you better.

Intact car insurance: 5 Key takeaways

  1. Intact recently acquired RSA Canada, one of the leading general insurance providers.
  2. Intact has a strong financial rating of A+ from various independent agencies
  3. Offers innovative insurance products including usage-based and other telematics-based services.
  4. Intact supports sustainability initiatives by setting targets for reducing greenhouse gas emissions.
  5. You can save up to 15% by bundling your Car and Home insurance policies

Our 2024 review of Intact Car Insurance

Intact Insurance Specialty Solutions was founded in 2001 and with two decades of experience in the insurance industry, it understands its customers’ needs. Intact provides a wide range of products and services under two primary categories:

  • Vehicle insurance which provides coverage for car, motorcycle, RV, ATV, boat and snowmobile
  • Home insurance which provides coverage for houses, cottages, home-based businesses, condos, tenants, and rented-dwelling

With close to 1,400 employees, Intact Insurance works with a wide network of independent agents to help clients with personalized solutions.

Pros of Intact car insurance

  • Offers 24/7 customer service
  • Coverage for classic and antique automobiles
  • Multiple discount options
  • Option to add teenager as an occasional driver to the policy
  • Save up to 15% by bundling car and home insurance
  • 2,000 broker relationships across Canada
  • No premium increase for two at-fault losses in 5 years
  • Save up to 25%* off your car insurance premium with my Driving Discount®

Cons of Intact car insurance

  • High Premium rates
  • Long responsive time as per intact car insurance reviews online

If you think Intact is the right choice for you, you can get a personalized Intact Car Insurance quote right here in a few quick steps.

Before going with Intact car insurance, make sure to compare all the best auto insurers currently on the market using our free comparison tool below.

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How to get an Intact car insurance quote online?

You could use our tool above to get a quote or also visit their website where you will get several sections that provide the ‘Book a Quote’ button like this:

intact quote button

Once you click on that button you will be asked to fill out some information such as details of your car’s model, its usage history, a few information about your driving license and any previously existing insurance policy. Based on these, you will receive your quote. 

What does Intact car insurance cover?

Intact Car Insurance offers customized coverage options tailored to your specific needs. They include:

  • Bodily Injury and Property Damage Coverage in case you are liable for any damage caused due to your car accident
  • Direct Compensation Property Damage Coverage in case your vehicle is damaged due to another driver’s fault
  • Statutory Accident Benefits Coverage in case anyone is affected by an accident, irrespective of liability
  • Uninsured Automobile Coverage in case you are injured and the other driver does not have insurance, as well as if you are unable to identify the driver
  • (Optional) Physical Damage in case of various levels of physical damage

While Intact Car Insurance provides a range of solutions it is the coverage policy of classic and antique cars that stands out. However, each category has some specific criteria that must be met.

Criteria for classic car coverage:

  • It is between 15 and 30 years old
  • It is considered collector’s items
  • It hasn’t been modified from the original specifications
  • Granted up-to-date safety approval
  • Valued at less than $68,092.50

Criteria for antique automobiles:

  • More than 30 years old
  • Only driven in parades and exhibitions
  • Issued Historic Value license plates
  • Same as the ones for the Classic car

You could benefit from certain special offers such as:

  • Collision coverage.
  • 5% claims-free renewal discount if the condition has remained unchanged in the past 5 years.
  • Additional 5% discount if combined with home policies.

How much does Intact car insurance cost?

Intact car insurance policies depend on your needs. The price you will be charged will be based on your requirements.

You can get a personalized quote from Intact Car Insurance for free right now.

Intact also offers combined car and home policies

All the requirements regarding car insurance remain the same and you have to add a few more about your home such as if it is a rental and how long have you been staying in it. You might also be asked some specificities such as if your home has a garage and the square feet measurement.

Let's have a look at some examples of Intact car insurance quotes:

AgeGenderCar modelInsurance typerAmount
Female2022 BMW 330e 4DRCar Insurance459.05 CAD
Female2005 HYUNDAIACCENT 5 5DRCar Insurance189.98 CAD
Male2019 Chevrolet Blazer 4DR 2WD
[Home: 2,200 sq ft or 204.39 sq.m]
Home and Car Insurance714.07 CAD
Examples of Intact car insurance prices

To purchase the best car insurance for the most affordable premium, compare offers using our free tool below.

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How can you save with Intact Car Insurance?

Intact offers some interesting discounts to help you get cheaper premiums. Let's take a look. Here are some of the offers that can help you get a discount:

  • Insure multiple vehicles with Intact Insurance: Bundle insurance for cars, motorcycles, ATVs, etc., for a discount.
  • Equip your vehicle with an anti-theft system: This can lower your risk of theft claims and reduce premiums.
  • Take care of your credit score: A good credit rating could mean discounts on your auto insurance premium.
  • Get a more affordable vehicle to insure: Secondhand cars often have lower insurance rates than brand-new models.
  • Enrol in my Drive™: Access a personalized premium based on your driving habits with potential rewards for safe driving.
  • Drive an electric vehicle: Owning an electric or hybrid vehicle could net you up to a 20% discount on your insurance with Intact Insurance.
  • Choose a higher deductible: Increase your deductible to lower your monthly insurance rates.
  • Bundle home and car insurance: Get up to 15% off by bundling policies with Intact

Save up to 25%*

Intact offers a special program called my Driving Discount®. It is a program that rewards good driving behaviour based on your driving habits. Through this program, you could save up to 25%* off your car insurance premium. When you sign up for my Drive, your insurance premium will be personalized according to three main factors: speed, focus and smoothness. You can enroll in 3 easy steps. Get a car insurance quote, download the Intact Insurance app for Android or iOS and activate my Drive.

How can you cancel your Intact car insurance policy?

When you sign up for your Intact car insurance you will be assigned to a broker who will guide you through everything. To cancel your Intact car insurance policy, the same logic applies. You can get in touch with your broker who will advise you about the process.

Good to know

No cancellation fee is applied with Intact car insurance.

How to contact Intact car insurance?

It's easy to contact Intact about your car insurance. Here's how:

  1. Get an immediate response on the Intact car insurance phone number 1-866-464-2424
  2. Submit a claim online on their Claim Hub portal where you can also track your claim

How to change your address on car insurance?

While Intact does not have an option on its website, they assist you in the process. You can seek help by registering for online services or get in touch with your broker who guides you through a step-by-step process. 

Want to see how Intact car insurance compares to other leading providers in Canada? It's fast and easy to compare insurance quotes.

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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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