Intact InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Intact Insurance (Canada's largest P&C insurer) policies
Intact Financial Corporation is Canada's largest property and casualty insurer, serving more than five million customers. It reaches them through several brands — Intact Insurance and BrokerLink through brokers, and belairdirect through direct channels — so how you cancel depends on how you bought your policy.
Intact uses its own short rate schedule for early cancellations, and it is worth knowing that it starts a little higher than the industry standard: 12% retained in the first four days, where the standard table keeps just 8%.
How Intact calculates your cancellation fee
Intact's table opens at 12% retained and climbs roughly a point every few days, reaching 100% by about day 353. Find the row matching your days in force, read the “earned” percentage, and subtract it from your annual premium.
On a $1,200 policy cancelled after 90 days, Intact keeps about 34% ($408), leaving a $792 refund. A pro rata refund would return roughly $904, so the short rate penalty here is about $112— a few dollars more than the standard table would charge at the same point, reflecting Intact's slightly steeper schedule.
How to cancel your Intact Insurance policy
Your route depends on the brand: Intact Insurance and BrokerLink customers usually go through their broker, while belairdirect customers deal with Intact directly. Either way, request a cancellation quote first and confirm the effective date.
- 1Call Intact at 1-866-464-2424
- 2Or contact your broker if applicable
- 3Have your policy number ready
- 4Request a cancellation quote first
- 5Specify your desired cancellation date
Refund processing: 5-10 business days. Pre-authorized payment: 1-2 billing cycles. Cheque by mail: 2-3 weeks.
Enter your premium to see dollar amounts below
Intact Insurance Short Rate Schedule
Based on $1200 annual premium
| Days in Force | Earned % | Amount Earned | Refund |
|---|---|---|---|
| 1–4 days | 12% | $144.00 | $1,056.00 |
| 5–8 days | 13% | $156.00 | $1,044.00 |
| 9–13 days | 14% | $168.00 | $1,032.00 |
| 14–17 days | 15% | $180.00 | $1,020.00 |
| 18–21 days | 16% | $192.00 | $1,008.00 |
| 22–25 days | 17% | $204.00 | $996.00 |
| 26–29 days | 18% | $216.00 | $984.00 |
| 30–33 days | 19% | $228.00 | $972.00 |
| 34–37 days | 20% | $240.00 | $960.00 |
| 38–41 days | 21% | $252.00 | $948.00 |
| 42–45 days | 22% | $264.00 | $936.00 |
| 46–49 days | 23% | $276.00 | $924.00 |
| 50–53 days | 24% | $288.00 | $912.00 |
| 54–57 days | 25% | $300.00 | $900.00 |
| 58–61 days | 26% | $312.00 | $888.00 |
| 62–65 days | 27% | $324.00 | $876.00 |
| 66–69 days | 28% | $336.00 | $864.00 |
| 70–73 days | 29% | $348.00 | $852.00 |
| 74–77 days | 30% | $360.00 | $840.00 |
| 78–81 days | 31% | $372.00 | $828.00 |
| 82–85 days | 32% | $384.00 | $816.00 |
| 86–89 days | 33% | $396.00 | $804.00 |
| 90–93 days | 34% | $408.00 | $792.00 |
| 94–97 days | 35% | $420.00 | $780.00 |
| 98–101 days | 36% | $432.00 | $768.00 |
| 102–105 days | 37% | $444.00 | $756.00 |
| 106–109 days | 38% | $456.00 | $744.00 |
| 110–113 days | 39% | $468.00 | $732.00 |
| 114–117 days | 40% | $480.00 | $720.00 |
| 118–121 days | 41% | $492.00 | $708.00 |
| 122–125 days | 42% | $504.00 | $696.00 |
| 126–129 days | 43% | $516.00 | $684.00 |
| 130–133 days | 44% | $528.00 | $672.00 |
| 134–137 days | 45% | $540.00 | $660.00 |
| 138–141 days | 46% | $552.00 | $648.00 |
| 142–145 days | 47% | $564.00 | $636.00 |
| 146–149 days | 48% | $576.00 | $624.00 |
| 150–153 days | 49% | $588.00 | $612.00 |
| 154–157 days | 50% | $600.00 | $600.00 |
| 158–161 days | 51% | $612.00 | $588.00 |
| 162–165 days | 52% | $624.00 | $576.00 |
| 166–169 days | 53% | $636.00 | $564.00 |
| 170–173 days | 54% | $648.00 | $552.00 |
| 174–177 days | 55% | $660.00 | $540.00 |
| 178–181 days | 56% | $672.00 | $528.00 |
| 182–185 days | 57% | $684.00 | $516.00 |
| 186–189 days | 58% | $696.00 | $504.00 |
| 190–193 days | 59% | $708.00 | $492.00 |
| 194–197 days | 60% | $720.00 | $480.00 |
| 198–201 days | 61% | $732.00 | $468.00 |
| 202–205 days | 62% | $744.00 | $456.00 |
| 206–209 days | 63% | $756.00 | $444.00 |
| 210–213 days | 64% | $768.00 | $432.00 |
| 214–217 days | 65% | $780.00 | $420.00 |
| 218–221 days | 66% | $792.00 | $408.00 |
| 222–225 days | 67% | $804.00 | $396.00 |
| 226–229 days | 68% | $816.00 | $384.00 |
| 230–233 days | 69% | $828.00 | $372.00 |
| 234–237 days | 70% | $840.00 | $360.00 |
| 238–242 days | 71% | $852.00 | $348.00 |
| 243–245 days | 72% | $864.00 | $336.00 |
| 246–249 days | 73% | $876.00 | $324.00 |
| 250–253 days | 74% | $888.00 | $312.00 |
| 254–257 days | 75% | $900.00 | $300.00 |
| 258–261 days | 76% | $912.00 | $288.00 |
| 262–265 days | 77% | $924.00 | $276.00 |
| 266–269 days | 78% | $936.00 | $264.00 |
| 270–273 days | 79% | $948.00 | $252.00 |
| 274–277 days | 80% | $960.00 | $240.00 |
| 278–281 days | 81% | $972.00 | $228.00 |
| 282–285 days | 82% | $984.00 | $216.00 |
| 286–289 days | 83% | $996.00 | $204.00 |
| 290–294 days | 84% | $1,008.00 | $192.00 |
| 295–297 days | 85% | $1,020.00 | $180.00 |
| 298–301 days | 86% | $1,032.00 | $168.00 |
| 302–305 days | 87% | $1,044.00 | $156.00 |
| 306–309 days | 88% | $1,056.00 | $144.00 |
| 310–313 days | 89% | $1,068.00 | $132.00 |
| 314–317 days | 90% | $1,080.00 | $120.00 |
| 318–321 days | 91% | $1,092.00 | $108.00 |
| 322–325 days | 92% | $1,104.00 | $96.00 |
| 326–329 days | 93% | $1,116.00 | $84.00 |
| 330–333 days | 94% | $1,128.00 | $72.00 |
| 334–337 days | 95% | $1,140.00 | $60.00 |
| 338–341 days | 96% | $1,152.00 | $48.00 |
| 342–345 days | 97% | $1,164.00 | $36.00 |
| 346–349 days | 98% | $1,176.00 | $24.00 |
| 350–352 days | 99% | $1,188.00 | $12.00 |
| 353–365 days | 100% | $1,200.00 | $0.00 |
How Intact compares
Intact's schedule runs a few points steeper than the standard table used by Aviva, CAA, Pembridge, and others — closer to TD and Desjardins on the firmer end of the range. The trade-off many customers accept is scale and brand choice: with Intact, belairdirect, and BrokerLink under one roof, you may be able to switch products within the group, which can sidestep the short rate penalty entirely. Standard pro rata exceptions (vehicle sold, moved provinces, total loss) still apply.
Tips to minimize penalties
- • Check your channel — if you bought through a broker, contact them first. They may offer alternatives or negotiate better terms.
- • Review multi-line discounts — cancelling one policy may affect discounts on other Intact policies (auto, home, pet).
- • Ensure continuous coverage — have new coverage in place before cancelling to avoid a lapse on your record.
Frequently Asked Questions
How much is the Intact Insurance cancellation fee?
Intact uses a short rate table rather than a flat fee, and it starts a little higher than the industry standard. On a $1,200 policy cancelled after 90 days, Intact keeps about 34% ($408) and refunds $792. A pro rata refund would return roughly $904, so the short rate penalty in this example is about $112.
Does Intact Insurance charge a separate cancellation fee?
No. There is no standalone administrative fee; the penalty is built into the short rate calculation. Depending on how you bought your policy, you may deal with Intact directly or through your broker.
How do I cancel my Intact Insurance policy?
Call Intact at 1-866-464-2424, or contact your broker if you purchased through one. Have your policy number ready and request a cancellation quote before confirming so you understand the short rate penalty.
Is Intact Insurance a large company?
Yes. Intact Financial Corporation is Canada’s largest property and casualty insurer, serving more than five million customers through brands including Intact Insurance, belairdirect, and BrokerLink.
How long does an Intact refund take?
Refunds are typically processed within 5-10 business days. Pre-authorized payments may take 1-2 billing cycles, and a cheque by mail can take 2-3 weeks.
Sources & Verification
- ·Intact private-passenger-vehicle short rate table (Ontario schedule), cross-checked against the standard Canadian short rate table.
- ·Intact service line (1-866-464-2424) and broker channel for current cancellation procedures.
- ·Reviewed by the CostExpert editorial team. Figures are estimates — confirm your exact refund with Intact or your broker before cancelling.
Reviewed by CostExpert Editorial Team · Last verified June 2026
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