How to buy
Sold through independent insurance brokers across Canada; price depends on your broker's quote. Your premium depends on your profile, location, and coverage, so confirm current pricing with a quote.
Intact Insurance is the main brand of Intact Financial Corporation, which describes itself as the largest provider of property and casualty insurance in Canada. Its roots go back to the Halifax Fire Insurance Association in 1809. Intact Insurance Company holds an AM Best Financial Strength Rating of A+ (Superior), according to Intact Financial’s published credit ratings.
Intact sells car, home, condo, tenant, motorcycle and boat insurance, plus travel coverage, and its business arm writes commercial property, liability and commercial vehicle insurance. It works with more than 6,000 independent insurance broker offices across Canada, so you generally buy an Intact policy through a broker who can also compare other insurers for you.
Product availability and pricing vary by province. In British Columbia, Saskatchewan and Manitoba, basic auto insurance comes from the provincial public insurer, so private insurers compete only on optional coverage there. Confirm the current rating, the lines offered where you live, and pricing with a broker or through a quote.
A carrier's marketing rarely tells you what matters. Before you buy auto coverage from Intact Insurance, or anyone, weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. Ask how claims are reported and handled, and check any complaint information your provincial insurance regulator publishes.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and, most importantly, the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
AM Best ratings, pricing, and product availability change over time and vary by province, so confirm the current specifics with the carrier or in a quote.
Is Intact Insurance available in my province?
Carrier availability and pricing vary by province and by line of business. The fastest way to confirm whether Intact Insurance writes auto insurance where you live, and at what price, is to start a quote with your postal code.
How financially strong is Intact Insurance?
Intact Insurance holds an AM Best Financial Strength Rating of A+ (Superior). AM Best is an independent agency that grades insurers on their ability to pay claims, and we rank carriers primarily by this third-party rating. Ratings can change, so confirm the current one before buying. See our methodology for how we compare carriers.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review complaint information from your provincial insurance regulator, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.
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