Intact Insurance is a Canadian property and casualty insurer that sells auto, home, travel, and business coverage

Intact Insurance is one of Canada's largest property and casualty insurers, operating across all provinces and territories. The company writes auto insurance, home insurance, travel insurance, and commercial policies. It owns several subsidiary brands — including Belair Direct, Jevco, and The may provide Company of North America — but operates them as separate entities with their own pricing and underwriting rules.

Intact does not offer life insurance, health insurance, or investment products. It focuses on insuring physical property and liability risk. The company is publicly traded on the Toronto Stock Exchange under the ticker IFC, and it is regulated by provincial insurance regulators in each province where it operates.

Key Takeaways

  • Intact Insurance sells auto, home, travel, and business coverage across Canada through its main brand and several subsidiary brands.
  • Coverage options and pricing vary significantly by province because insurance regulation and rate approval happen at the provincial level.
  • Intact uses a tiered discount structure for auto insurance — bundling policies, maintaining a clean driving record, and paying in full upfront can each lower your premium.
  • You can request a quote online, by phone, or through a broker, and most quotes are valid for 30 to 60 days depending on the product.
  • Claims are filed through Intact's website, mobile app, or by phone, and the company assigns an adjuster to assess damage and determine coverage.

How Intact's auto insurance pricing works

Intact calculates auto insurance premiums based on your driving history, the vehicle you drive, how you use it, and where you live. The company pulls your driving record from provincial registries and uses that to assign a risk category. A clean record — no at-fault accidents or traffic violations in the past three to five years — qualifies you for standard rates. Violations, at-fault claims, or suspensions move you into a higher-risk category with higher premiums.

The vehicle itself affects the quote. Intact looks at the make, model, year, and safety ratings. Newer vehicles with high safety scores and lower theft rates typically cost less to insure. The company also asks how you use the vehicle — commuting to work daily costs more than occasional personal use — and how far you drive annually. Bundling auto with home insurance usually brings a discount of 10 to 20 percent on each policy, though the exact amount varies by province and your specific situation.

Location matters because accident frequency, theft rates, and repair costs vary by region. Urban areas often have higher premiums than rural ones due to higher collision rates. Intact also factors in your age, marital status, and years of driving experience. Paying your premium in full upfront rather than in monthly installments typically saves you a small amount.

Home insurance coverage and options

Intact's home insurance covers the building structure, attached structures like garages, and personal property inside the home. The company offers two main forms: all-risk coverage, which covers most perils except those specifically excluded, and named-peril coverage, which covers only the perils listed in the policy. All-risk is more expensive but broader; named-peril is cheaper but leaves gaps.

Standard exclusions in most home policies include flood, earthquake, and wear and tear. Intact sells separate flood insurance as an add-on in some provinces. The company also offers optional coverage for things like jewelry, art, business property, and liability protection beyond the base amount. Deductibles typically range from $250 to $2,500, and choosing a higher deductible lowers your premium.

Home insurance premiums depend on the home's age, construction type, square footage, and condition. Homes with updated electrical and plumbing systems, newer roofs, and security systems often may have access to for discounts. The company may require a home inspection before issuing a policy on older homes or those with previous claims.

Travel insurance and what it covers

Intact offers travel insurance through its main brand and through Belair Direct. Coverage typically includes trip cancellation (reimbursement if you cancel before departure), trip interruption (if you have to cut a trip short), emergency medical coverage abroad, baggage loss or delay, and travel delay. The scope and limits vary depending on which plan you choose.

Travel insurance premiums depend on your age, the length of the trip, the destination, and whether you are traveling alone or with others. Older travelers pay more because medical emergencies abroad become more common with age. Trips to countries with higher medical costs or political instability also cost more to insure. Most travel policies exclude claims related to pre-existing medical conditions unless you purchase coverage within a set number of days of your initial trip deposit.

Intact's travel policies are sold as annual plans (covering multiple trips in a year) or single-trip plans. Annual plans make sense if you travel more than once or twice yearly; single-trip plans are cheaper for occasional travelers.

How to get a quote and what information you need

You can request a quote from Intact through its website, by calling 1-866-206-3333, or through a licensed insurance broker. Online quotes are usually the fastest — you enter your information and receive a preliminary quote in minutes. Phone quotes take longer but allow you to ask questions as you go.

For an auto insurance quote, have ready your driver's license, vehicle registration, current insurance policy (if you have one), and driving history. Intact will ask about any accidents or violations in the past three to five years. For a home insurance quote, you need the property address, year built, square footage, construction type, and details about any recent claims or damage. Travel insurance quotes require your age, travel dates, and destination.

Quotes are typically valid for 30 to 60 days. If you want to purchase a policy, you can do so online, by phone, or through a broker. Most policies take effect within one to three business days of purchase, though you can request an earlier start date if needed.

Filing a claim with Intact

Claims can be reported through Intact's website, mobile app, or by calling 1-866-206-3333. For auto claims, you can also report through the Intact Claims app, which lets you photograph damage and upload it when ready. For home claims, the process is similar — you report the loss, describe what happened, and provide photos if possible.

After you report a claim, Intact assigns an adjuster to your case. The adjuster contacts you to schedule an inspection, reviews the damage, and determines what is covered under your policy. For auto claims, this usually takes a few days to a week. For home claims, it can take longer if the damage is extensive. The adjuster then issues a settlement offer based on the policy terms and the cost to repair or replace the damaged property.

If you disagree with the settlement offer, you can request a review or hire an independent adjuster to assess the damage. Most policies include a dispute resolution process that does not require going to court when ready.

Intact's subsidiary brands and how they differ

Belair Direct is Intact's direct-to-consumer brand, known for lower premiums in exchange for limited customer service — you manage your policy online or by phone rather than through an agent. Belair Direct offers auto, home, condo, and travel insurance and is often cheaper than the main Intact brand for drivers with clean records.

Jevco specializes in high-risk auto insurance — drivers with accidents, violations, or suspensions on their record. Premiums are higher than standard rates, but Jevco is designed for people who cannot get coverage elsewhere or who face very high premiums from mainstream insurers.

The may provide Company of North America writes commercial and specialty insurance, including liability, property, and workers' compensation for small and medium-sized businesses. It also offers home insurance in some provinces.

All three subsidiaries are owned by Intact but operate independently. Pricing, underwriting standards, and available coverage options differ between them. If you are declined by one brand, you may still be able to get coverage through another.

Frequently Asked Questions

Does Intact offer discounts for bundling policies?

Yes. Bundling auto and home insurance typically saves 10 to 20 percent on each policy, though the exact discount varies by province and your personal situation. Some provinces allow larger discounts than others because of how insurance regulation works in each province.

What happens if I have an accident and it is not my fault?

If the other driver is at fault, Intact can pursue a claim against their insurer to recover your deductible and any costs above your coverage limits. This process is called subrogation. You still pay your deductible upfront, but Intact may refund it if they recover the full amount from the other insurer.

Can I cancel my Intact policy early without a penalty?

Most Intact policies can be cancelled anytime, but you may owe a cancellation fee if you cancel mid-term. The fee varies by province and policy type. If you are switching to another insurer, ask Intact about the cancellation terms before you purchase a new policy elsewhere.

Does Intact cover rental cars if mine is in the shop?

Some Intact auto policies include rental car coverage as an optional add-on. If you have it, the policy covers the cost of a rental vehicle up to a daily limit while your car is being repaired after a covered claim. Check your policy documents or call Intact to confirm whether you have this coverage.

How do I update my information if I move or change vehicles?

You can update your policy online through your Intact account, by calling customer service, or through a broker. Changes to your address or vehicle usually take effect within one to three business days. Notify Intact before the change happens so your coverage stays current.