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Frequently Asked Questions

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Frequently Asked Questions

Insurance Basics

What types of insurance does Intact Insurance offer?

Intact Insurance is Canada’s largest personal and business insurance company. We offer vehicle, home, and business insurance through a network of brokers across Canada.

How can I lower my insurance costs?

To lower your premium, ask your insurance broker about the following:

  • increasing your deductible (i.e., your share of the cost of a claim) – by increasing the amount you are willing to pay, you will decrease your premium;
  • dropping collision coverage on an older car;
  • bundling your car and home insurance;
  • installing an approved theft deterrent system in your vehicle;
  • buying a car with a lower-cost insurance rating.

What can I do to make sure that I have enough insurance?

Your insurance broker will assess your needs based on the details you provide about your home or vehicle. In case of home insurance, a complete inventory of your belongings will help you get the right coverage and make it easier to file a claim.

What is Replacement Cost?

Replacement cost is the total cost that your insurance company would pay to fully reconstruct your home if it were destroyed. Replacement costs include things that may not be included in the resale value, like the cost and availability of skilled labour, debris removal, extra expense due to more stringent building codes, and more. If you made upgrades or did renovations, talk to your broker to make sure you have the right coverage.

However if you had Lifestyle Advantage, you could spend the replacement cost however you wish. With no obligation to rebuild, you could downsize and keep any leftover money. Certain restrictions apply, so call your broker to see if Lifestyle Advantage is right for you.

What is a Deductible?

A deductible is the portion you are responsible for paying in the event of a claim. For example, if your car insurance policy has a $1,000 deductible for collision and there are $5,000 in damages, you will pay the first $1,000 and the insurance company will pay the remaining $4,000.

Car Insurance

What are the different types of car insurance?

If you drive in Canada, car insurance is mandatory, no matter what the vehicle. But when it comes to the type of coverage, the choice is yours:

  • A policy that covers repairs for damage to your vehicle caused either by a collision with another vehicle or by an impact with an object (wall, tree, etc.). 
  • A policy that covers repairs for damages to your vehicle caused by unexpected situations such as theft, vandalism, fire or natural disasters.
  • Coverage that protects your vehicle against specific dangers (theft, attempted theft, riots, specific natural disasters, etc.)

To learn more, contact an insurance broker! Making sure your policy covers exactly what you need is what a broker does best. 

How high do I want my car insurance deductible?

You could save money and pay a lower premium in return for choosing a higher deductible. In other words, you risk having to pay the higher deductible amount if you ever need to make a claim. Talk to your insurance broker about the right insurance coverage and deductible amount for you.

How is my car insurance premium determined?

When calculating your premium, various factors are taken into consideration.  Some examples include:

  • The type of car you drive
  • Where you live and work
  • The number of years you’ve been driving
  • How frequently you drive
  • Driving lessons you’ve taken
  • Your driving habits
  • The type of protection you require
  • The amount of deductible you pay

Can I get a discount if I bundle my car and home insurance?

Yes. You could save on your home and car insurance if you insure them both with Intact Insurance.  Savings amounts will vary based on your insurance profile and province.  Learn more about how you can save with our Bundle and Save program.

What is my Driving Discount?

my Driving Discount® is a car insurance program based on your driving habits and rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium. Our my Driving Discount page will answer your questions.

Can I get a discount for winter tires?

No, unfortunately we do not offer a discount for winter tires.

I'm driving an electric car, can I get a discount?

If you’ve made the environmentally responsible choice to buy an electric car or a hybrid car, you can receive up to a 10% discount on your car insurance premium! Talk to your broker to learn more.

How can I save on my car insurance?

There are many ways that you can save on car insurance

Does Intact Insurance cover RVs and motorcycles?

Yes, we cover RVs and motorcycles! We also cover ATVs, snowmobiles and boats. To learn more visit our Vehicle insurance page.

Do you cover vintage or classic cars? Off-road vehicles?

Yes. We offer coverage for most kinds of personal (private passenger) vehicles, including classic car coverage that complements your existing coverage:

  • Cars, SUVs, Minivans or Pickup Trucks
  • Motorcycles
  • Motorhomes, RVs
  • Snowmobiles and All-Terrain Vehicles (ATVs).

* Certain conditions, exclusions, and limitations apply.

Does Intact Insurance offer insurance for Uber drivers?

Yes, we do! In fact, we are the first insurer in Canada to offer extensive coverage for both drivers and passengers who use Uber services. So far this product is available in Alberta, Ontario and Québec. Learn more about our Uber insurance coverage.

How are Uber drivers and passengers protected?

Intact Insurance provides Uber commercial insurance coverage from the moment drivers make themselves available to accept a ride request, to the moment the last passenger exits the vehicle. This coverage automatically applies to all Uber drivers (regardless of their personal auto insurance provider) and passengers. Learn more about insurance for Uber.

How do I make a payment?

How you pay your bill is up to you: automatic debit, Internet payment or cheque, or pre-authorized credit card payments are all available. Learn more about how to make a payment.

How do I cancel my insurance policy?

We recommend that you talk to your insurance broker, who can advise you on any changes you would like to make to your policy, including cancellation.  Your broker is listed on your insurance policy.

Is your claims service open 24/7?

Yes, it is! You can reach us at any time at 1 866 464 2424. Plus, when you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.

Home Insurance

Q: What are the different types of home insurance that Intact Insurance offers?

Intact Insurance offers insurance for your house, condo, apartment, cottage, home-based business and rented dwellings. We can also cover identity theft and offer liability insurance. Read  more about home insurance.

What does my home insurance policy cover?

Intact Insurance offers tailored home insurance coverage to fit your lifestyle, so you can choose exactly what you want covered: your home, its contents, or yourself. Visit our home insurance section to learn more, or if you have specific questions about your coverage, contact your broker.

How is my home insurance premium determined?

When calculating your premium, various factors are taken into consideration.  Some examples include:

  • The location of your home
  • The age and condition of your home.
  • The number of years you have lived in that home
  • If your home is built for or used by more than one family
  • How your home is heated
  • Proximity to fire-fighting support
  • If you work at home
  • How much protection you want
  • The number of claims you have made in the past

Can I get a discount if I bundle my car and home insurance?

Absolutely! Bundling your car and home insurance can help you save money on both your car insurance and your home insurance. Plus, only one deductible applies if you need to make a claim on your home and vehicle at the same time. And, when you think about it, it makes things so much easier: one bill, one payment, one renewal date. Visit our savings and discounts page for more details.

How can I save on my home insurance?

The premium you pay is determined by different factors. The good news is, there are actions you can take to reduce your premium and simultaneously protect your home

  • Evaluate your coverage every year to make sure it reflects the current value and condition of your home, and takes into account major improvements or purchases.
  • Implement preventative measures like an alarm system, main line backwater valves, water sensors, alarmed sump pumps, and tankless water heaters. You should also perform regular maintenance to your plumbing, your electrical and heating systems and your roof.
  • Ask your broker about discounts you may be entitled to - you might qualify for additional discounts if you are mortgage or claims free.
  • Bundling your home and auto insurance policies could help lower your premium.
  • Avoid a cancellation penalty by waiting for your renewal date if you want to switch insurance companies.
  • Some coverage options might allow flexibility. Your broker can help you determine precisely the level of coverage you need.
  • Paying your premium annually can help you avoid interest charges or service fees.

Do you cover water losses?

We do! In fact, our extensive water damage coverage allows you to customize your insurance policy in the event that water enters your home.  Availability depends on each individual situation, please consult your broker for more information.

How can I protect my home from water damage?

If you are worried about water damage, then our extensive water damage coverage is for you: sewer backup, water and sewer lines, overland water and ground water can all be part of the coverage you can customize based on your needs. You can also read our water damage checklist for prevention tips and check out our basement water damage calculator, which can help you determine how much coverage you need.

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