Intact Insurance: Your Rights

Matters Lawyers Handle in This Sector

• Home and property claim denials or underpayment
• Auto claims, total-loss valuation and repair disputes
• Business interruption and commercial coverage
• Cancellation or non-renewal decisions

Your Rights

• Written reasons citing the exclusion or condition relied on
• A copy of your policy and the adjuster's basis for valuation
• Internal appeal then free ombudservice escalation
• An independent appraisal in valuation disputes where the policy allows

How to Escalate a Matter

1. 1Insurer complaints officer

   First step — obtain the denial or valuation basis in writing.

2. 2General Insurance OmbudService (GIO)

   Independent dispute resolution for home, auto and business insurance.

3. 3Provincial regulator

   Market conduct oversight (AMF in Quebec, FSRA in Ontario, and equivalents).

Escalation routes and their requirements change. Confirm the current process before relying on it.

Frequently Asked Questions

I disagree with the total-loss value on my vehicle — options?

Ask for the comparables and methodology used, provide your own market evidence, and check whether your policy provides an appraisal or umpire process. Escalate to the ombudservice if unresolved.

Can my policy be cancelled mid-term?

Only on grounds and with notice permitted by the policy and provincial legislation. Request the specific basis in writing.

This page is educational information about the regulatory framework and your options in this sector. It is not legal advice, contains no complaints, ratings, reviews or rankings, and makes no statement about the conduct of any organization. LegalCounselNearMe is not a law firm and is not affiliated with Intact Insurance.