Intact Insurance Review 2026 — Auto & Home Insurance QC
Our Verdict
Intact Insurance (6.9/10) is a solid direct auto insurer in Quebec, well supervised by the AMF and equipped with a good app. Its offering is balanced, without clearly distinguishing itself on price or claims service.
Intact Insurance benefits from the financial strength of the Intact group, with clear documentation. The digital experience is a real strong point thanks to the Intact Insurance app and the comprehensive client portal. Coverage remains standard, with interesting options like replacement value and a loaner vehicle.
Coverage Summary
Intact Insurance offers an online auto insurance quote in Quebec. As a benchmark, it cites the Groupement des assureurs automobiles (GAA): the average cost of auto insurance in Quebec was $1,067 per year in 2025; the premium varies with the vehicle, place of residence, driving experience, coverage and deductible, and discounts can reduce it.
Detailed Scores
| Criterion | Score | Weight | Comment |
|---|---|---|---|
| AMF compliance | 7/10 | 5 % | AMF-authorized (Intact Compagnie d'assurance). Major Quebec insurers well supervised. |
| Coverage breadth | 7/10 | 20 % | Complete standard coverage + optional replacement value + loaner vehicle included on some packages. Glass breakage available as an option. |
| Digital experience | 8/10 | 10 % | Intact Insurance app well rated; complete client portal; claims reporting and tracking; digital documents available. |
| Discounts & loyalty | 7/10 | 5 % | Ma conduite program (telematics, 15% discount on activation), auto + home multi-risk discount, employer affinity partnerships. |
| Reputation & reviews | 7/10 | 5 % | App rated 4.5/5 on the App Store and 4.4/5 on Google Play. |
| Claims service | 7/10 | 20 % | Claims reporting via mobile app, network of certified collision centres. 24/7 support. |
| Pricing & premium | 6/10 | 25 % | Fast online quote; some discounts (multi-risk, good driving). |
| Pricing transparency | 7/10 | 10 % | Summary of coverage available online. No cancellation penalty at expiry; cancellation fees apply mid-term. |
Strengths
- Solid AMF compliance: clear authorization
- Well-rated mobile app (4.5/5 on the App Store) with claims reporting and file tracking
- Replacement value option for recent vehicles
- Auto + home multi-risk discount of up to 15% and Ma conduite telematics program (15% discount on activation for a new customer)
- Comprehensive client portal and accessible digital documents
- Rely Network of approved repair shops, whose repairs are guaranteed for as long as the policyholder owns the vehicle
Weaknesses
- With Ma conduite, the premium may go up at renewal depending on driving habits
- Cancelling mid-term incurs cancellation fees (no penalty at expiry)
Who Is It For?
- Quebec drivers looking for a direct insurer backed by a large financial group
- Users comfortable with 100% online and mobile management
- Owners of recent vehicles interested in replacement value
- Policyholders wanting to bundle auto and home to obtain a multi-risk discount
- People prioritizing regulatory compliance and Intact's reputation for strength
Not Ideal For…
- Owners of older vehicles wanting replacement value
Alternatives
- Sonnet — 100% online insurer from the Definity family of companies, which notably offers a claims-free discount.
- Belairdirect — Direct-to-consumer experience with a recognized app and comparable telematics programs.
- Desjardins Assurances — Major Quebec institution and a large service network.
How this review was conducted
This review is a documentary assessment. It is based on Intact Insurance's public interface, its published pricing and publicly available information, as recorded on 2026-05-31. No field test was carried out: no subscription, no purchase and no exchange with customer support took place. Some items were checked again on 2026-10-08 against the official pages cited. Pricing and terms change: check them on Intact Insurance's own site before you decide.
Documentary evaluation based on analysis of the public interface, displayed pricing conditions and public data, without actual purchase or subscription. No field testing was carried out and no usage period was observed. The findings are based on available documentation, app scores and public customer reviews.
This insurance product is distributed under the regulation of the Autorité des marchés financiers (AMF) of Québec. See our AMF disclosure page for more information.
Pricing information is indicative — verify current terms on the provider's website before subscribing. Affiliate disclosure.
