Intact Car & Home Insurance Reviews

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Intact Insurance
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Intact Insurance is Canada’s largest home, auto, and business insurance company, severing over four million customers across Canada. Jevco Insurance, Belairdirect, and BrokerLink are all subsidiaries of the Intact Financial Corporation (IFC). In 2018, Intact had 13.2 per cent of the Ontario insurance market.

Insurance Coverage Offered by Intact

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Vehicle Insurance

In 2018, Intact Insurance’s customers accounted for 14.7 per cent of the total private passenger auto insurance market in Ontario and 21.2 per cent of the commercial auto insurance market in Ontario. When you insure over a fifth of the auto insurance market, you know a thing or two about providing your customers with competitive rates and top-notch service. Intact helps you to determine the level of coverage you need and bases your rate on the vehicle you drive, frequency of use, and your driving record. They offer these types of automobile solutions:

  • Car
  • Motorcycle
  • ATV
  • Boat
  • RV
  • Snowmobile

Property & Residential Insurance

Intact is one of the largest property and residential insurance companies in Canada. In 2018, they accounted for 12.8 per cent of the personal property market in Ontario and 13.2 per cent of the commercial property market in Ontario. They have solutions to protect your home, its contents, and your personal liability.

  • Home
  • Condo
  • Cottage
  • Tenants
  • Travel
  • Home

Business Insurance

  • Commercial Property: Intact’s commercial property insurance protects your business against damage caused by fire, theft, vandalism, and other means. It also protects your business’s physical assets, including inventory, equipment, electronics, exterior fixtures, and buildings. Extensions can be added to your commercial property insurance including, business interruption, earthquake, flood, and sewer back-up coverage.
  • Commercial General Liability: Protects you and your business against claims arising from the operation of your business or the products sold by your business. If you are sued for bodily or personal injuries, advertising liability, or property damage, coverage is provided for the legal costs to defend the claim in court or compensate third parties for damages. Also included is coverage for umbrella liability, errors and omissions, and directors and officers. Intact accounts for 7.6 per cent of the liability insurance market in Ontario, so you can feel confident that you’re protected.
  • Commercial Vehicle Insurance: Standard coverage includes third-party liability, direct compensation property damage (DCPD), and accident benefits. Optional coverages include collision, comprehensive, all perils, and specified perils.
  • Contractors & Construction: Commercial property, mobile property, commercial general liability, commercial vehicles, and surety bonds coverages are available for contractors.
  • Professional & Technical Services: Errors and omissions, commercial property, commercial general liability, commercial vehicles, and privacy breach coverages are available for business professionals.
  • Personal Care & Beauty: Commercial general liability, commercial property, and equipment breakdown coverages are available for those working in the cosmetology industry.

Speciality Insurance

  • My Driving Discount – With My Driving Discount, you can save up to 30% on your car insurance. The program rewards your safe driving habits, so if you avoid distracted driving, rapid acceleration, hard braking, speeding, and risky driving hours, you can significantly save on your premium. Intact explains the program saying, “You automatically get a one-time 10% discount when you enroll in the program with your broker. Your discount is then updated every six months based on how safely you drive.”
  • My Identity – Protect yourself against identity theft, cyber-attack and consumer disputes, by taking preventative action and purchasing My Identity coverage. This coverage also includes 24/7 legal information, for matters such as identify theft, landlord and tenant issues, family law, employment law, and cyber events.
  • Minor Conviction Protection – Minor Conviction Protection from Intact can protect your premium from rate increases in the event of a minor conviction, and the cost can be as low as $5 a month. To be eligible, you must be licensed for six years or more, conviction-free for three years or more, and an Intact Insurance or Novex Insurance policyholder. For more information about the program visit Intact’s website at: https://www.intact.ca/on/en/personal-insurance/vehicle/car/minor-conviction-protection.html
  • Lifestyle Advantage – Intact’s Lifestyle Advantage coverage gives you the freedom to change your lifestyle. In the event of a total loss, you are not obligated to rebuild. You can choose to rebuild the same home, or you can choose to downsize and keep any leftover money. To be eligible for Lifestyle Advantage you must be 50 years of age or older and living outside of Atlantic Canada OR licensed for 34 years or more within Atlantic Canada. You must also be three years claims free on your property insurance. Talk to a broker to see if Intact’s Lifestyle Advantage is right for you, or visit their website for more information.

Contact Intact in Ontario

Your Excalibur Insurance broker should always be your first point of contact in the event of an emergency, as well as when you need to make changes to your policy or payment information. However, if you need to contact your insurance provider directly, you can reach them at:

Intact Claims Hotlines

Personal Insurance: 1 (866) 464-2424
Specialty Insurance: 1 (888) 448-4140

Office Address Phone Number Hours
Sudbury 1033 Barrydowne Road, Sudbury, ON, P3A 5Z9, CA (800) 668-6707 /
(705) 566-6060
Monday – Friday:
8:30 a.m. – 5:00 p.m.
Ottawa 1200 St. Laurent Boulevard, Ottawa, ON, K1K 3B8, CA (800) 267-1836 /
(613) 748-3000
Monday – Friday:
8:30 a.m. – 5:00 p.m.
Ajax 59 Westney Road South, Ajax, ON, L1S 2C9, CA (844) 489-3769 /
(905) 686-0200
Monday – Friday:
8:30 a.m. – 5:00 p.m.
Toronto 700 University Avenue, Toronto, ON, M5G 0A1, CA (844) 489-3768 /
(416) 341-1464
Monday – Friday:
8:00 a.m. – 5:30 p.m.
Mississauga 6925 Century Avenue, Mississauga, ON, L5N 7K2, CA (844) 989-3775 /
(905) 858-1070
Monday – Friday:
8:30 a.m. – 5:00 p.m.
London 250 York Street, London, ON, N6A 6K2, CA (800) 265-4487 /
(519) 432-6721
Monday – Friday:
8:30 a.m. – 5:00 p.m.