Frequently Asked Questions

The following questions provide an overview of Intact Canada and its products. For more detailed information about our business and the Canadian property and casualty (P&C) insurance industry, please refer to our financial reports.

1. Who is Intact Financial Corporation?

We are the largest provider of P&C insurance in Canada with almost $8 billion in annual DPW and an estimated market share of 17%. We insure more than five million individuals and businesses through our insurance subsidiaries and are the largest private sector provider of P&C insurance in British Columbia, Alberta, Ontario, Québec and Nova Scotia. We distribute insurance under the Intact Insurance brand through a wide network of brokers, including our wholly owned subsidiary, BrokerLink, and directly to consumers through belairdirect.

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2. What insurance products do you offer?

Our business is organized into two product lines: personal and commercial insurance. Our personal insurance business, representing approximately 69% of our direct premiums written in 2015, consists of automobile and property insurance sold to individuals. Our commercial insurance business consists of automobile, property, liability, surety and specialty coverage sold mainly to small and medium-sized commercial clients.

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3. How do you distribute your insurance products?

We have a multi-channel distribution strategy including broker and direct-to-consumer brands. This strategy maximizes growth in the market and enables us to appeal to different customer preferences and to be more responsive to consumer trends. The broker channel represents approximately 86% of annual DPW. We have more than 2,000 broker relationships across Canada for customers that prefer the highly-personalized, community-based service that insurance brokers provide. We also distribute insurance products directly through belairdirect, which is responsible for most of the $1.1 billion in premiums written through our direct-to-consumer distribution channel in 2015.

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4. Where is Intact Financial Corporation's stock listed?

Our shares are listed on the Toronto Stock Exchange under the symbol "IFC".

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5. Are the shares of Intact Financial Corporation included in the TSX index?

Yes. Effective March 17, 2006 Intact Financial Corporation shares (formerly ING Canada Inc.) were added to the S&P/TSX Composite Index.

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6. What is the CUSIP for Intact Financial Corporation common shares?

The company CUSIP number for its common shares is 45823T106 and its ISIN is CA45823T1066.

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7. Who is Intact Financial Corporation's transfer agent?

Computershare Investor Services Inc. (Address: 100 University Avenue, 8th floor, Toronto, Ontario M5J 2Y1, Phone: 1 800 564-6253) serves as our transfer agent. Shareholders should, however, contact their broker directly if they have questions about the administration of their holdings (e.g., address changes, tax receipts).

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8. Does Intact Financial Corporation pay a dividend?

Yes, we do. We currently pay a quarterly dividend of $0.64 per share on our outstanding common shares. Record, ex-dividend and payment dates can be found under Dividends.

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9. Do you have a dividend reinvestment plan, or DRIP?

Yes, we do. Shareholders have the option of either participating through their existing broker, if eligible, or otherwise through the Co-Operative Investing Service operated by Canadian ShareOwner Investments Inc.

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10. Are dividends paid by Intact Financial Corporation considered eligible dividends for Canadian tax purposes?

Yes, all dividends (and deemed dividends) paid to Canadian residents on our common shares after December 31, 2005 are designated as eligible dividends. Unless stated otherwise, all future dividends (and deemed dividends) paid by the company are designated as eligible dividends.

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