Intact Insurance in Quebec — Official Partner Broker AccesDirect

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Who is Intact Insurance?

Intact Financial Corporation is Canada’s largest property insurer, with a network serving more than 5 million customers across the country. Founded in Quebec City in 1809 under the name La Garantie Insurance Company, Intact has evolved through several mergers — notably with ING Canada in 2009 and RSA Canada in 2021 — to become the dominant player in the Canadian market. In Quebec, Intact holds approximately 20% of the auto and home insurance market.

The company stands out for its massive investment in technology: climate data center, artificial intelligence for claims management, and one of North America’s largest telematics programs (Intact Drive). Intact employs more than 20,000 people and manages more than 13 billion dollars in annual premium subscriptions.

Intact Insurance products available through AccesDirect

At AccesDirect, certified independent broker, we distribute the complete range of Intact Insurance products to meet the needs of individuals and businesses in Quebec:

Intact Drive Program — Up to 25% telematics discount

Intact Drive is one of Canada’s most advanced telematics programs. Via a mobile app, your driving habits are analyzed over 3-6 months: hard braking, rapid acceleration, night driving, speed and mileage.

Safe drivers can receive up to 25% discount on their auto insurance premium starting at first renewal. This is particularly advantageous for young drivers and those with an imperfect record seeking to prove they’ve changed their habits.

AccesDirect can enroll you in Intact Drive during your quote and explain the discount criteria.

The advantages of Intact Insurance in Quebec

  • A+ Financial strength (A.M. Best rating) — Canada’s largest insurer, long-term stability.
  • 24/7 Claims management — dedicated line, online reporting via Intact app.
  • Multi-product discounts — save up to 15% by combining auto + home with Intact.
  • « Replacement Value » coverage (FAQ 43A) — your new vehicle is replaced at 100% purchase price in case of total loss within first 2 years.
  • My Advantage program — loyalty rewarded: claims-responsible discount, homeowner discount, group insurance discount.
  • Climate protection included — floods, sewer backups, earthquakes available as optional coverage.

Why go through AccesDirect instead of directly with Intact?

Contacting Intact directly limits you to a single quote: Intact’s. By going through a partner broker like AccesDirect, you get several concrete advantages:

  • Comparison with 20+ insurers — Intact, Belair Direct, Beneva, Desjardins, Promutuel, Aviva, La Capitale, Echelon, L’Unique, Pafco, Jevco and more. You see if Intact is truly the best option for your profile.
  • Free service — our compensation is paid by insurers, not by you.
  • Negotiation in your favor — in case of claim or dispute, we represent YOUR interests.
  • Renewal managed for you — each year, we recheck if Intact remains the best option or if a switch is worthwhile.
  • Local presence — brokers in our partner firms know Quebec’s specificities (law 30, specific FAQs, flood zoning).

Our partner insurer Intact Insurance offers tailored insurance products adapted to your needs.

Intact Insurance, Canada’s largest auto, home and business insurance company serving three million customers nationwide, earned the highest customer satisfaction score among private auto insurers in Quebec according to a recent J.D. Power and Associates® study.
Soumission auto sous standard (#7)
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They also confirm the unique and personalized experience that our approximately 475 insurance brokers in Quebec provide to their clients every day. While our mission is to protect the things that matter to customers — their home, car and business — at Intact we believe insurance is ultimately about people. The study awarded Intact Insurance 842 points on a 1000-point scale. Intact Insurance stood out in three categories: quality of client interaction, costs/premiums, and quality of claims services. The 2010 study on auto insurance consumer satisfaction across Canada, conducted by J.D. Power and Associates®, is based on responses from approximately 10,000 policyholders. Published for the third consecutive year, it evaluates consumer satisfaction based on five categories: quality of interaction, costs/premiums, range of products offered, billing and payment, and quality of claims services.  

A matter of strength, stability and trust

  • Trust. Customers who have filed claims with Intact Insurance show a very high satisfaction rate. For good reason: with our Customer Service Guarantee, you’ll be in direct contact with one of our advisors within 30 minutes of your call. (Some conditions may apply).
  • Strength. Intact Financial Corporation received the long-term issuer rating A3 from Moody’s Investors Services, while its five main insurance subsidiaries were given the financial strength rating Aa3.
Return to normal life with Intact Insurance
After an event, life resumes.
Intact Insurance

Return to normal life

Intact Insurance knows very well that you have specific needs that change with your life. That’s why we offer you tailor-made solutions, flexible products that you can also combine to get more complete coverage.

At Intact Insurance, Canada’s largest auto, home and business insurance company, we protect more than three million customers. This presence across the country means we can work closely with your insurance broker to give you the exceptional service, security and consistency you expect. Only your insurance broker can help you find the best boat insurance, auto, business or home insurance for you. You get insurance to protect the things that truly matter to you. So the coverage you choose for yourself or your business must absolutely reflect who you are. At Intact Insurance, we rely on our presence from coast to coast and the strong relationships we have with brokers who live and work in your community to always be close to you. Result: you benefit from high-quality service provided by people you trust, in a context focused on well-being and continuity.
Proximity and advice

A team near you

We insure and protect the things you care about: your car, your home, your business. But really, it’s you we prioritize. Because, like you, we know insurance is about people, not things. What really matters is you and how you’d like to feel after an accident or unexpected event has disrupted your life. Because you want to get back to normal and have everything return as it was before.

Proximity and advice from a partner broker
The priority is you.

About Intact Insurance

Intact Insurance is Canada’s largest auto, home and business insurer protecting three million consumers. Our presence across the country and close relationships with insurance brokers allow us to offer our clients the exceptional service, security and consistency they expect. Intact Insurance is a member company of Intact Financial Corporation (TSX: IFC). An unexpected event can happen anytime. When it does, you want immediate help filing your claim. At Intact Insurance, our mission is to help you start fresh and get back to normal as quickly as possible. And that means giving you a claims experience marked by simplicity, fairness and respect. It’s best to contact your insurance broker first. They know you and can give you the best advice for your situation. But if you can’t reach your broker, know that we’re always there to begin the claims process with you. To report a claim, contact our 24/7 Claims Service at . We guarantee that within 30 minutes of your call, you’ll speak to an Intact Insurance claims advisor who can help you, or we’ll pay you an amount equivalent to your annual premium, up to $1,000.* That’s our Customer Service Guarantee. In case of auto accident, we’ll take your word for it. A claims advisor will confirm your deductible and accident circumstances based on your description and will start the claims process before even receiving the police report or third party information. If you suffer an insured loss, you want priority service and quality repairs. That’s what the auto technicians and building restoration contractors in our Confidence NetworkMD provide. They always work with quality materials and workmanship. You can trust them: their work is guaranteed as long as you own the residence or vehicle. Do you have good coverage? For more details on our products, services or Intact insurance, Get a quote online quickly!

Frequently Asked Questions — Intact Insurance

Is Intact Insurance well established in Quebec?

Yes, Intact Insurance is Canada’s largest property insurer and has a strong presence in all regions of Quebec. With more than 400 partner brokers in the province, you can easily access its products through AccesDirect (comparator operated by AccesDirect brokerage firm, certified).

What insurance products does Intact offer in Quebec?

Intact offers a complete range: auto insurance, home, condo, tenant, business, recreational vehicles (motorcycle, ATV, snowmobile) and agricultural insurance. It’s one of the few insurers to cover so many needs under one roof.

What is the Intact auto repair network?

Intact Network is a program that guarantees the quality of repairs done in partner shops. In case of auto loss, you benefit from a lifetime warranty on repairs done in a network shop, which is a concrete advantage for policyholders.

How does Intact’s claims service work?

Intact offers claims service available 24/7. You can report a loss online, by phone or via the Intact app. Processing times are generally fast, with settlement often completed within a few business days.

Are Intact’s rates competitive in Quebec?

Intact’s rates vary depending on your profile, but the insurer is known for offering competitive prices, especially for customers with no history. Using AccesDirect lets you compare Intact with 20+ other insurers to find the best offer.

What is the difference between Intact and an insurance broker?

Intact is the insurer — it covers your risks and pays claims. AccesDirect is your partner broker: it compares Intact with other insurers, represents you in case of loss. The broker’s service is free for you.

What is the Intact Drive program (telematics)?

Intact Drive is a connected driving program that analyzes your driving habits via mobile app. Safe drivers can get discounts up to 25% on their auto insurance premium, an interesting advantage for good drivers.

Is Intact a good option for farm insurance?

Yes, Intact has a specialized agricultural insurance division covering farm buildings, equipment, livestock and liability. It’s one of the most complete options available in Quebec for farm operations.

What happens at auto insurance renewal with Intact?

Intact sends a renewal notice about 30 days before expiry. That’s the right time to compare with other insurers through AccesDirect — even a good customer should check that their rate stays competitive each year.

How do I contact Intact Insurance through AccesDirect?

Fill out the online form on AccesDirect.com: our team of partner brokers will compare Intact’s offers with 20+ other insurers and submit the best option for your profile, free and with no obligation.

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