Intact Insurance

Intact Insurance is the largest home, auto and business insurance company in Canada. Intact works with insurance brokers nationally, to provide coverage solutions and services to customers across the country. Intact’s parent company is called Intact Financial Corporation (IFC). Other companies under the umbrella of IFC include belairdirect, BrokerLink, On Side Restoration and Intact Insurance Specialty Solutions. The company’s corporate headquarters are located in Toronto.

Personal insurance offered by Intact Insurance

Intact Insurance offers many different types of personal insurance. Whether you’re looking for the basics like car and home, or the extras like a boat or snowmobile, Intact can help you with the right insurance coverage. Here are a few of the personal insurance products Intact offers:

  • Car insurance
  • Home insurance
  • Condo insurance
  • Motorcycle insurance
  • RV insurance
  • ATV insurance
  • Snowmobile insurance
  • Boat insurance
  • Cottage insurance

Business insurance offered by Intact Insurance

Intact also provides small, medium and large businesses across Canada with insurance. Here are just a few of the different types of business insurance they offer:

  • Property insurance
  • Commercial Liability insurance
  • Commercial vehicle insurance
  • Cyber Insurance
  • Professional Liability insurance
  • Directors and Officers insurance
  • Equipment Breakdown insurance

Intact Insurance business assistance services

If your business insurance is with Intact, you could have access to their business assistance services. That means tools and resources from people your business might be too small to employ. For example, you could get advice from a lawyer, HR professional or cyber tech support. You could also have access to loss prevention experts who will offer advice on what your business can do to mitigate risk.

Intact has solutions for many different types of businesses. Below is a list of some of the most common industries Intact works with:

  • Commercial real estate
  • Contractors
  • Farming
  • Home businesses
  • Hospitality
  • Manufacturing
  • Marine
  • Retail
  • Transportation
  • Warehousing
  • Wholesaler

How Intact works with insurance brokers

Intact works with insurance brokers across Canada to get Canadians the insurance they need. There are more that 6,000 independent insurance broker offices in Canada that offer Intact products. While Intact offers the actual insurance, the insurance broker is there to answer your questions, offer support in the event of a claim and help you when it’s time to renew or make a change to your policy.

How does broker compensation work?

Brokers receive a commission from the insurance company when they sell that company’s product. However, brokers are independent. That means they work for the customer, not the insurance company. Brokers can sell products from any company they feel is the best fit for their customer. If you have questions about how your insurance broker is compensated, feel free to ask them!

Special Intact Insurance features and programs

Intact is considered a leader in Canadian insurance. They have different programs and services that can make life easier for their customers. Here are a few of the different offerings, you might be interested in:

  • Intact’s Client Centre offers convenient, secure online access to your account anytime, anywhere, from any device. You can access your insurance information, submit or track a claim, contact your broker, switch to paperless and more – all at your fingertips!
  • myDrive is an app you download on your phone that rewards you for good driving. It monitors things like speed, smooth braking and acceleration. It will reward you for avoiding the use of your phone while driving. You can save up to 25% for good driving habits and you’ll save 10% just for signing up.
  • Turo is a car sharing program. Think of it like the Airbnb for cars. It allows you to let others use your car while you’re not using it. If you’re a vehicle owner, your vehicle is covered by Intact insurance while someone is using it with Turo.
  • Roadside assistance can be added to your Intact insurance policy for added piece of mind. That can include towing your vehicle up to 50 km, jump starting your battery, unlocking car doors, changing a flat tire and delivering gas.

Intact Client Centre

We are proud to offer our Intact customers access to the Intact Client Centre. Client Centre provides instant access to policy documents, billing statements, and real-time updates on the status of claims for all customers with personal auto or home insurance policies with Intact.

Already an Intact customer? View your documents online at our Intact Client Centre page.

The Client Centre is easily accessible via both the Intact and Brokerlink websites, or through the Intact Insurance app, available on iTunes and Google Play. This provides a secure, convenient, and paperless (environmentally friendly) way to keep track of important insurance documentation.

Having your insurance information at your fingertips can be especially valuable during emergency situations where collecting your documentation is not an option. 

Still want to receive paper copies of your insurance documents? No problem! This option can be easily selected on your profile page in the Client Centre, or just contact your broker and we can make sure you get hard copies.

You can access billing information, including a billing schedule and the amount owed for your next payment through the Client Centre. Also, through the app or Intact’s secure website, you can both make and track payments.

In addition to allowing customers to track the status of their claims, the Client Centre also provides information regarding how to file a claim, what to expect during the claims process, and next steps once a claim has been filed.

Some things you still have to do the old fashioned way: policy changes, such as updating your address or vehicle information cannot be made directly through the Client Centre. However, once you’ve done this with your broker, the changes will be reflected in Client Centre within 24 hours.

Visit the Intact Client Centre

Intact my Drive


Intact’s my Drive program provides customers with a 5% discount on personal auto policies just for enrolling. Through safe driving habits, you can receive up to a 30% discount on their premiums which will be applied starting midterm.

When using my Drive, your driving habits are regularly updated so you have the chance to maintain or potentially increase your savings every 6 months

Your my Drive statistics can be viewed through the Intact Insurance app. Reminders, feedback, and tips on how to improve your discount are also available through the app.

How it works

Once you have downloaded the Intact Insurance app and registered for my Drive, the app does all the work. The Intact Insurance app tracks driving behaviour such as: hard braking, rapid acceleration and distractions (e.g. using your smartphone to talk or text).

Each data collection period lasts 6 months. During this period, customers must drive a minimum of 1000 km to receive a discount on their premiums.

The my Drive program uses approximately 3% to 6% of your smartphone’s battery life per hour (the same as any other app which uses your location).

Cellular data is a requirement for using the app which uses, on average, 1.5% to 6% of the data on the average monthly 1000 – 2000 MB data plan.


Although the app has the ability to track phone use, your phone calls and any messages exchanged will not be recorded.

In the case of an accident, police cannot access the information stored by the app or collected by Intact without your consent or the proper legal authorization.

Contact BrokerLink for help finding the right Intact Insurance

If you think Intact offers the right insurance for you, get in touch with BrokerLink! We can help you find a great Intact Insurance plan that fits your lifestyle.


FAQs about Intact Insurance

Who is Intact Insurance owned by?

Intact Insurance is part of Intact Financial Corporation (IFC). IFC is a publicly traded company that is traded on the Toronto Stock Exchange. That means anyone can own part of IFC – you just have to buy shares! Other companies under the IFC umbrella include BrokerLink, belairdirect and Intact Specialty Solutions, just to name a few.

What kind of insurance does Intact provide?

Intact provides many different types of insurance! They offer home, car, business, condo, boat, ATV and snowmobile insurance and much more.

Where is Intact Insurance located?

Intact’s corporate headquarters are located in Toronto. They operate in every province and have other corporate offices across Canada, including Dartmouth, Montreal, Calgary, Edmonton and Vancouver. If you’re looking to purchase insurance, Intact works with thousands of insurance brokers across the country who can help you find the right insurance.