Cancellation Intact: Easy Method

What is Intact

Intact is one of Canada’s largest property and casualty insurers, offering personal lines such as home and auto insurance, usage‑based programs (myDrive), and add‑on travel products marketed as TravelWell. It distributes policies directly and through brokers and supports digital account management and claims initiation via apps and web portals.

How to cancel Intact

• Contact your broker or call Intact’s customer line at 1‑866‑464‑2424 to start cancellation, then send a written notice (email or letter) that includes your name, policy number, and the requested cancellation date. Where available, complete any insurer cancellation forms and provide the insurance certificate if required. Allow for the notice period typically around 14 days (province rules may vary). For legal certainty, consider sending a signed cancellation letter by registered mail to the head office (see Address section) and keep proof of delivery.

What happens when you cancel

When Intact processes your cancellation, coverage ends on the date you requested (or as otherwise stated in confirmation). You will no longer be covered for incidents after that date and you should stop relying on any active policy benefits. Cancellation may affect automatic renewals and any bundled discounts on remaining policies. Access to insurer apps and telematics programs (for example myDrive) may be restricted or ended after cancellation; ask Intact or your broker how your account and driving data will be handled.

Will I get a refund?

Refunds for unused premium are commonly issued on a pro‑rata or, in some cases, a short‑rate basis after the insurer confirms cancellation and receives complete written notice and documentation. For standard car insurance cancelled via the insurer or broker, refunds are typically processed by direct deposit or cheque and may take around 10 - 15 business days after approval and receipt of all required paperwork. TravelWell (travel add‑on) refund terms are not fully published online and may vary; check your policy wording or speak to your broker for specifics. There is no blanket, publicly disclosed 14‑day federal cooling‑off right for all Intact products - rights depend on the policy and provincial rules.

Intact plans and pricing

Your consumer rights in Canada

Under Canadian insurance practice and provincial regulation, auto and home policies can typically be cancelled mid‑term with proper written notice and any unused premium must be returned on a pro‑rata or sometimes short‑rate basis. There is no universal federal 14‑day cooling‑off period for all insurance products; statutory rights and cooling‑off periods depend on provincial law and the specific policy wording. For add‑on products such as TravelWell, statutory and contractual rights may vary; consult your policy documents or your provincial insurance regulator for definitive rights and timelines.

Customer experiences

Customer feedback is mixed. Many users praise Intact’s digital app experience for policy management and telematics programs, and some report smooth handling of simple claims and useful bundling discounts. TravelWell has strong app ratings and is often noted for easy, app‑enabled claims starts. Conversely, a significant volume of negative reviews cite slow or poor claims handling, communication issues, perceived low settlement offers, unexpected cancellation fees, and complaints about premium increases. Experiences vary widely by claim complexity, region, and individual circumstances.

Documentation checklist

• Policy number and full name of policyholder; requested cancellation date; signed written cancellation request (email or letter); broker name/contact or Insurer contact details; any required cancellation form(s) from Intact; insurance certificate (if requested); proof of registered mail or confirmation of delivery; forwarding details for refund (bank account or mailing address).

Common mistakes

Common errors include relying only on a phone call without providing written notice or keeping proof, omitting the policy number or exact cancellation date, assuming a universal 14‑day cooling‑off right applies, not checking whether the policy was written through a broker (who may need to submit the cancellation), and failing to confirm how refunds will be issued. Example: a policyholder who only left a voicemail may later be charged additional premium because the insurer had no record of a signed cancellation date.

Comparative recap

After cancelling

After you receive written confirmation of cancellation, keep that confirmation and any refund details. Notify any lienholders or finance companies if applicable, and arrange replacement coverage if you still need insurance. If your cancellation relates to an app subscription, manage refunds and cancellations through Google Play or the App Store. For unresolved disputes about refunds or claims handling, you can raise the issue with your provincial insurance regulator or seek advice from consumer protection resources.

Helpful links: Intact general contact and customer pages: Intact; manage Google Play subscriptions: Google Play subscriptions; manage Apple subscriptions: Apple subscriptions; industry information: Insurance Bureau of Canada.

Address

Intact Insurance Company
700 University Avenue, Suite 1500‑A
Toronto, Ontario M5G 0A1, Canada