Intact Insurance review
Canada’s largest P&C insurer — deepest claims network and strongest financials.
Our rating · #1 of 10 for car insurance
Customer sentiment
173,461 real reviews
At a glance
The bottom line
Intact is the pick in our ratings for peace of mind at claim time. It’s Canada’s largest P&C insurer, holds the only A+ (Superior) financial rating in this group, and ranks at or near the top of J.D. Power’s representative satisfaction surveys — so when a claim gets complicated, there’s deep infrastructure behind it. The trade-offs are real: you can only buy through a broker, so it’s rarely the cheapest quote, and the most common gripe in customer reviews is adjusters going quiet once a claim is open. Choose Intact if you value stability and a broker in your corner over the lowest price online.
- Overall strength & claims reliability
- Helpful individual brokers
- A genuinely good app
- Unreachable adjusters
- Claims delays and disputes
- Broker pricing isn’t always the cheapest
The expert assessment
How our analysts score Intact Insurance’s car insurance — 86.2/100 across six weighted pillars.
Also DBRS AA. Canada’s largest P&C insurer — the strongest financials in this comparison.
Source: AM Best (ref 266226), May 2025; Morningstar DBRS AA
What experts like
- Highest verified financial-strength rating in the set (AM Best A+, DBRS AA)
- Largest P&C insurer in Canada with deep claims infrastructure
- Choice of broker advice or direct-buy via belairdirect
- my Drive telematics up to 25% off
Watch-outs
- Broker pricing isn’t always the cheapest
- Big-company experience can feel less personal
What the regulators' filings say about Intact Insurance
Not ratings or reviews: the numbers Intact Insurance's underwriting companies file with OSFI and the provincial rate regulators, read straight from the public record.
Intact kept 20.6% of premiums after claims and expenses in 2025. Its MCT ratio is above OSFI's 150% supervisory target, though lower than a year earlier. All p&c insurers →
Approved car insurance rate changes
| Province | Latest approved change | Renewals from | Last 12 months | Filings |
|---|---|---|---|---|
| OntarioFSRA · Intact, Jevco, Unifund Assurance Company, Novex, Royal & SunAlliance, Western Assurance Company, Guarantee Company of North America | -0.15% | Jun 15, 2026 | -0.15% | 1 / 69 |
| AlbertaAIRB · Intact | 0.00% | Nov 12, 2026 | +12.49% | 5 / 20 |
| New BrunswickNBIB · Intact | +1.37% | Aug 13, 2026 | +1.37% | 1 / 1 |
| Newfoundland and LabradorPUB · Intact, Unifund Assurance Company, Novex, Royal & SunAlliance | +2.80% | Mar 14, 2026 | +2.80% | 2 / 10 |
Approved change is the insurer's overall average for the province; your renewal can differ. Each tracker has a renewal calculator and every filing since the regulator's records begin.
What Intact Insurance's home insurance policy wording actually says
Read from Intact Homeowners Comprehensive Form, 80703 Version 2 ((10-18) 80703 Version 2, multi-province booklet, broker-hosted; intact.ca publishes no wording), not the brochure. Each answer is the contract's own sentence with its page number.
- Overland flood
- Not in this booklet; flood and surface water excluded, and excluded again under the optional water damage coverage
Read the clause
“27. loss or damage caused directly or indirectly by any of the following perils, whether or not caused by or attributable to earthquake: flood of any nature, waves, tidal waves, tsunami, high water, waterborne objects or ice.”
p. 10 - Sewer backup
- Not in this booklet; excluded under the optional water damage coverage; no limit or maintenance conditions stated
Read the clause
“iii. caused by the backing up or escape of water from a sewer, storm drain, drain, sump or septic tank;”
p. 18 - Away from home in winter
- No days-away rule; freezing excluded only where the heat was intentionally turned off or in normally unheated areas
Read the clause
“i. caused by freezing during the usual heating season: 1. within a normally heated portion of your dwelling if the heat has been intentionally turned off by you or at your direction; or 2. within a normally unheated portion of your dwelling;”
p. 18 - Vacancy
- 30 consecutive days; loss after that excluded, and vandalism, glass and water damage excluded while vacant
Read the clause
“3. occurring after your dwelling has, to your knowledge, been vacant, for more than 30 consecutive days;”
p. 9 - Roof depreciation
- Not stated in the wording
- Renting to others
- Liability covers short-term rental up to 30 days a year; occasional and roomer rentals exclude short-term rentals
Read the clause
“4. the short-term rental of your dwelling or a portion of your dwelling for a total maximum of 30 days per year;”
p. 16
All 14 questions for Intact Insurance, and the same questions for 5 other insurers →
What customers actually say
We aggregated 173,461 real reviews and ratings of Intact Insurance from independent sites to see what its customers report — this is our Customer Satisfaction signal, drawn from real user experiences rather than a marketing claim.
Mixed — and best read in context. On open-review sites Intact scores low (around 1.3–1.4 out of 5), which is normal for any large Canadian insurer, where reviews skew heavily toward claim disputes. But the same customers rate its app 4.5/5, and Intact has ranked at or near the top of J.D. Power’s representative satisfaction surveys.
What people praise
- Helpful individual brokers. The most consistent positive — reviewers single out a specific broker or rep who found them a good rate and kept in touch. Praise attaches to people more than the corporate process.
- A genuinely good app. The 4.5/5 rating from ~173,000 users is the strongest satisfaction signal — customers call it intuitive for viewing policies, pulling up pink cards and starting a claim.
- Fast claims when it goes right. A clear subset report claims “handled very efficiently” and suppliers paid on time, backed by a 24/7 claims line that aims to start your claim within 30 minutes.
- Financial stability. AM Best A+ and Intact’s position as Canada’s largest auto insurer reassure customers it is stable and can pay.
What people complain about
- Unreachable adjusters. The single most cited complaint — unreturned callbacks and long silences (“three weeks since the accident with zero updates”) once a claim is open.
- Claims delays and disputes. Long open claims and pushback on repair estimates — reviewers report Intact underestimating damage or declining local repair quotes.
- Steep renewal increases. Sharp premium jumps at renewal are common, sending customers to shop elsewhere for a cheaper rate.
- myDrive telematics inaccuracy. The dominant app complaint — the usage-based program flagging phone use or events drivers say didn’t happen, and penalizing factors outside their control.
Reading these fairly: Open-review platforms are dominated by upset claimants, so nearly every large Canadian insurer scores 1–2/5 there — belairdirect, an Intact company, sits at 1.4/5 too (Trustpilot). Weigh that against Intact’s 4.5/5 app rating from ~173,000 users and its strong showing in J.D. Power’s representative surveys, where it has topped a national auto-claims study and ranked #1 in Quebec. We weight that representative data, which is why the score above sits well above the raw star ratings.
Customer-sentiment analysis based on public reviews · July 2026
Intact Insurance by product: what it's good for — and what it's not
Intact Insurance sells several lines of insurance. Here's a candid overview of each — what it does well and where to look elsewhere. Car insurance is the line we fully rate with The Expert Score.
Intact Insurance car insurance
86.2/100 · #1Standard auto plus motorcycle, RV, boat and ride-share coverage, sold through brokers. Notable features include Accident Forgiveness, an optional Conviction Protector, and the myDrive usage-based program (advertised up to ~25% off). This is the line we rate in full below.
Drivers who want broker advice and the claims backing of Canada’s largest auto insurer — plus telematics savings if they genuinely drive safely.
Bargain-hunters who want to quote and buy online in minutes: Intact is broker-only, and its pricing isn’t always the cheapest.
What customers say Auto customers rate the app highly (4.5/5) and praise a broker who fights for them, but the recurring gripes are adjusters going quiet mid-claim and myDrive flagging trips inaccurately. InsurEye auto reviews average 1.4/5 — low, but typical for any large insurer.
Read the full car insurance review ↓Intact Insurance home insurance
OverviewCovers house, condo and tenant policies. Intact’s standout is its Enhanced Water Damage Package — up to four stackable water perils including overland flood, sewer back-up and (rare in Canada) ground water — alongside Guaranteed Building Replacement Cost and a “Lifestyle Advantage” cash-out option instead of rebuilding.
Homeowners in flood- or water-exposed areas who want the most granular water protection on the market and guaranteed-rebuild peace of mind. Condo owners also get strong special-assessment protection (a combined limit commonly $500,000, extendable to $1M, varying by province).
Price-shoppers who want an instant online quote — home is broker-distributed and positioned around fuller coverage, not the cheapest premium. Water coverages are eligibility-gated by postal code, and the rebuild guarantee has strict conditions.
What customers say Home reviewers rate Intact a bit higher than auto (InsurEye 1.9/5), and value the water coverage when a claim is approved — but water and hail claims are also where the loudest disputes over payout amounts and repair estimates show up.
Intact Insurance business insurance
OverviewA full commercial line-up — property, general and professional liability, and commercial vehicle/fleet — plus Intact Specialty Solutions for complex risks (construction, transportation, environmental, fine art). Small businesses can get a fast commercial-auto online quote.
Businesses with specialty or complex risk — construction, transport/fleet, environmental — where Intact’s specialty depth and broker network genuinely help, and small operators wanting quick commercial-auto quotes.
Micro-businesses or sole proprietors who want a fully self-serve online package — most commercial lines run through brokers, so it’s advice-heavy rather than instant self-checkout.
Where you can buy Intact Insurance car insurance
Intact Insurance sells car insurance in 7 of the 7 private-market provinces. In British Columbia, Manitoba and Saskatchewan, mandatory auto insurance is government-run (ICBC, MPI, SGI), so no private insurer sells it there.
How Intact Insurance compares to other Canadian insurers
Intact Insurance scores 86.2/100 on The Expert Score. Here's how it stacks up against the insurers people most often cross-shop it with — what each is good for, and where each falls short.
| Insurer | Expert Score | Financial strength | Good for | Not ideal for |
|---|---|---|---|---|
| Intact Insurance This review Broker | 86.2/100 · #1 | A+ (Superior) | Overall strength & claims reliability | Broker pricing isn’t always the cheapest |
| Belairdirect Direct / online | 83.9/100 · #2 | AA (FSR) | Digital-first direct buyers | Not available in MB, SK or the territories |
| Sonnet Insurance Direct / online | 80/100 · #5 | A (Excellent) | A fully online experience | Online-only — no agent or broker support |
| Desjardins Insurance Direct / online | 80.8/100 · #4 | AA (group) | Bundling & telematics (Ajusto) | Auto availability concentrated in ON/QC/AB |
| The Co-operators Agents | 80.9/100 · #3 | A (Excellent) | Customer satisfaction & face-to-face advice | Advisor model is less self-serve than digital-first rivals |
All scored on coverage & terms, financial strength, value, digital experience and availability. See all 10 insurers ranked →
Intact Insurance car insurance in detail
The line we score with the full Expert Score methodology.
At a glance
- Telematics
- my Drive — up to 25% off
- How to buy
- Brokers (Intact Insurance, BrokerLink) and direct via belairdirect
- Availability
- Most provinces
- Parent company
- Intact Financial Corporation
- Founded
- 1809 (roots) / 2009 (Intact brand)
- Head office
- Toronto, ON
Intact Insurance home insurance in detail
Scored on our home insurance Expert Score — see the full home insurance ranking.
Ranked #1 of 10 home insurance providers we rate
4.4Good for water-damage protection & guaranteed rebuild
Intact is the pick for homeowners who want the most thorough protection against water — its Enhanced Water Damage Package stacks up to four separate water perils, including the rare ground-water coverage most policies exclude, and its Guaranteed Building Replacement Cost rebuilds after a total loss even if the bill exceeds the limit. Add the “Lifestyle Advantage” cash-out option and the deepest claims network in the country, and it’s the strongest all-round home policy in this group — though it’s broker-only and rarely the cheapest.
- Best-in-class water coverage — up to four stackable perils including ground water
- Guaranteed Building Replacement Cost with a cash-out option
- Backed by Canada’s largest insurer and its A+ (Superior) financial strength
- Broker-only — no instant online quote
- Positioned as fuller coverage, not the cheapest premium
Intact Insurance: frequently asked questions
How do I get car insurance from Intact Insurance?
You can’t buy from Intact directly — it sells only through brokers (Intact-appointed brokers or its own BrokerLink chain). If you’d rather buy online, belairdirect is part of the same company (Intact Financial) and sells direct.
Can I bundle home and car insurance with Intact Insurance?
Yes — Intact Insurance sells home insurance as well as car, so you can put both on one account and take the multi-policy discount. Bundling home and auto is usually one of the biggest savings a Canadian insurer offers, so it’s worth asking for a combined quote.
Is Intact Insurance’s my Drive usage-based program worth it?
Intact Insurance offers my Drive (up to 25% off). It uses an app or device to measure how you actually drive. If you’re a calm, mostly-daytime driver it can meaningfully cut your premium; if you brake hard, drive late at night or rack up long distances, the savings shrink. Turn it on if your driving genuinely reflects low risk.
Can Intact Insurance be trusted to pay out a claim?
On the evidence, yes: Intact Insurance holds an A+ (Superior), ICR aa- financial-strength rating from AM Best (May 2025) — an independent agency’s verdict on its ability to pay claims. Also DBRS AA. Canada’s largest P&C insurer — the strongest financials in this comparison.
Who is Intact Insurance car insurance a good fit for?
Intact Insurance stands out for overall strength & claims reliability. Highest verified financial-strength rating in the set (AM Best A+, DBRS AA), and largest P&C insurer in Canada with deep claims infrastructure. If those things matter most to you, it’s worth a close look; if your priority is something else, compare it against the insurers that rate highest on that pillar.
What are the downsides of Intact Insurance car insurance?
The watch-outs we found: broker pricing isn’t always the cheapest; big-company experience can feel less personal. We spell these out so you can weigh them before buying — every insurer has trade-offs, and knowing them upfront is the point of a real review.
How does Intact Insurance compare to other car insurers in Canada?
Intact Insurance ranks #1 of the 10 insurers we scored, at 86.2/100. It’s strongest on financial strength and has the most room to improve on customer satisfaction. It’s the highest-scoring insurer in our comparison.