Why did my online quote change when I called to buy?

Multiple reviewers report quotes increasing by $100 or more between online estimate and phone application, with no clear explanation. One customer's quote jumped from $160 to $255 after answering savings questions.

How long do claims typically take?

Several reviewers report claims taking months to resolve. One claim stalled over one year; another took 3+ months for repairs approval, with adjuster avoiding calls.

Will charges stop if I cancel my policy?

One customer was billed for months after cancelling their policy through both the company and their broker, suggesting billing systems may not process cancellations immediately.

Intact Insurance

Updated 2026-07-24 · 1,697 reviewed · 415 listed · Scored from 857 Google reviews · How we rank ›

3.5(857) 55 composite score See reviews on Google ✓ Google-verified Publishes prices

Auto InsuranceHome & Property InsuranceLife InsuranceBusiness & Commercial InsuranceHealth & Travel InsuranceBilingual / Multilingual Service

Services: Auto Insurance, Home & Property Insurance, Life Insurance
Reviews: 857

What recent reviews say

Intact's claims department staff are responsive and knowledgeable when you reach them, but reviewers consistently report major friction throughout the customer journey. Quote-to-purchase surprises (prices jump by hundreds of dollars), adjusters who ignore calls for weeks, claims that stall for months or years without resolution, and charges that continue long after cancellation create a pattern of distrust. Several customers mention named adjusters with reputations for rudeness or evasiveness. The company performs well only after you escalate a complaint, but getting there feels adversarial.

Home and auto insurance are the services most mentioned in complaints. Pricing starts with online quotes that don't hold up on the phone. Claims processing involves unexplained delays, unanswered emails, and transfers to wrong departments. One customer paid $400 in mystery charges four years after cancelling, with no explanation from the company or its collection agency. Another waited over a year for a claim decision. The few positive reviews praise individual staff members (Ms Amrita P in Claims) for going above and beyond, but they are vastly outnumbered by stories of systemic failure.

Praised for

knowledgeable claims staff
efficient handling when engaged
professional adjuster assistance

Watch-outs

quote accuracy and price discrepancies
claim delays and unresponsive adjusters
ongoing billing after cancellation
poor communication and hard to reach
unfair claim payouts and denials

slow-claims-processpoor-communicationhard-to-reachhidden-feesclaim-deniedoverpricedknowledgeable-staff

Think twice if: Reviewers report quote changes between online and phone, extended claim waits, unresponsive adjusters, and charges after cancellation. Shop competitors and monitor bills closely.

Strengths

individual claims staff are knowledgeable and professional
wide range of coverage types under one roof
online quote tool available

Worth knowing

Named adjuster Matthew Day criticized for non-responsiveness in claim handling
Named adjuster Saarugen Lingeswaran reported for call avoidance; claim eventually resolved after 3+ months
Named adjuster Victoria ONUOHA described as rude and deceptive by claimant
Ms Amrita P in Claims Department noted as exceptionally efficient and knowledgeable
Specialist Belinda Brown reported by commercial driver as unprofessional and poor communicator
Customers report online quotes do not match phone quotes (sometimes $100+ higher)
One customer's claim stalled over one year with no resolution
Collection notice issued for $400 charge four years after policy cancellation with no explanation

What reviews say by service

Auto Insurance: Quote accuracy inconsistent; when claims arise, delays and adjuster communication issues reported
Home & Property Insurance: Renewal prices jump significantly; coverage payouts disputed; claims stall for extended periods

How it compares

Rated 3.5 against a 4.08 average across the 263 auto insurance businesses listed here.
Has more Google reviews than 97% of the businesses in this directory.

How we scored this

Ranking Method

Star rating 1

Review volume 100

Review recency 100

Review sentiment 31

Profile completeness 100

Verification 30

Rating breakdown

472

287

Common questions

Why did my online quote change when I called to buy?: Multiple reviewers report quotes increasing by $100 or more between online estimate and phone application, with no clear explanation. One customer's quote jumped from $160 to $255 after answering savings questions.
How long do claims typically take?: Several reviewers report claims taking months to resolve. One claim stalled over one year; another took 3+ months for repairs approval, with adjuster avoiding calls.
Will charges stop if I cancel my policy?: One customer was billed for months after cancelling their policy through both the company and their broker, suggesting billing systems may not process cancellations immediately.

Contact

Phone: +1844-489-3768
Website: https://www.intact.ca/en/personal-insurance
Address: 700 University Ave, Toronto, ON M5G 0A1
Open in Google Maps

Last verified 2026-07-24

Opening hours

Monday: 08:00-17:30
Tuesday: 08:00-17:30
Wednesday: 08:00-17:30
Thursday: 08:00-17:30
Friday: 08:00-17:30
Saturday: Closed
Sunday: Closed

As listed on Google.

From their website

Services listed

Car insuranceMotorcycle insuranceRV insuranceATV insuranceSnowmobile insuranceHouse insuranceCondo insuranceCottage insurance

Published prices

Home and car insurance bundle: up to $700 savings
myDrive: $275 on average savings

As published by the business on its own website; not independently verified.

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BrokerLink

4.5(1081)✓ Google-verified

Staff consistently listen to what customers need and act fast to fix problems or find better rates. Named advisers like Beth, Nicole, Mita, Arpan, and Riddhi Acharya build trust by explaining options, spotting discounts, and keeping wait times short. The business handles the full range: auto, motorcycle, boat, home, condo, and travel insurance across Toronto and Ontario. Customers praise the personal touch-advisers respond quickly and tailor solutions to individual situations rather than rushing through a call.

Auto InsuranceHome & Property InsuranceLife Insurance

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