Intact Car Insurance Review: Our Honest Take for Canadians 2025
Our expert's review on Intact
I've looked closely at Intact's car insurance, and it's a truly comprehensive offering from Canada's largest provider. The structure is built around core plans, from mandatory liability to full comprehensive, but its real strength lies in the wide array of optional add-ons you can choose. Reimbursement ceilings are high, with liability protection up to $2 million available, and deductibles are adjustable, typically from $300 to over $1,000, to fit your budget. Intact also invests in prevention, most notably through its my Drive™ program, which rewards safe drivers with discounts up to 25%.
As Canada's market leader, Intact is positioned as a full-service insurer, where pricing reflects its extensive coverage, robust claims support, and strong digital tools.
This makes it an excellent choice for drivers who value technology, those wanting to bundle home and auto policies for major discounts, and specific profiles like students, retirees, or owners of electric vehicles.
Intact's reliability is anchored by its status as the country's largest insurer; while feedback on review platforms is mixed, averaging between 2.5 and 3.5 out of 5, the company makes a strong service promise: its 24/7 claims line guarantees a representative will start your claim within 30 minutes of your call.
- ✅Up to 25% telematics discount with my Drive™
- ✅Large home and auto bundle discounts
- ✅Extensive optional coverage choices
- ✅Guaranteed 30-minute claim start, 24/7
- ✅Excellent and user-friendly mobile app
- ✅Discounts for students, retirees, and EVs
- ✅Accident and minor conviction protection
- ❌Pricing often higher than budget insurers
- ❌Reports of premium increases at renewal
- ❌Some delays on complex claims reported
- ❌Ride-sharing use requires extra endorsement
- ❌Personal belongings not covered by default
Score- ✅Up to 25% telematics discount with my Drive™
- ✅Large home and auto bundle discounts
- ✅Extensive optional coverage choices
- ✅Guaranteed 30-minute claim start, 24/7
- ✅Excellent and user-friendly mobile app
- ✅Discounts for students, retirees, and EVs
- ✅Accident and minor conviction protection
Our expert's review on Intact
- ✅Up to 25% telematics discount with my Drive™
- ✅Large home and auto bundle discounts
- ✅Extensive optional coverage choices
- ✅Guaranteed 30-minute claim start, 24/7
- ✅Excellent and user-friendly mobile app
- ✅Discounts for students, retirees, and EVs
- ✅Accident and minor conviction protection
- ❌Pricing often higher than budget insurers
- ❌Reports of premium increases at renewal
- ❌Some delays on complex claims reported
- ❌Ride-sharing use requires extra endorsement
- ❌Personal belongings not covered by default
Score- ✅Up to 25% telematics discount with my Drive™
- ✅Large home and auto bundle discounts
- ✅Extensive optional coverage choices
- ✅Guaranteed 30-minute claim start, 24/7
- ✅Excellent and user-friendly mobile app
- ✅Discounts for students, retirees, and EVs
- ✅Accident and minor conviction protection
As Canada's market leader, Intact is positioned as a full-service insurer, where pricing reflects its extensive coverage, robust claims support, and strong digital tools.
This makes it an excellent choice for drivers who value technology, those wanting to bundle home and auto policies for major discounts, and specific profiles like students, retirees, or owners of electric vehicles.
Intact's reliability is anchored by its status as the country's largest insurer; while feedback on review platforms is mixed, averaging between 2.5 and 3.5 out of 5, the company makes a strong service promise: its 24/7 claims line guarantees a representative will start your claim within 30 minutes of your call.
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The Intact car insurance guarantees
Intact offers car insurance plans with core coverage that aligns with Canadian provincial requirements, including third party liability, accident benefits, and direct compensation for property damage.
Optional upgrades cover collision, comprehensive risks, all perils, specified perils, and a suite of add-ons such as roadside assistance, rental car protection, and telematics-based premium discounts.
Deductibles and coverage limits are flexible, with liability available up to $2 million and optional new car protection replacing vehicles at original value. Market advantages include a robust digital claims process, rapid claims response, and diverse endorsement options; however, limitations include uncommunicated maximum reimbursement values and exclusions for unendorsed risks or professional use.
While Intact’s coverage breadth, app services, and claims support match or exceed local market expectations, specific terms (e.g., reimbursement rates, ceilings) remain N.C. when not disclosed in official sources.
| Warranty name | Basic Plan / Mandatory | Full Coverage / Comprehensive | Optional Add-Ons (à la carte) |
|---|---|---|---|
| Formula positioning | Mandatory coverage | Comprehensive, extended options | Customizable add-ons |
| Type of cover | Third party liability, accident benefits | Third party, collision, comprehensive, all perils | Roadside, rental, telematics, family protection |
| Reimbursement rate (% of damages covered) | N.C. | N.C. | N.C. |
| Annual reimbursement ceiling (maximum amount) | N.C. | N.C. | N.C. |
| Policy excess (per claim and/or annually) | $300–$1,000+ per claim (province dependent) | $300–$1,000+ per claim (province dependent) | Varies per add-on or waiver |
| Waiting period (before certain guarantees take effect) | None unless stated in add-on | None unless stated in add-on | May apply for some add-ons |
| Minimum/maximum age for subscription | N.C. | N.C. | N.C. |
| Prior risk assessment (medical, telematics, history) | Driving history always required | Driving history always required | Telematics optional (my Drive™) |
| Payment facilities (monthly, quarterly, annual) | Monthly, annual options | Monthly, annual options | Monthly, annual options |
| Advance payment of claim-related costs | N.C. | N.C. | N.C. |
| Compensation at purchase/agreed/replacement value | Actual cash value unless endorsed | Replacement value with waiver of depreciation | N.C. |
| Third-party liability (bodily/property) | Up to $2 million, provincial minimums apply | Up to $2 million or more, customizable | N.C. |
| Own vehicle damage (collision, any fault) | ❌ | ✅ Included | May be excluded if not selected |
| Theft of vehicle (partial/total) | ❌ | ✅ Included in comprehensive | May be excluded if not selected |
| Fire (accidental or criminal) | ❌ | ✅ Included in comprehensive | May be excluded if not selected |
| Broken glass (windscreen, windows, sunroof) | ❌ | ✅ Included in comprehensive or as limited glass add-on | Add-on available |
| Natural disasters (hail, flood, storm) | ❌ | ✅ Included in comprehensive | Only as part of certain perils/add-ons |
| Acts of vandalism | ❌ | ✅ Included in comprehensive | N.C. |
| All-risks damage | ❌ | ✅ Included in all perils plans | N.C. |
| Driver personal injury cover (death, disability, medical) | ✅ Accident benefits included | ✅ Accident benefits included | N.C. |
| Passenger injury cover | ✅ Accident benefits included | ✅ Accident benefits included | N.C. |
| Criminal defence and recourse | N.C. | N.C. | N.C. |
| Extended legal protection | ❌ | ❌ | N.C. |
| Vehicle accessories and modifications | ❌ | N.C. (covered if OEM, otherwise endorsement required) | Endorsement available |
| Personal belongings inside the vehicle | ❌ | ❌ | Endorsement available |
| Child equipment (seats, pushchairs) | ❌ | ❌ | Endorsement available |
| Replacement vehicle (during repairs / after loss) | ❌ | ❌ | Plus Pac or add-on |
| Towing and roadside assistance | ❌ | ❌ | Optional add-on, Canada/US-wide |
| Use abroad | N.C. | N.C. | N.C. |
| Vehicle use for professional/business purposes | ❌ | ❌ | Endorsement required |
| Driving other vehicles | ❌ | ❌ | Rental car coverage by endorsement |
| Trailer or caravan towing cover | ❌ | ❌ | Endorsement required |
*NC = Not communicated by the insurer in the available sources.*
Good to know
Intact provides a user-friendly mobile app for policy management, digital proof of insurance, online quote and claims tracking, and offers paperless, 24/7 claims initiation. My Drive™ telematics can lower premiums by up to 25% for safe driving, and bundling discounts are among the most competitive in Canada.
Intact Car Insurance Exclusions
Intact systematically excludes coverage for intentional acts, criminal activities, or illegal use of the insured vehicle, as well as any damage arising from racing or speed tests. Mechanical or electrical breakdown and general wear and tear are also not covered, which aligns with most of the Canadian market.
Notably, losses that occur while the vehicle is driven by an unlicensed or specifically excluded driver, or while used for ride-sharing or delivery without adequate endorsement, are automatically denied. Additional exclusions apply if the vehicle is being rented or leased to others without proper policy modification. Intact also does not cover damages resulting from war, terrorism, or nuclear incidents, which, while industry standard, emphasizes the importance of thorough policy review.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | Use for illegal purposes, racing, or speed testsUse for ride-sharing/delivery without proper endorsementVehicle rented or leased to others without endorsement |
| Exclusions linked to the driver | Intentional damage or criminal actsUse by unlicensed or excluded driver |
| Technical exclusions | Mechanical or electrical breakdownWear and tear, rust, corrosion |
| Geographical exclusions | Damage from war, terrorism, or nuclear incidents |
| Contractual exclusions | Fraud or misrepresentationNon-disclosure of material facts |
| Other notable exclusions | Damage to personal belongings in the vehicle (unless specifically covered) |
The cost of Intact car insurance
Intact holds a mid-range to competitive position in the Canadian auto insurance landscape, combining solid digital services with a broad choice of customizable coverages and strong broker support.
Its plans feature standard deductibles and reimbursement ceilings but stand out for the depth of available add-ons—telematics discounts, rental and new car protections, and disappearing deductibles—often at an incremental premium.
Although Intact is not a pure digital player, its investment in digital quoting, claims processing, and mobile management tools enables pricing efficiencies that can rival direct insurers, particularly for digitally engaged, low-risk, and bundled customers.
Drivers demanding fully comprehensive packages will find Intact’s car insurance price slightly above the lowest market offers, reflecting the value of enhanced options and reliable after-sales support.
In summary, Intact is generally competitive for most profiles, especially when leveraging discounts, but customers prioritizing barebones economy or ultra-fast digital onboarding may still find lower entry prices elsewhere.
| Essential plan | Standard plan | Enhanced plan | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $135/month | $163/month | $188/month |
| Standard driver (35-45 years, intermediate vehicle) | $90/month | $112/month | $134/month |
| Senior driver (60-70 years, city car) | $80/month | $96/month | $108/month |
| Driver with an at-fault claim within 3 years | $155/month | $184/month | $225/month |
| New SUV driver | $107/month | $126/month | $152/month |
| Driver with more than 25,000km/year | $124/month | $141/month | $170/month |
Compare quotes from Intact and other insurers to ensure you secure the coverage you need at the most competitive price for your driver profile:
Compare the best car insurance plans for free!Start comparingIntact Car Insurance Discount Codes
| Promotional codes Intact | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
The reimbursement amount with Intact
| Claim or service | Average price (CA$) | Intact basic (liability only) | Intact standard (collision + comprehensive, highest ceiling) |
|---|---|---|---|
| Replacement after theft | $28,000 | ❌ | Up to actual cash value or new car value (with option, excluding excess) |
| Repair after at-fault accident | $4,500 | ❌ | Up to $4,500 (excluding excess) |
| Windshield replacement | $800 | ❌ | Up to $800 (excluding excess) |
| Emergency towing | $180 | ❌ | Up to $180 (excluding excess, with roadside assistance option) |
| Vandalism repair | $2,000 | ❌ | Up to $2,000 (excluding excess) |
Intact Car Insurance Assistance
Intact’s car insurance stands out for its optional roadside assistance add-on, which provides a full suite of emergency services, including towing to a repair facility, battery boost, lockout, fuel delivery, and flat tire change, available across Canada and the US. A replacement vehicle is accessible with the “Plus Pac” or alternate transportation endorsement, an advantage for clients who need mobility during repairs, but not automatically included.
Assistance begins from the insured’s location, with no mileage threshold, which is a strong point compared to some competitors that do not offer 0 km response. Coverage for alternative accommodation, assistance abroad, vehicle repatriation, help for electric vehicles, or for animals on board are not communicated as part of standard options. Legal assistance after an accident is not explicitly positioned as a defence service within Intact’s auto assistance package and should not be expected as a benefit.
| Support Intact | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Optional roadside assistance add-on covers Canada & US. Emergency support 24/7. |
| Towing to repair facility / Extended towing | ✅ | Provided via optional roadside assistance. Towed to nearest facility within limits. |
| Assistance from home (0 km) | ✅ | Response at home or anywhere your vehicle is immobilized. No mileage threshold. |
| Replacement vehicle | ✅ | Included with Plus Pac or alternate transportation add-on. Limit applies. |
| Alternative transport or accommodation | ❌ | N.C. |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ❌ | N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Battery boost and fuel delivery part of optional roadside assistance. Misfuelling: N.C. |
| Legal assistance after an accident | ❌ | N.C. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ✅ | Lockout service covered; key replacement: N.C. |
Emergency support 24/7.
Towed to nearest facility within limits.
No mileage threshold.
Limit applies.
Misfuelling: N.C.
Customer feedback on Intact car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 2.8 out of 5 (1,422 reviews) |
- ✅ A large base of customers appreciates the usability of the Intact digital app for claims and policy management.
- ✅ The broker network is cited as helpful and accessible for personalized service in many reviews.
- ✅ Some policyholders find the claims responsiveness to be efficient for straightforward cases.
- ✅ Telematics programs and bundling discounts are viewed positively for offering meaningful savings.
- ❌ Frequent premium increases, even for those with clean driving records, are a major source of dissatisfaction.
- ❌ There are regular complaints of long claims processing times and lack of updates for complex or high-value claims.
- ❌ Multiple reviewers mention unsatisfactory communication when attempting to resolve issues or policy changes.
- ❌ A proportion of clients state that coverage restrictions or exclusions were not always clear at sign-up, resulting in frustration at claims time.
How do I contact Intact?
| Customer service Intact | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Phone: 1-866-464-2424 (24/7) You may also contact your local broker—find one via the Intact website. |
| To report a claim | 1-866-464-2424 (24/7 claims line) Online via the Intact app. You will need your policy number, details of the incident, photos and supporting documents. Claims representatives typically start handling your file within 30 minutes of your call. |
| To request and track a refund | 1-866-464-2424 Have your policy and payment information on hand, plus proof of overpayment or documentation for claim reimbursement. Refunds are usually processed by direct deposit or cheque; typical timelines vary but are generally within 10–15 business days after approval and complete documentation. |
| To obtain an insurance certificate | 1-866-464-2424 Request via your broker, the Intact client portal, or the Intact app Certificates are issued by email or available for download on your client account. Digital insurance proof is accepted in most provinces, but you may also request a paper copy to be mailed to you. |
| To contact assistance | 1-866-464-2424 (24/7 for emergencies, roadside assistance if option selected, or general inquiries) Via the Intact app Your broker may also provide support during business hours. |
| To cancel my contract | 1-866-464-2424 or contact your insurance broker directly Written notice is required, with your policy information and requested car insurance cancellation date. Notice period is typically 14 days but may vary by province. Enclose your insurance certificate with the request, and complete any cancellation forms provided by Intact or your broker. Any refund is calculated on a short-rate or pro-rata basis and processed after confirmation. |
Phone: 1-866-464-2424 (24/7)
You may also contact your local broker—find one via the Intact website.
Online via the Intact app. You will need your policy number, details of the incident, photos and supporting documents. Claims representatives typically start handling your file within 30 minutes of your call.
Have your policy and payment information on hand, plus proof of overpayment or documentation for claim reimbursement. Refunds are usually processed by direct deposit or cheque; typical timelines vary but are generally within 10–15 business days after approval and complete documentation.
Request via your broker, the Intact client portal, or the Intact app
Certificates are issued by email or available for download on your client account. Digital insurance proof is accepted in most provinces, but you may also request a paper copy to be mailed to you.
Via the Intact app
Your broker may also provide support during business hours.
Written notice is required, with your policy information and requested car insurance cancellation date. Notice period is typically 14 days but may vary by province. Enclose your insurance certificate with the request, and complete any cancellation forms provided by Intact or your broker. Any refund is calculated on a short-rate or pro-rata basis and processed after confirmation.
FAQ
Do I have to pay in advance for repairs or assistance with Intact?
With Intact, if you use one of their approved repair shops or arranged towing services, payment is made directly by Intact to the partner garage or provider—no advance payment from you is required. If you select a non-approved provider, you may need to pay upfront and claim reimbursement. Always confirm with your claims representative for your specific situation.
How do I cancel my car insurance contract with Intact?
To cancel your Intact car insurance, contact your broker or Intact customer service, provide your policy details and written notice; a standard notice period of about 30 days is typical, and you may need to submit a signed cancellation request and proof of new insurance if required.
What discounts can I get with Intact car insurance?
Intact offers discounts for bundling home and auto policies, good driving behaviour via their my Drive™ program, winter tire installation (Ontario), multi-vehicle coverage, anti-theft devices, and for students or retirees. The actual amount and types of discounts vary by province and profile—check with Intact or your broker for eligibility.
How do I file a claim and what documents are needed?
You can file a claim with Intact 24/7 by phone at 1-866-464-2424, through the mobile app, or online. Most claims require your policy number, a description of the incident, photos of the damage, and a police report in the event of theft or accidents. Your claims adjuster will tell you exactly which documents to submit, depending on the claim type.
Does Intact offer roadside assistance and what does it include?
Roadside assistance is an optional add-on from Intact, covering towing, battery boost, fuel delivery, lockout services, and flat tire changes. The service is available Canada-wide (and in the US for some plans) and can be accessed by calling the claims line or via the app. Limits and specific benefits depend on the package you select when purchasing your policy.
Do I have to pay in advance for repairs or assistance with Intact?
With Intact, if you use one of their approved repair shops or arranged towing services, payment is made directly by Intact to the partner garage or provider—no advance payment from you is required. If you select a non-approved provider, you may need to pay upfront and claim reimbursement. Always confirm with your claims representative for your specific situation.
How do I cancel my car insurance contract with Intact?
To cancel your Intact car insurance, contact your broker or Intact customer service, provide your policy details and written notice; a standard notice period of about 30 days is typical, and you may need to submit a signed cancellation request and proof of new insurance if required.
What discounts can I get with Intact car insurance?
Intact offers discounts for bundling home and auto policies, good driving behaviour via their my Drive™ program, winter tire installation (Ontario), multi-vehicle coverage, anti-theft devices, and for students or retirees. The actual amount and types of discounts vary by province and profile—check with Intact or your broker for eligibility.
How do I file a claim and what documents are needed?
You can file a claim with Intact 24/7 by phone at 1-866-464-2424, through the mobile app, or online. Most claims require your policy number, a description of the incident, photos of the damage, and a police report in the event of theft or accidents. Your claims adjuster will tell you exactly which documents to submit, depending on the claim type.
Does Intact offer roadside assistance and what does it include?
Roadside assistance is an optional add-on from Intact, covering towing, battery boost, fuel delivery, lockout services, and flat tire changes. The service is available Canada-wide (and in the US for some plans) and can be accessed by calling the claims line or via the app. Limits and specific benefits depend on the package you select when purchasing your policy.
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