Question 1

Do I need business insurance to drive to work?

Accepted Answer

If you're driving to your nine to five and don't have a pickup truck full of power tools, you most likely only require personal insurance. Talk to a broker to make sure!

Question 2

What is the benefit of an insurance broker?

Accepted Answer

An insurance broker knows insurance inside and out. When it comes to insurance, brokers don't go with a "one size fits all" approach. We know what questions to ask so we can find a solution that makes sense for you. The biggest benefit of going with a broker is having peace of mind knowing the things most important to you are protected.

Question 3

How do insurance companies determine premiums?

Accepted Answer

Insurance companies determine premiums in different ways. When it comes to car insurance, there are a lot of factors:

Your insurance history. How long you’ve been insured in the province you’re looking to get insurance in is one thing the insurance company considers.
If you’ve been in any accidents or if you’ve received speeding tickets, the insurance companies will take that into account.
How you use the vehicle is important. Is it for personal use, or is it part of your business?
Companies take into account how much you drive. If you have a long commute it could increase your rate.
Where you live is a huge factor in determining your rate.

When determining home insurance premiums, the factors are different:

Your claims and insurance history
Where you live
What coverages you’ve selected. When it comes to home insurance, there is a lot of optional coverages to consider which will affect the premium.

Question 4

What do I do if I have a claim?

Accepted Answer

For all new or existing claims, please reach out to your local branch for guidance. If you are an Intact Insurance customer, please visit Intact Client Centre or download the Intact App to submit a new auto claim or to track claims in real time.

Question 5

Can I put my insurance on hold?

Accepted Answer

We are not able to temporarily suspend a policy. However, if you are driving less we may be able to modify your coverage to meet your current needs.

Question 6

How do I get my proof of insurance (pink slip)?

Accepted Answer

Most insurance carriers offer digital pink slips. Your broker can send this to you via email.

For Intact Insurance customers with personal insurance

With the Intact App and Client Centre you can:
- Make a payment via Client Centre or online at intact.ca
- Access your insurance documents, digital pink slip and billing statements anytime, anywhere
- Submit an auto claim and track claims in real time
- Download the Intact App today or register at Intact Client Centre

To download the Intact Client Centre app, visit the app store for your device here:

Question 7

What’s the difference between title and registration?

Accepted Answer

Title refers to who owns the vehicle. Registration means the car is registered with the government and can legally be driven.

Question 8

How do I choose a good insurance broker?

Accepted Answer

Having an insurance broker in your corner can help you get the right insurance plan. To choose an insurance broker, make sure they have the required license in your province. (For example, in Ontario, insurance brokers require a RIBO license.) Check out their website and Google reviews to make sure they are reputable. Ask friends and family for recommendations. Most brokers will offer a free, no-obligation quote. Use this as an opportunity to ask questions and make sure you feel comfortable with the broker.

Question 9

Do I have to use an insurance broker in Canada?

Accepted Answer

You do not have to use an insurance broker in Canada. Some insurance companies allow you to buy insurance from them directly. However, many insurance companies only offer their products through insurance brokers. Your best bet is starting with an insurance broker. They’ll give you a free, no-obligation quote whether you’re looking for auto, home or business insurance. They’ll also be able to answer any questions you have about insurance.

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