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Auto Insurance:

Intact introduced an enhanced annual kilometres discount in response to the COVID-19 pandemic. As provinces continued with phased re-openings, Intact ended this discount effective July 14, 2020, with the discount falling off 90 days after it was added. Starting on July 14, customers who received the discount will be reverted to the kilometres previously noted on their file, and their premiums will be adjusted accordingly.  Intact will mail a letter to each impacted member to inform them of the end of the enhanced discount.

Premium Reduction:
Customers whose driving situations have changed have the following options.

  1. Adjust the use of your vehicle. If you are using your vehicle less due to COVID-19, your policy can be temporarily adjusted to reflect this. Please keep in mind if you are no longer driving to work, any potential savings will be based on the length of your typical commute. If you did not use your vehicle to drive to work before COVID-19, you will not see any cost savings. Your premium will be prorated from the time you are no longer commuting to work, therefore, when you return to your regular work commute, you will need to contact us to adjust your policy and your premiums will be adjusted accordingly

  2. Park your vehicle and remove all road coverages. There are multiple options to remove road coverages from one or more of your vehicles depending on your personal circumstances. This will translate to the most savings however it will mean that you can no longer drive your car for any reason including groceries, etc. If your vehicle is leased or has a loan against it, we would require permission from the lessor or financial institution in order to delete coverages. We would be happy to discuss these options with you and what they might mean for you and your family.

It is your responsibility to update us when any change occurs. We recognize that we are all learning to adapt in these uncertain times. If you choose to amend your auto policy, it is your responsibility to contact an TW Insurance broker if and when your driving habits change. We can then work with you to ensure you have the right coverage for your needs. If your coverage does not match your driving habits, there is risk that your claim could be denied.

If you would like to amend your auto policy based on the information outlined above, please click here to fill out our
COVID-19 Policy Change Request Form.

Home Insurance:

Intact is handling coverage changes on a case-by-case basis. Please contact us if you would like to discuss your options.


Intact is offering flexible payment options and waiving NSF fees temporarily on a case by case basis. Please contact us to discuss your options. Please note that Intact and TW Insurance Brokers are not able to influence any fees incurred by your bank for NSF payments. Intact has not advised how long they will be offering payment flexibility or waived NSF fees.