Covid-19 relief from Intact Insurance?

[16hypen3sp]

Anyone get the Covid-19 relief email from Intact Insurance? Something about getting up to a full month payment back....

[never]

Anyone get the Covid-19 relief email from Intact Insurance? Something about getting up to a full month payment back....

I already got a $300 refund from Intact.

[adam c]

I received 270 from intact, which was nice even though I just renewed in March

[ExtraSlow]

Jesus so I guess that wasn't spam? Huh, I'll look for it.

EDIT: Wait, so you log in, and click one button, and that's it? I feel like they would want more details, wouldn't they??

[adam c]

Yep that's it, I didn't get an email for it, found out from someone else

[16hypen3sp]

Jesus so I guess that wasn't spam? Huh, I'll look for it.

EDIT: Wait, so you log in, and click one button, and that's it? I feel like they would want more details, wouldn't they??

Haha yah. Seems unbelievably easy. Still, good that it’s nice and simple.

[bjstare]

I wouldn't have known about this if it wasn't for this thread. Beyond.ca to the rescue.

[ExtraSlow]

I wouldn't have known about this if it wasn't for this thread. Beyond.ca to the rescue.

Same bro. I thought it was spam. Had to pull out of my deleted emails.

[LilDrunkenSmurf]

Mine was denied, because it doesn't apply to motorcycle insurance, which makes sense, but I figured I'd still try.

[Tik-Tok]

I didn't get an email, I just logged on to see why my rates went down, and then up just before renewal, and it was on the first page.

[16hypen3sp]

Mine is approved!! I wonder how much I'll get. Hopefully huuuuuuuuuuuge money.

[adam c]

Mine is approved!! I wonder how much I'll get. Hopefully huuuuuuuuuuuge money.

it's 1 month of your car premium

[16hypen3sp]

it's 1 month of your car premium

So... huge money then.

[shakalaka]

Masked Bandit

Is the situation about the above still as per what we discussed or is there more/different information out there about it now?

[Masked Bandit]

Masked Bandit

Is the situation about the above still as per what we discussed or is there more/different information out there about it now?

I don't know anything about this but enough of you guys have my email address, forward me one of these notices and I'll look into it. My initial thoughts...there's no free lunch, there's a catch somewhere.

[ExtraSlow]

I've sent you the email Bill.

[Masked Bandit]

Okay kids, so after some investigation I'm prepared to make a statement on this. I'm going to quote something I sent to another Beyonder this morning:

"Truthfully I don’t know what the angle is but I can promise you that from working with Intact (and really all insurance companies) for more than two decades now, they don’t do ANYTHING without an angle that works in their favour somewhere at some point. I have my suspicions as to what’s going on but nothing I’m willing to put in writing. For the time being, Intact has had their hand slapped by regulators for this stunt but I guess take the money? Because they initiated contact I can’t see how coverage would be an issue now or down the road but I suspect this will come back around at some point."

Remember, by saying yes to this you are stating in writing that your day to day driving behaviour is fundamentally different than what your policy is rated for. If you're already rated for pleasure only (working from home) as a lot of policies are, have your driving habits truly changed in the recent past or are you already receiving a discounted rate for that reality? If you're working from home but being rated for commuting are you okay with being bought off for a one time credit or perhaps you should review your policy with your broker and take the lower rate on an ongoing basis, not just once?

I have to be careful with how much I say about this as there are other factors at play on my end that should be kept to myself. I will say however that when the world un-fucks itself and we can go back to the consumption of libations in a public setting with whomever we choose, I may very well be persuaded to speak openly and uncensored about my true thoughts on the matter for a simple bribe of a beverage or plate of wings.

[flipstah]

I dropped Intact for RBC/Aviva because my premium went 100% on renewal; Aviva halved it back to usual.


Okay kids, so after some investigation I'm prepared to make a statement on this. I'm going to quote something I sent to another Beyonder this morning:

"Truthfully I don’t know what the angle is but I can promise you that from working with Intact (and really all insurance companies) for more than two decades now, they don’t do ANYTHING without an angle that works in their favour somewhere at some point. I have my suspicions as to what’s going on but nothing I’m willing to put in writing. For the time being, Intact has had their hand slapped by regulators for this stunt but I guess take the money? Because they initiated contact I can’t see how coverage would be an issue now or down the road but I suspect this will come back around at some point."

Remember, by saying yes to this you are stating in writing that your day to day driving behaviour is fundamentally different than what your policy is rated for. If you're already rated for pleasure only (working from home) as a lot of policies are, have your driving habits truly changed in the recent past or are you already receiving a discounted rate for that reality? If you're working from home but being rated for commuting are you okay with being bought off for a one time credit or perhaps you should review your policy with your broker and take the lower rate on an ongoing basis, not just once?

I have to be careful with how much I say about this as there are other factors at play on my end that should be kept to myself. I will say however that when the world un-fucks itself and we can go back to the consumption of libations in a public setting with whomever we choose, I may very well be persuaded to speak openly and uncensored about my true thoughts on the matter for a simple bride of a beverage or plate of wings.



Interesting they'd do that. I remember receiving a letter from them about my home insurance policy changing due to COVID. When you received the letter/email to get COVID relief, did you have to acknowledge or click saying 'I agree'? That's the equivalent of a signature

[mr2mike]

My insurance right now is basically paying to protect from driveway theft.
I'm already on the low end of kms used and I don't think they'd go for an avg of 50km a month usage.

[ThePenIsMightier]

... my true thoughts on the matter for a simple bride of a beverage or plate of wings.

My sister is a simpleton and a slut... Like, functionally retarded. You can marry her!
If I blessed your marriage, can I have the inside scoop?

[npham]

That escalated quickly. Chicken wings or human trafficking.

[Masked Bandit]

My sister is a simpleton and a slut... Like, functionally retarded. You can marry her!
If I blessed your marriage, can I have the inside scoop?


That escalated quickly. Chicken wings or human trafficking.

Fuuuuuuuu

Proof reading > Me.


The last thing I want is another bride, do you know how hard it is to keep the girlfriend a secret from the FIRST WIFE?!?!?

[ExtraSlow]

Why not both? Chicken wings AND human trafficking.

[ThePenIsMightier]

I'm super proud of this one!

[Kloubek]

My insurance right now is basically paying to protect from driveway theft.
I'm already on the low end of kms used and I don't think they'd go for an avg of 50km a month usage.

I basically drive about the same distance as you in my Rover and my wife's vehicle usage has been cut to about a third of what it used to be. She's getting a bit of a break, but I'm already as low as I can go and still have the ability to drive it. My Jaguar has been parked for nearly 2 years. FML. Guess I could have stuck with Aviva after all.

[LilDrunkenSmurf]

I went from a combined 20-25k/year across my vehicles to ~ 7k over the last year. But all my vehicles are rated for pleasure right now cause I WFH.

[Tik-Tok]

all my vehicles are rated for pleasure

Anything is if you're brave enough.

[spikerS]

I went from a combined 20-25k/year across my vehicles to ~ 7k over the last year. But all my vehicles are rated for pleasure right now cause I WFH.

ok, I will bite, what the hell are you driving that is $25,000 a year to insure? I can't even...

[Twin_Cam_Turbo]

ok, I will bite, what the hell are you driving that is $25,000 a year to insure? I can't even...

He’s talking about mileage.

[bjstare]

ok, I will bite, what the hell are you driving that is $25,000 a year to insure? I can't even...

I’m gonna go out on a very very short limb and say he meant km’s not $

[spikerS]

He’s talking about mileage.


I’m gonna go out on a very very short limb and say he meant km’s not $

OK, that went way over my head then, but it does make way more sense. I figured it had to be a typo or something.

[ThePenIsMightier]

OK, that went way over my head then, but it does make way more sense. I figured it had to be a typo or something.

Sometimes smart people do stupid things. I mean, it's never happened to me...


...



....




...



*But only because I'm stupid

[spikerS]

Sometimes smart people do stupid things. I mean, it's never happened to me...

In my defense, when I asked this question i was severely sleep deprived lol!

worked 37.5 hours in a 72 hour stretch with about 5-6 hour of total sleep.

[ExtraSlow]

well, I don't know anything about anything, but yeah, a while back I logged in and clicked one button like I said, and today $262 got direct deposited into my account. If there's a catch, then I'm caught, but I got my money.

[never]

well, I don't know anything about anything, but yeah, a while back I logged in and clicked one button like I said, and today $262 got direct deposited into my account. If there's a catch, then I'm caught, but I got my money.

At least with that payment you’re rich now so you can buy yourself out of any future problems.

[ExtraSlow]

At least with that payment you’re rich now so you can buy yourself out of any future problems.

Actual footage of me tonight.
98890

[suntan]

Judging by the way people are driving these days our premiums are going to go up pretty fast.

[bjstare]

Got my direct deposit as well. Score.

[16hypen3sp]

Nothing for me yet.

[Andy643]

Thanks to this thread I've got beer money for the weekend. :clap:

[mr2mike]

Judging by the way people are driving these days our premiums are going to go up pretty fast.

I'm not sure how some can afford to drive. It's a privilege not a right and if you're the cause of many accidents, why are your premiums not unaffordable?
I remember when I was a kid, hearing some people not being able to afford to drive because of their bad driving.
Now, that never happens.

$102 back for me.

[suntan]

I'm not sure how some can afford to drive. It's a privilege not a right and if you're the cause of many accidents, why are your premiums not unaffordable?
I remember when I was a kid, hearing some people not being able to afford to drive because of their bad driving.
Now, that never happens.

$102 back for me.

One of my friends back in the day got so many demerit points that his insurance was $500/mth. This was back in the 90s. He couldn't afford to drive after that lol.

[Tik-Tok]

One of my friends back in the day got so many demerit points that his insurance was $500/mth. This was back in the 90s. He couldn't afford to drive after that lol.

When I first moved to Calgary in '96 that's what the payment would have been on my 18yo car. No tickets either. Sold my car and took the blue limo for a year until I could afford insurance again, lol.

[suntan]

The secret back then was to go with AMA. They had great rates for younger drivers.

[Twin_Cam_Turbo]

I had a friend paying $12k a year for insurance back in school.

[suntan]

Nice. My friend had a Ford Festiva, that probably was responsible for a cheaper premium.

Paying $6K/yr for a car that was $8K new. lol. I remember how pissed he was about that.

[RX_EVOLV]

All you guys getting a rebate and I just found out our335i insurance is going up 10% on renewal next week.

[tirebob]

I went from a combined 20-25k/year across my vehicles to ~ 7k over the last year. But all my vehicles are rated for pleasure right now cause I WFH.I went from like 50/60k down to less than 10k for sure...

[bjstare]

All you guys getting a rebate and I just found out our335i insurance is going up 10% on renewal next week.

I got a rebate, but I'll be blown away if my premium doesn't go up on renewal. Easy come, easy go.

[Tik-Tok]

Mine went down with no changes, even with the rebate.

[16hypen3sp]

Got my auto deposit this morning!!!!

[suntan]

Nothing yet. How long did you guys wait?

[adam c]

It was a few days

[mr2mike]

Nothing yet. How long did you guys wait?
Less than a week.

[haggis88]

I applied yesterday when I saw this thread and got confirmation this morning it was approved. Now just waiting for the Etransfer email.

A months refund would be nice. My renewal is on the 1st and is pretty much half the price, so one months refund = 2 months paid for next year!

[haggis88]

and it was deposited this morning

[killramos]

Man. A lot of you fuckers use intact

[tirebob]

I got $96... Applied Tuesday and got the deposit today.

[2Legit2Quit]

Man. A lot of you fuckers use intact

Most of us are probably through Touchstone haha, got my rebate the other week, free dollary doos in my pocket.

[tirebob]

Man. A lot of you fuckers use intactI just use an insurance broker. They get me wherever I seem to be getting the best deal. I never have felt like I was overpaying with them compared to what others say they pay!

[mr2mike]

Most of us are probably through Touchstone haha, got my rebate the other week, free dollary doos in my pocket.

This

[Masked Bandit]

Intact is the largest P&C insurance provider in Alberta, I think somewhere around 20% - 25% market share last I heard? They've got their flaws and nobody's perfect but on the whole over the last 20 years they've been pretty good to partner with. Kind of like a long term spouse, there are days you don't LIKE them very much but there are more good days than bad.

[adam c]

I hated them when they were ING, I'm glad they're better

[suntan]

Got my rebate yesterday. $265.

[ExtraSlow]

Got my rebate yesterday. $265.

Current leader.

[suntan]

I guess I bump into too many people.

[16hypen3sp]

Current leader.

$369 for me.

[adam c]

Current leader.

270 here

[ExtraSlow]

$369 for me.

We salute you
98966

[Disoblige]

I was with Intact my entire life, lol.

Btw, getting a large refund isn't exactly the best thing. Sorry to burst your guy's bubble. It's like tax. The bigger refund you get just means you got too much taken away prior to deductions.

I only got $90 some bucks back because I already got money back in 2020 by requesting my vehicles but put on parking mode early on. At least I THINK that is what happened... Right Bill?... lol

[killramos]

Like… are you guys just getting a refund because you never altered your coverage to account for never commuting and less vehicle usage?

Cause I’m that case, I got my “refund” every month for the last year.

[Tik-Tok]

"Are you driving less, or habe your driving habits changed during the pandemic?"

"Y/N"

Changing your coverage doesn't matter. There's probably not a person in Alberta who couldn't honestly answer that question as Yes. Even driving to work every day since the start, the first 6 months my driving was changed because I drove safer with no one else on the road.

[ExtraSlow]

I lowered my coverage a year ago, got a reduced premium, and then got a big refund now. I'm no EIT, but it seems okay.

[Disoblige]

I got 3 cars and a motorbike on my insurance. Only got 90 bucks back. Just sayin. Now I wonder if I got screwed :rofl:

[ExtraSlow]

Well we are both getting screwed either way.

[mr2mike]

Like… are you guys just getting a refund because you never altered your coverage to account for never commuting and less vehicle usage?

Cause I’m that case, I got my “refund” every month for the last year.

Did that day one of wfh. So my refund cheque was less. My guess is if your refund is high, your driving habits didn't change or you didn't call to adjust.

When is 89coupe going to posts his humble brag rebate.

[killramos]

He’s got to be wealthy enough to self insure

[mr2mike]

He’s got to be wealthy enough to self insure

Real estate... Its a write off.


https://youtu.be/XEL65gywwHQ

[killramos]

I bet Aspen doesn’t even have insurance brokers, or mortgage brokers, or voles.

[ExtraSlow]

I bet Aspen doesn’t even have insurance brokers, or mortgage brokers, or voles.

Like

[Proyecto2000]

I got a cheque for $110 last week. Guess I can fill up the tank this week with that sweet gas money!