Toronto, Ontario Insurance Agency Guide
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Intact Insurance

Updated 2026-07-24 · 1,697 reviewed · 415 listed · Scored from 134 Google reviews · How we rank ›

2.1(134) 51 composite score See reviews on Google ✓ Google-verified Publishes prices
Auto InsuranceHome & Property InsuranceLife InsuranceBusiness & Commercial InsuranceHealth & Travel InsuranceBilingual / Multilingual Service
Intact Insurance
Services
Auto Insurance, Home & Property Insurance, Life Insurance
Reviews
134

What recent reviews say

Intact Insurance attracts heavy criticism for slow claims handling, unresponsive staff, and aggressive claim denials, with reviewers citing damage misclassification as wear-and-tear and assessors incentivized to reject coverage. Two-star average across 134 reviews reflects rare positive experiences (stellar adjuster service, fast home claim handling) buried under consistent complaints of no accountability, policy changes without notice, and long payment delays that forced customers to juggle multiple vehicle payments.

Praised for
  • fast claims handling when it works
  • professional service on rare positive claims
Watch-outs
  • slow or unresponsive claims process
  • denial of valid claims; damage classified as wear-and-tear
  • phone staff rude and lack accountability
  • policy changes without customer consent
  • misleading online quotes
  • high fees and charges
  • long wait times for callbacks
  • poor payout speed on total losses
slow-claims-processclaim-deniedhard-to-reachpoor-communicationoverpricedpushy-sales
Think twice if: Customers should consider alternatives; reviews report claim denials, unresponsive staff, and poor payout speed on major losses.

Worth knowing

  • Assessors allegedly paid partly on claim-denial performance
  • Phone staff lack employee numbers and accountability
  • Company named Bélair insurance as a subsidiary
  • Adjuster Jeannie praised for home flood claim speed
  • Total loss on 2014 Hyundai Santa Fe delayed payout while customer carried dual car payments

What reviews say by service

Auto Insurance
Reviewers report claim denials, misclassified damage, delayed payouts on total losses, and rude phone staff.
Home & Property Insurance
One positive experience with fast adjuster response; most claims feedback tied to auto incidents.
Business & Commercial Insurance
No clear review evidence.
Health & Travel Insurance
No clear review evidence.
Life Insurance
No clear review evidence.
Bilingual / Multilingual Service
No clear review evidence.

How it compares

  • Rated 2.1 against a 4.08 average across the 263 auto insurance businesses listed here.
  • Has more Google reviews than 83% of the businesses in this directory.

How we scored this

Ranking Method
Star rating 0
Review volume 92
Review recency 100
Review sentiment 23
Profile completeness 100
Verification 30

Rating breakdown

5
27
4
8
3
5
2
4
1
90

Common questions

Can I pay monthly for auto insurance?
Online quotes may show monthly payment options, but reviewers report being told at sign-up that full payment upfront is required, contradicting the online quote.
How long does a claim typically take?
Reviewers report wait times of 6+ days for initial contact and weeks to months for claim resolution and payout, especially on total losses.
What coverage areas does Intact serve?
Their website lists Ontario, Canada as a service area.

Similar insurance agency nearby

The Co-operators
47 low data

The Co-operators

2.8(4)✓ Google-verified

Loyal customers value the brand and group rates, but newer or price-conscious reviewers report climbing premiums with weak explanations and staff who lack depth. Service is fast when reachable, yet complaint resolution often requires double-checking.

Auto Insurance
Aviva Canada
53

Aviva Canada

2.0(115)✓ Google-verified

Most reviewers report unresponsive customer service, claim denials they see as unfair, and rate increases they find punitive. A small number praise their individual broker or adjuster for quick problem-solving; one long-term customer with two claims resolved within hours credits staff member Siamara and adjuster Shelley for professionalism, while another credits Gillian Dronyk's careful handling of a car accident claim. Problems center on inaccessible claims teams, repeated requests for the same information, and rejection of claims on older vehicles citing corrosion without visible damage. The telematics app penalizes drivers heavily for not recording every trip. One customer saw premiums jump from $136 to $575 monthly after buying an EV. Website states they hold Great Place to Work and 5-Star Claims certifications; the review evidence does not align.

Auto InsuranceHome & Property InsuranceLife Insurance

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Last updated 2026-07-24