Verified September 2026Cancellation fee guideOntario auto schedule

Intact InsuranceCancellation Fee Guide

Name: CostExpert - Insurance Cancellation Calculator
Author: CostExpert

Official short rate table and cancellation fee calculator for Intact Insurance (Intact Financial Corporation) policies

Verified against Intact Insurance's Ontario auto rulesOwn schedule · 89 bandsIn effect July 2026No minimum retained premium

Quick estimate

Auto schedule

Annual premium

Days in force

of 365

Earned

34%

of premium kept

Insurer keeps

$408

pro rata would keep $296

Your refund

$792

$112 short rate penalty

Intact earned %Pro rata your day

19%day 30

26%day 60

34%day 90

56%day 180

79%day 270

100%day 365

Estimate only — confirm with Intact Insurance before cancelling.Use exact dates

Intact Insurance is the broker-channel brand of Intact Financial Corporation, whose business was founded in 1809 with the formation of the Halifax Fire Insurance Association; the company took the Intact name in 2009, when ING Canada became Intact Financial Corporation with all of its common shares traded on the Toronto Stock Exchange. Intact says on its corporate site, which does not date the figure, that its Canadian home, auto and business insurance is the choice of more than four million consumers. It reported $17,215 million in operating direct premiums written in Canada for 2025 and 32,000 employees worldwide; it does not publish a Canada-only headcount. Its head office is in Toronto. Intact Insurance policies are sold through independent brokers. In 2021 the group acquired RSA Insurance Group, including RSA's Canadian business.

For early cancellations Intact applies its own short rate schedule: 12% of the annual premium is retained for a cancellation in the first four days, and the retained share reaches 100% at day 354. There is no separate cancellation fee. The schedule on this page is the auto (private passenger vehicle) table; Intact home policies use a separate schedule.

How Intact calculates your cancellation fee

Intact's table opens at 12% retained and climbs roughly a point every few days, reaching 100% at day 354. Find the row matching your days in force, read the “earned” percentage, and subtract it from your annual premium. The schedule below is Intact's auto (private passenger vehicle) table; Intact home policies use a separate schedule, so a property cancellation quote will differ from the figures here.

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. At the same point the standard industry table retains 31%, a penalty of about $76 on the same premium.

How to cancel your Intact Insurance policy

Intact Insurance policies are sold through independent brokers, so the cancellation request is submitted through the broker who holds your policy; Intact can also be reached at 1-866-464-2424. Request a cancellation quote first and confirm the effective date in writing.

1Submit the request through the broker who holds your policy
2Or call Intact at 1-866-464-2424
3Have your policy number ready
4Request a cancellation quote first
5Specify your desired cancellation date

Turnaround is not guaranteed. Ask whoever processes the cancellation, Intact or the broker of record, when the refund will be issued and whether it goes back to your payment method or comes by cheque.

Intact Insurance Short Rate Schedule

Based on $1200 annual premium

Your Annual Premium ($)

Find your day

Days in Force	Earned %	Refund
1–4 days	12%	$1,056
5–8 days	13%	$1,044
9–13 days	14%	$1,032
14–17 days	15%	$1,020
18–21 days	16%	$1,008
22–25 days	17%	$996
26–29 days	18%	$984
30–33 days	19%	$972
34–37 days	20%	$960
38–41 days	21%	$948
42–45 days	22%	$936
46–49 days	23%	$924
50–53 days	24%	$912
54–57 days	25%	$900
58–61 days	26%	$888
62–65 days	27%	$876
66–69 days	28%	$864
70–73 days	29%	$852
74–77 days	30%	$840
78–81 days	31%	$828
82–85 days	32%	$816
86–89 days	33%	$804
90–93 days	34%	$792
94–97 days	35%	$780
98–101 days	36%	$768
102–105 days	37%	$756
106–109 days	38%	$744
110–113 days	39%	$732
114–117 days	40%	$720
118–121 days	41%	$708

Days in Force	Earned %	Refund
122–125 days	42%	$696
126–129 days	43%	$684
130–133 days	44%	$672
134–137 days	45%	$660
138–141 days	46%	$648
142–145 days	47%	$636
146–149 days	48%	$624
150–153 days	49%	$612
154–157 days	50%	$600
158–161 days	51%	$588
162–165 days	52%	$576
166–169 days	53%	$564
170–173 days	54%	$552
174–177 days	55%	$540
178–181 days	56%	$528
182–185 days	57%	$516
186–189 days	58%	$504
190–193 days	59%	$492
194–197 days	60%	$480
198–201 days	61%	$468
202–205 days	62%	$456
206–209 days	63%	$444
210–213 days	64%	$432
214–217 days	65%	$420
218–221 days	66%	$408
222–225 days	67%	$396
226–230 days	68%	$384
231–233 days	69%	$372
234–237 days	70%	$360
238–242 days	71%	$348

Days in Force	Earned %	Refund
243–245 days	72%	$336
246–249 days	73%	$324
250–253 days	74%	$312
254–257 days	75%	$300
258–261 days	76%	$288
262–265 days	77%	$276
266–269 days	78%	$264
270–273 days	79%	$252
274–277 days	80%	$240
278–281 days	81%	$228
282–285 days	82%	$216
286–289 days	83%	$204
290–294 days	84%	$192
295–297 days	85%	$180
298–301 days	86%	$168
302–305 days	87%	$156
306–309 days	88%	$144
310–313 days	89%	$132
314–317 days	90%	$120
318–321 days	91%	$108
322–325 days	92%	$96
326–329 days	93%	$84
330–333 days	94%	$72
334–337 days	95%	$60
338–341 days	96%	$48
342–345 days	97%	$36
346–349 days	98%	$24
350–353 days	99%	$12
354–365 days	100%	$0

How Intact compares

Retained share of the annual premium, Intact against the standard industry short rate table used by Aviva, CAA, Pembridge and others: day 30, 19% against 15%; day 90, 34% against 31%; day 180, 56% against 54%; day 300, 86% against 86%. A pro rata split retains 8.2%, 24.7%, 49.3% and 82.2% at the same points. Among the other insurers with their own schedules, TD and Desjardins each retain 36% at day 90. The day-by-day figures for every insurer are on our short rate table.

Intact also applies pro rata rather than short rate in the situations its rules define, one of which is a cancellation initiated by the insurer. Ask which basis applies to your cancellation when you request the quote, since that determines whether any short rate penalty is charged.

Before you cancel

The gap narrows over the term — the difference between Intact's schedule and pro rata is 10.8 points of the annual premium at day 30, 6.7 points at day 180 and 3.8 points at day 300.
Auto and home use different tables — the schedule on this page is the auto table; Intact home policies are cancelled on a separate schedule, and the quote you receive states the exact figure.
Multi-line discounts — a discount that depends on holding more than one Intact policy may end when one of them is cancelled; Intact can confirm the effect on the remaining policy.

Frequently Asked Questions

How much is the Intact Insurance cancellation fee?

Intact uses its own short rate table rather than a flat fee: 12% of the annual premium is retained for a cancellation on days 1 to 4, against 8% on the standard industry table. 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. The cancellation quote shows the retained premium and the refund.

How do I cancel my Intact Insurance policy?

Intact Insurance policies are sold through independent brokers, so the cancellation request is submitted through the broker who holds your policy; Intact can also be reached at 1-866-464-2424. Have your policy number ready and request a cancellation quote before confirming so the retained premium and the effective date are set out in writing.

Who owns Intact Insurance, and what does it report in premiums and customers?

Intact Financial Corporation, listed on the Toronto Stock Exchange, reported $17,215 million in operating direct premiums written in Canada for 2025 and 32,000 employees worldwide; Intact says its Canadian home, auto and business insurance is the choice of more than four million consumers. The business was founded in 1809 and took the Intact name in 2009.

How long does an Intact refund take?

It depends on how you paid: a refund worked back through a pre-authorized payment plan follows your billing schedule, while a cheque has to be issued and mailed. Intact does not publish a turnaround, so ask whoever processes the cancellation which route yours will take and when to expect it.

Sources & Verification

·Verified against Intact Insurance's Ontario auto underwriting rules in effect July 2026.
·Intact service line (1-866-464-2424) and broker channel for current cancellation procedures.
·Company facts (founding, ownership, premiums, employees, customer count) from Intact Financial Corporation’s corporate history, its 2024 Annual Information Form and its fourth-quarter 2025 results release, and from intact.ca; see docs/carrier-facts.md in the site repository for the full ledger.
·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 September 2026

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