Intact Insurance Company

You have two paths to purchasing Intact car insurance.

Your first option is to purchase directly through Intact's direct agency belairdirect.

The second option would be via one of Intact Insurance Canada's approved insurance brokerages, such as RH insurance. Brokerages are certified resellers of insurance products for various insurers across Canada. Each brokerage establishes agreements with individual insurance companies to offer their complement of products.

The benefit of purchasing directly is that you're connecting with the source. However, they're only experts on their own products.  They only want to sell what they have to offer, not scour the market on your behalf for the best rate.

Alternatively, purchasing from an insurance broker is that they have a better understanding of what’s in the market and can provide you with a less biased take on what’s available to you. They can modify to suit the policy to your needs, not necessarily lining the pockets of the company for whom they work.

The primary drawback of purchasing insurance from a broker versus going direct is that it may cost you a bit more than if you had chosen to purchase directly from an insurer. As always, we recommend you take the time to shop and compare insurance providers to make sure you are getting the best policy for the right price to meet your needs.

Yes, in fact, all insurance companies offer Accident Forgiveness through a standard endorsement form, SEF39 (For Ontario car insurance, it's known as OPCF39). Know that if you have an accident with another insurer, it can take up to 6 years to reset the accident forgiveness. Generally speaking, you have to stay with the insurance company until the reset occurs. 

Yes, in fact, all insurance companies can cover rental cars through a standard endorsement from (SEF). In Ontario, it's an Ontario Policy Change Form and for Quebec car insurance it's QEF. 

There are two ways that your insurance company can cover rental cars. 

Endorsement #27 ports your existing car insurance to the rental car so you can avoid paying the rental car insurance. 

Endorsement #20 gives you a rental car if your car ends up in the repair shop due to an insured peril. In other words, if you're in an accident and your car needs repairs, your insurance company will pay for the rental car. 

To cancel with any insurance company, it's as simple as calling them, or your broker. However, knowing when to cancel is another question altogether. If you're cancelling mid-policy, you may be subject to fees or even paying out the remainder of your contract. For more details, read our blog on cancelling your insurance.