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Car Insurance

The right automobile coverage for your needs. 

With us, you stay in the driver's seat. Get a car insurance quote and the right protection for your needs.
  • Tailored car insurance coverage for your vehicle
    Car insurance is a requirement for driving in Canada. Get the protection you need for your vehicle and driving habits.1
  • Roadside assistance
    Get help fast, when you need it. Drive worry-free with roadside assistance. Available at a competitive price, you can add roadside assistance to your auto insurance policy to get help on the road anywhere in Canada and the United States.2
  • Support from Canada’s biggest claims team
    No one wants to be involved in an accident. In the event it happens, and you need to make an auto insurance claim, our team will do its best to make sure the process is as quick and easy as possible. 

 Coverage

Have the right car insurance when you take the wheel and drive worry-free. Our auto insurance will provide options to obtain the coverage best suited to you and your particular vehicle, regardless of whether it is used, new, an SUV, a sedan, or another car type. 

  • Bodily Injury and Property Damage Coverage protects you if you're responsible for injuring someone or damaging someone else's property in a car accident.

  • Direct Compensation Property Damage Coverage may cover damages to your vehicle and its contents if another driver is at fault.

  • Statutory Accident Benefits Coverage may compensate you if you, your passengers, or pedestrians are injured in a car collision, regardless of responsibility. Accident Benefits can be increased to match your individual requirements. For additional information, please contact your broker.

  • Uninsured Automobile Coverage protects you in two instances. First, if you are injured in a crash by a driver who does not have car insurance. Second, if you are unable to identify the vehicle; for instance, if you were the victim of a hit and run.

  • Optional

    Various levels of physical damage coverage for your vehicle are available, depending on how much protection and coverage you want for your car:

    • Specified Perils Coverage: Covers your vehicle against a limited number of predetermined risks, like theft, some natural disasters, hail, riots or civil disturbances. 
    • Collision or Upset Coverage: If damages are caused to your car because you've crashed into something (like a light post, guardrail, or another vehicle), Collision or Upset coverage could cover the cost of those repairs. You may just have to pay the deductible.
    • Comprehensive Coverage: Covers the expenses to fix the damage to your vehicle from unpredictable circumstances such as fire, theft, vandalism, or some natural disasters.
    • All Perils protection: A combination of Comprehensive coverage and Collision or Upset Coverage

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker or get a quote.3

Claims advantage

the event you are a victim of a hit and run causing damage to your vehicle over $1,000 or it is a total loss, your deductible will be waived. 

Minor conviction rating waiver

Have peace of mind knowing your first minor conviction, such as a speeding ticket, won't affect your premium.

Plus Pac

Automobile physical damage extension package Plus Pac extends your protections. Enjoy coverage for a replacement rental vehicle in the event of an insured loss, coverage for damages you may cause to a rental vehicle in Canada and the United States as well as roadside assistance.

THE PERFECT MATCH BETWEEN YOUR HOME AND AUTO INSURANCE

Bundle and save!

Combine your home insurance and auto insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles.3

MORE WAYS TO SAVE

  • Bundle your home and car insurance
    Get the best value for your money by bundling your home and car insurance together!
  • More ways to save
    You own multiple vehicles and insure them with Intact Insurance? Is your car electric or hybrid? You attend a post-secondary institution as a full-time student? You’ve passed a registered driving course within the last 3 years? It could help you save!

FAQ

Each province and territory have a different standard level of coverage for auto insurance. For more information on the specific auto insurance mandatory coverage for your province or territory, see the coverage section above, and get in touch with your broker if you have any questions.

The first step to purchasing car insurance is to get a quote through your broker. With a broker, you’ll discuss your needs, find the best protection for your vehicle and finalize your insurance policy over the phone. It’s that easy!

There are many ways for both experienced and young driver to save on their car insurance premiums: bundle your home and auto insurance policies, choose a higher deductible, etc. There are many other ways to save on auto insurance, just ask your broker! 

Your car insurance premium is calculated based on a variety of factors. These include:

  • The type of car your drive
  • Where you live and work
  • The number of years you've been driving
  • How often and how much you drive
  • Your driving habits
  • The type of protection you need
  • The amount of the deductible

To discuss your car insurance premium further, don't hesitate to reach out to your broker or to get a car insurance quote today. Insurance brokers will help you find the best protections and insurance premium for your car.

  1. On your mobile device, launch the Intact Insurance App. Tap on "Claims" on the start page, then click "Submit a car claim."
  2. Identify areas of your car that were damaged by choosing the incidental car.
  3. Then, several inquiries will be posed to you for you get the details on the incident: who was driving, where and when the crash happened, who might have been injured, what was damaged, etc.
  4. You can send up to 20 images (such as photos, police reports, counterparty details, etc.) using the Intact Insurance App. These pictures will be used to evaluate the damages. We'll include these in your file. Additionally, you may use the guided snapshot module to take 10 photographs of the damage to your vehicle.
  5. If you have finished entering all the important information tap "Submit." Your case has been finished and submitted.
  6. If you didn't include any supporting documentation or images when you initially submitted your claim, you can retrieve it later and upload them using the guided photo module. Once your claim has been made, you can provide supporting documentation and information.

Based on the amount of protection you want from your auto insurance; you may pick from a variety of coverage options regardless of the type of vehicle you are going to insure:

  • You could be protected by Collision and Upset Coverage against the expense of repairing damage to your car that results from collisions with other cars or obstacles like guardrails.
  • Comprehensive coverage may provide coverage against perils other than Collision and Upset and protects you against the cost of repairing damage to your car caused by unforeseen events like arson, robbery, graffiti, or natural catastrophes.

Only particular risks, like theft, natural catastrophes, rioting, or civil unrest are covered by Special Perils Coverage.

Didn’t find what you were looking for?

Access your insurance anytime, anywhere

Your insurance when you need it the most.

Download the Intact Insurance app to access your digital proof of insurance, submit and track a claim, view your insurance documents and more.

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Talk to a broker

It can be a challenge to find the right type of car coverage you need on your own. That’s why we have over 2,000 broker relationships across Canada. Insurance representatives are highly skilled in assessing your car insurance needs and offer the right coverage for your situation and budget. Call a broker today and get car insurance tailored to your needs today.

Get a car insurance quote

Have the right protection when tackling the twists and turns of the highway. Find the best auto insurance policy for your needs, starting with getting an auto insurance quote. Getting an auto insurance quote is the first step to protecting your vehicle.