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About Intact Insurance

Intact has roots going back to 1809. It was first established as Halifax Fire Insurance Association. The company was acquired by Dutch insurance company Nationale-Nederlanden (NN) in the 1950s. Formally known as ING Canada until 2009, where it became Intact and operates under Financial Corporation.

Intact Insurance is Canada's largest home, auto and business provider. Their team has around 16,000 full and part-time employees who serve more than five million personal, business and public sector clients across North America with over $11 billion in total premiums.

Intact insures over 4 million businesses and personal products under the Intact brand, and its subsidiaries, including Jevco, Belairdirect, and the OneBeacon Insurance Group in the US.

How to get an Intact car insurance quote

Getting car insurance quotes with Intact is easy with ThinkInsure. It just takes a couple of minutes for you to compare Intact quotes against other top providers.

1) Personal information

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2) Enter your details

Provide your driving and vehicle information.

3) Compare

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Intact car insurance

Intact offers car insurance in Ontario, Alberta, Quebec, Nova Scotia and some other provinces. They have motorcycle insurance and boat insurance and coverage for many other types of vehicles.

Telematics app: Using the Intact app you can save up to 25% on your premium by being a safe driver.
Beyond the basics: Protect your vehicle with additional coverage including all perils, comprehensive insurance, collision insurance and accident forgiveness.
Minor conviction protection: With this program, you’ll have peace of mind that your first minor ticket, such as a speeding ticket, won’t impact your rate.
myDrive: Intact launched myDrive usage-based insurance program that tracks driving behaviour to help drivers save on their premiums in 2013.

Intact car insurance discounts

Are you looking to lower your monthly payments? Check out this list of car insurance discounts and savings options offered by Intact.

Maximize savings: We will make sure you are taking advantage of all available discounts - bundle home and auto insurance to save 15% or more. Adding multiple vehicles is also a great option to save on Intact car insurance.
Increased deductible: Increasing your car insurance deductible can lower your premium.
Driver’s ed: When you pass an approved drivers education course, you can save on your next quote. A clean driving record can also lower your rate.
Payment options: Save on interest when you pay your Intact Insurance policy annually vs monthly.
Additional vehicles: If you have more than one vehicle on your policy, you can lower your costs. Perfect for adding an occasional driver.

Recent Intact Canada car insurance premiums

Many things can affect how much you pay for coverage with Intact. We gathered Intact car insurance quote data from 2023 to show how factors such as gender, age, driving habits, and location can affect premiums.

		Annually	Monthly
	All drivers	$ 2,543	$ 212
Gender and status
	Male	$ 2,564	$ 214
	Female	$ 2,494	$ 208
	Married	$ 2,651	$ 221
	Single	$ 2,512	$ 209
Age
	Under 25	$ 2,839	$ 237
	26-35	$ 2,544	$ 212
	36-49	$ 2,522	$ 210
	50-64	$ 1,985	$ 165
	65 and over	$ 1,414	$ 118
Driving record
	1 ticket	$ 2,728	$ 227
	2 tickets	$ 2,790	$ 233
	1 accident	$ 2,848	$ 237
	1 cancellation	$ 2,560	$ 213
	1 suspension	$ 2,943	$ 245
Location
	Toronto	$ 2,592	$ 216
	Ottawa	$ 1,857	$ 155
	Brampton	$ 3,219	$ 268
	Hamilton	$ 2,855	$ 238
	Mississauga	$ 3,390	$ 283
	London	$ 2,912	$ 243
	Kitchener	$ 2,779	$ 232

* Quotes from Jan 1, 2023 to Oct 31, 2023, standard coverage, G drivers

Intact home insurance

Intact offers customers excellent home insurance in Canada. Your home and belongings will be well protected with an Intact homeowners policy. They have condo insurance and renters insurance packages for other types of coverage needs.

Identity fraud: my Identity™ can protect you from paying legal fees and financial setbacks after being a victim of identity theft.
Water damage: Water damage protection from Intact can help with costs and repairs if water enters your home.
Customize coverage for your house: You can add additional coverage to protect outdoor structures (garage, gazebo, shed), contents insurance, and personal liability.

couple play with their dog in the liveing room.

Intact commercial insurance

If you’re a business owner looking for commercial property insurance or coverage for your commercial vehicles, Intact has customized solutions for you.

Whether you have multiple locations or a range of fleets, Intact commercial insurance has you covered with standard options and optional coverages to enhance your policy.

Our Intact insurance brokers are here to help

ThinkInsure’s team of brokers are experts in Intact products and coverage. We'll shop and compare Intact with our large offering of insurers to make sure they are the best choice for you. If they aren't we have plenty of other providers to get you insured with. We'll help you protect you home or car for a great rate.

We know how insurance works. Our experts will find customized policies tailored to your specific needs.
Explore your options for competitive rates, discounts, and coverage bundles from Canada’s top providers.
We’re dedicated to providing industry leading customer service for all your insurance matters.

Reasons to choose Intact Insurance

Top rated by Canadians: In 2023 they were voted the most trusted home and auto insurance brand by Canadian shoppers based on the 2023 BrandSpark® Canadian Trust Study, and the choice of 1 in 4 small and medium sized businesses in the country.
30-minute claim guarantee: Intact Insurance will start your claim within 30 minutes of your call.
Savings: Lower your insurance rates with my Drive™ & my Lifestyle Advantage.
Large selection of products: Intact has a large selection of insurance products to meet your coverage needs. We will help you find the perfect coverage so you are protected properly.

Facts about Intact Insurance

Trusted by Canadians: 1 in 5 Canadians count on Intact for their coverage.
Save 30% with my Drive™: You will automatically get a one-time 10% discount by joining.
On site restoration: In Canada, they provide repair and restoration services through its subsidiary On Side Restoration for damaged homes and businesses.

Intact Insurance Canada awards

Intact has been recognized for its commitment to diversity, workplace, community involvement, and corporate responsibility.

Voted the most trusted home and auto insurance brand in the 2023 BrandSpark® Canadian Trust Study.
Kincentric 2019 Best Employer in Canada and the United States.
Two of Intact's Commercial Lines Managers have been recognized by Insurance Business Canada Magazine as 2019 “Young Guns" – a list of the top 35 under 35 insurance professionals leading the Canadian insurance industry.
Louis Gagnon, President, Canadian Operations awarded with The Globe and Mail's inaugural Report on Business Best Executive Award in 2020

Intact Insurance financial information

Private Passenger Automobile Direct Written Premium Market Share 2022 10.3783% *
Intact Financial Corporation reports Q2-2023 results **
Operating DPW2 growth of 6% in Q2-2023 driven by rate actions in supportive market conditions
Net operating income per share decreased 30% to $2.30, largely due to an increase in catastrophe losses to $421 million, partially offset by higher investment income
Personal auto results were strong at a 91.2% combined ratio, reflecting profitability actions and moderating inflation
Operating ROE2 of 12.8% (and ROE2 of 9.0%) despite elevated catastrophe losses and $2.5 billion of total capital margin

Intact Financial is now the 42nd-largest company in Canada, according to the annual FP500 ranking, and the largest P&C insurer by a comfortable margin, with $12.5 billion in revenue and $35.1 billion in assets. ***

* Source: FSRAP Suto Rate Approvals

** Source: Intact Quarterly Reports

*** Source: Financial Post

How to submit a claim with Intact Insurance

If you ever need to file a claim, you can easily contact Intact claims through their website or by phone. They are available 24/7 to offer support and guide you through the process. Additionally, you can use their app to report a claim or check its status.

Here are some helpful links:

To report a car or home insurance claim, please call 1 866 464 2424.
Visit Intact Claim’s Hub
Submit claim online

Helpful Intact Insurance information and links

Website
Intact Insurance Claims Hotline: 1-866-464-2424
Specialty Insurance: 1-888-448-4140
Intact Insurance Payment: Make Intact Payments Online By Credit Card
Client Centre: Intact Insurance Client Centre

Contact Intact Insurance in Toronto

700 University Ave., Toronto ON M5G 0A1
Phone:
(416) 341-1464
Toll-free:
1 (844) 489-3768
Hours of operation:
Monday to Friday: 8:00am - 5:30pm
Phone Hours:
Monday to Friday: 8:00am - 8:00pm
Saturday: 9:30am - 4:00pm

Intact Insurance Calgary

Intact Insurance Calgary

321 6th Avenue S.W.,
Suite 1200,
Calgary, AB, T2P 3H3
Phone: (403) 269-7961
Toll-free: 1 (844) 389-3765
Monday-Friday: 8:30am - 5:00pm

Intact Insurance Edmonton

10830 Jasper Avenue, 700,
Edmonton, AB, T5J 2B3
Phone: (780) 428-7544
Toll-free: 1 (844) 889-3766
Monday-Friday: 8:30am - 5:00pm

Intact Insurance FAQs

Does Intact have accident forgiveness?

Intact Insurance rewards good drivers with our Responsible Driver Guarantee®, which means your first at-fault accident is covered under accident forgiveness.

Does Intact Insurance cover Uber drivers?

No. Intact does not offer Uber insurance or ride-share coverage..

Where can I get the Intact Insurance App?

You can download the Intact Insurance app using App Store or Google Play.

How do I cancel Intact insurance?

You can cancel or modify your Intact policy by speaking with the ThinkInsure team. We can help you find a solution to any issues you may be having.

Is Intact Insurance a Canadian company?

Yes, Intact is a Canadian insurance company. In fact, they are the country’s largest auto, home, and business company, with over four million customers.

Does Intact Insurance cover rental cars?

Depending on the specifics of your policy, and any additional OPCFs or endorsements, you will be cover up to a specific limit for a rental car.

Intact insurance rate increases

Intact rate changes
Approved rate change %	Renewal effective date
0	Jan 1, 2024
2.18%	Oct 20, 2023
1.53%	Jul 7, 2023
0.62%	Feb 4, 2023
3.44%	Dec 2, 2022
-0.07%	Sep 10, 2022
1.16%	Jun 14, 2022
-0.49%	Jun 10, 2022
0	Feb 5, 2022
-1.90%	Oct 1, 2021
-2.15%	Dec 18, 2020
-0.08%	Aug 30, 2020
0	Jun 15, 202
0.12%	Apr 10, 2020
5%	Feb 8, 2020
0	Dec 6, 2019
5%	Sep 7, 2019
5.99%	Oct 19, 2018
0	Sep 8, 2018
5.12%	May 11, 2018

Get an Intact Insurance quote

Get a quote for your home or auto from Intact insurance online in just a couple of minutes. ThinkInsure is a leading Intact insurance broker and we'll help you get the coverage you need. If Intact isn't a good option that's ok as we can get you insured with many other top insurance companies in Canada.

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