Intact Insurance Review 2026: Is It Cheapest in Ontario?
Intact Insurance is Canada’s largest auto insurer.
In 2026, I switched to Intact from TD and saved $396 per year on car + home in Ontario.
But Intact isn’t cheapest for everyone.
Intact sells direct and through brokers.
They own Belairdirect and BrokerLink.
The hook: they accept drivers with tickets/claims that TD and PC decline.
Get covered for $2M liability + collision.
Intact Insurance Car Insurance Rates 2026
I got quotes for 2026 in Toronto, Ottawa, and Hamilton.
Intact beats TD if you have 1+ minor ticket.
- 35yo, clean record: $178 per month → Toronto, full coverage. TD is $161.
- 28yo, 1 speeding ticket: $169 per month → Ottawa, full coverage. TD is $198.
- 45yo, home bundle: $211 per month total → Hamilton. TD is $201.
- 22yo, 1 at-fault 2023: $215 per month → Toronto, liability only. TD declined.
So, Intact loses to PC and TD for clean drivers.
Intact wins if you have 1 minor ticket, 1 at-fault, or are under 25.
TD and PC auto-decline high-risk drivers. Intact takes them.
Intact myDriving App – Telematics Discount 2026
Intact’s version of TD MyAdvantage.
I tested it 90 days.
How it works:
1. Download myDriving app
2. Drives with you 90+ days
3. Scores braking, acceleration, speed, time, distance
4. Discount: 5% to 25% at renewal
My score: 79/100 = 12% discount. Saved $256 per year.
Catch #1: Score below 60 = 0% discount. No surcharge like TD.
Catch #2: Intact sells your driving data to brokers after 2 years.
Catch #3: Must drive 1,000km in 90 days or discount drops to 5%.
Intact Home Insurance Rates 2026
I bundle home for 10% multi-policy discount.
Intact is cheaper than TD for older homes.
My 2026 Ontario home quote:
- 3-bed detached, 1950 sq ft, built 1998
- $550K dwelling, $110K contents, $2M liability
- Intact: $111 per month or $1,332 per year
- TD: $98 per month
- PC: $89 per month
Intact was most expensive, but gave $50K water backup vs PC’s $10K.
My basement flooded in 2023. I pay extra for coverage.
Pros of Intact Insurance 2026
- Accepts high-risk drivers: 1-2 minor tickets, 1 at-fault. TD/PC decline these.
- Best broker network: 6,000 brokers Canada-wide. Human help vs TD/PC online-only.
- Claim Forgiveness: First at-fault doesn’t spike your rate. Saves $800-$1,200.
- myDriving app: Up to 25% discount. No surcharge risk like TD MyAdvantage.
- Water coverage: $25K overland water standard with endorsement. PC only gives $10K.
Cons of Intact Insurance 2026
- Expensive for clean drivers: 8-15% higher than PC/TD if you have zero tickets.
- Low multi-policy discount: 10% vs TD’s 15% and PC’s 15%.
- Broker fees: Some brokers charge $25-$50 service fee. TD/PC direct have $0.
- Slow online quote: 12 minutes vs PC’s 5 minutes. Site crashes on weekends.
- Sells your data:[STRIPPED]strong> myDriving data sold to third parties after 24 months.
Intact vs TD vs PC Insurance 2026
We compared 3 insurers for a 35-year-old in Toronto:
- Intact: $178 per month → Best for tickets, claims, young drivers
- TD Insurance: $161 per month → Best for alumni, professionals
- PC Insurance: $142 per month → Best for Loblaws shoppers
So, Intact wins if you have tickets or claims.
TD wins if you qualify for alumni discount.
PC wins for clean 35yo Loblaws shoppers.
How to Get Intact Insurance Quote 2026
1. Go to intact.ca
2. Click “Get a Quote” > Auto or Home
3. Enter postal code, car VIN, driver history. Takes 12 min.
4. Add myDriving telematics for 12% discount.
5. If approved, policy starts next day. Pink slip emailed in 15 min.
Final Verdict – Is Intact Insurance Worth It in 2026?
Buy Intact Insurance if: You have 1-2 minor tickets, 1 at-fault claim in last 6 years, are under 25, or need broker support. Intact approves drivers TD and PC reject.
Skip Intact Insurance if: You have zero tickets, qualify for TD alumni discount, or shop at Loblaws weekly. PC and TD are 10-18% cheaper for clean drivers.
My 2026 cost: $178 car + $111 home = $289 per month. Minus 10% bundle + 12% myDriving = $246 per month effective. That beat TD by $33 per month because TD declined me for my 2023 ticket.
Get quotes from Intact, TD, and PC. If you have any ticket or claim, Intact wins 80% of the time.
Related: TD Insurance Canada 2026 Review | PC Insurance Review 2026 | Economical Insurance 2026