The Personal Insurance Auto Insurance Reviews

I was returning a leased car after 3 years on July 25th 2016. On July 10th I emailed The Personal to let them know. They replied telling me I had to phone them with this information!!! I phoned them and was asked what I would be replacing the vehicle with. I said I didn't know yet. That was an issue. The girl told me that once they cancelled the policy all of my good driving record would be eliminated and when I wanted a policy again (even in a week or two) I would have to be insured as a new driver, losing my excellent driving record of no accidents and no tickets in over a million km. I suggested therefore they could stick there Insurance company where the sun doesn't shine. A week later I received a call from the same agent who told me they had reviewed my policy and would like to offer insurance on my replacement vehicle after all, with my good driving benefits in place. I told her I had looked at a vehicle and would advise in a week or so when I had decided to purchase. On July 19 I purchased a minivan in London and arranged to have it certified etc. and pick it up in London when I returned my Smart Car and on the 20th I called The Personal and let them have some details of my change. On the 25th after dropping off the Smart Car I picked up the minivan and called the agent with the specifics. By email I received confirmation of insurance and subsequently a policy in the mail. A month later I received another policy from The Personal for the Smart Car which I no longer had, together with a list of the payments they planned to charge my bank for this policy.
By the way, don't waste your time putting one of those Ajusto devices in your car to save on insurance. They don't work. My Smart car was garaged each winter and when I checked on line it was driving erratically all over Ontario, then when I was advised I had saved 15 or 20% for my safe driving, there were zero savings. When I asked where the savings were I was told they were absorbed into the total price and in fact every year with these 15 or 20% savings my insurance went up by 15 or 20%. Just a bunch of swindlers encouraged by our Ontario Government to cheat the taxpayers. Sadly I have absolutely nothing to say "good" about The Personal.

My existing insurance was coming up for renewal, so I decided to look around in hopes of finding a more cost efficient alternative. I proceeded to contact The Personal since my husband is part of a group that they honour. Anyone that has gone through this process knows how time consuming, and invasive a process it is. The whole thing took roughly two days, due to a delay on The Personal side due to my house being valued at a certain amount. Anyway, once I was finally provided a quote, I reviewed all of the details and confirmed that all of the information that I provided and that I was informed was 100% accurate. Great, I thought, it was looking like I would be saving at least $40 per month switching to The Personal. After a few days of contacting other companies for competing quotes, I decided that The Personal was the one to go with. I called in to start the policy, and within the first 15 minutes of the call, I was informed that the quote I had received was incorrect. Basically, their agent had provided incorrect, misleading information and therefore they would NOT honour their quote. I was quite upset, since I had confirmed with the agent all the details just a few days prior, and was assured that all was good. Yeah, right! What a total scam! As you can imagine, I decided I would NOT go with The Personal after all.

DO NOT GO WITH THIS INSURANCE.
This insurance company is the worst of okay ones.
A deer crossed me December 01, totaled the car. It took them over two weeks to tell me that it was a write off. Initially they only wanted to cover two weeks worth of rental but I spoke to some lady after trying to reach my agent enough times without success and it got extended by one week, I returned the car December 21ish and that's when the policy should have ended according to what they said December 1st.
Then they only offered me about 90% of the market value of the car, I wrote a proper letter with a regression line graph to show what it should be worth, still I didn't even heard if someone read it. Then someone said if I hire my own appraiser I could get a better offer, I looked into it and it wasn't worth it as the cost and risk didn't make it worthwhile, 90% only left me about $700 to pay for the appraiser, and if they said yes I would only regain some $200 after the cost of the appraiser… they play around too. So after I had enough I accepted their offer, now keep in mind during this period of time I tried reaching my agent between 5 and 10 times, only one was successful and only once he called back and i left a message every time with the proper information.
So I got a check around February the 22nd about a week after I accepted their offer.
Now more trouble with these guys as they were committing INSURANCE FRAUD, they were charging me since December 30th every month for a car that was written off, they automatically renewed my policy without asking me and to make it better they jacked it up by $20/month. I’m a pretty busy person so I was hopping they would fix it on their own but after they didn't it took me three calls. The first the agent pointed out there was some “confusion” and that I would be getting back some $3xx.xx dollars to my back account, however their charges up to that point were in excess of $500. So I called the next day and they "couldn't find" my file but I stayed on the line until they did and as turned out, they "couldn't transfer" me to their accounts department. So I called a third time directly to their accounts department. This time they said that I was supposed to call them and cancel because they had no knowledge that I had written off the car... NO KNOWLEDGE!!!
In the end they kept saying that it was my fault for not letting them know the car was written off, and that they had no knowledge in accounting. So in the end they didn't admit to insurance fraud but accepted to deposit the money in whole in two payments, this is what you should expect from these guys, they can't even give you back the money they wrongfully took from your bank account in one payment.
My new insurance offered me $20 off, these guys would have jacked it up $20 - because a deer crossed me.
You might get $5 off/month but the headache is not worth it. I can only image if I had been at fault in a collision with a car. DO NOT GO WITH THIS INSURANCE!!!

I had 3 vehicles insured with these bandits. First tip as to what they were like was when I called them, they seemed to have only voice-contact back office in India - would never confirm info by email. Second was when the company behind this brand, Desjardins, started pushing the 'get a 25% discount if we put a tracker into your car so we can spy on your ads. Turns out they just want to spy on their insureds so they will have reasons to increase premiums or deny coverage. I didn't fall for it. Next, when somebody rear-ended me, they had my bumper fixed but required me to drop off the rental car 50 miles from where the car repair facility was. Turns out I could have dropped it off at the repair facility - but they didn't tell me, so it necessitated huge inconvenience. When I picked the car up, it wasn't right but as it was 10 pm and in a scuzzy part of town, I didn't want to leave it. Not everything was fixed, and something that had been repaired by a garage just prior to dropping it off at the repair facility was broken. And a part that had been damaged in the accident had not been repaired. I telephoned the claims person and left word but they never called me back. EVER... OH YEAH, in the daylight I noticed that my car was covered in yellow crayon marks that the body shop ( one 'authorized' by Desjardins) had put on all the little paint defects, scratches, etc and marked them up - presumably photographing them for Desjardins so that if any of those parts of the car ever were involved in an accident, then Desjardins would be able to escape paying to fix these 'pre-existing' dings. SHEEESH!!! I have never dealt with any company that was so sleazy, underhanded, untrustworthy, and suspicious. When I reported the accident, they tried to get me into one of their doctors - no doubt so their paid lap dog could declare I didn't have any injuries - and really pressured me. They also did not advise me of my rights to have them pay for physio, etc. They are, in my experience, con artists who make sure they always take advantage of the un-advised and un-aware. Later they sent a letter saying they had advised me of those rights - an outright lie...BEWARE!!! WHEN you call their line, listen to their recorded message - it basically says if you stay on the call you give them permission to spy on you and post what they find on sites that other insurers can access. I find them absolutely awful, and the worst company I have ever dealt with.

I had a simple comprehensive claim. 8 weeks later, and the local repair shop still has not been paid for repairs made to my car. Every time I manage to speak with someone at The Personal, they have a new excuse as to why he hasn't been paid. They have made mistake after mistake and while very apologetic, they just can't get it right. You can leave message after message and no one will call you back, ever. I am pulling all my insurance from them as soon as possible. The rates are good but not worth it. What if I had a more serious claim? I can't sleep at night worrying about this now. Don't ever take insurance out with this company. Their customer service is 0 out of 5 stars and they are extremely incompetent.

Took 1 whole month to process my car accident claim. Had 2 witnesses and they called them twice in that span. Ended with 50/50 fault. Got screwed with car rental as I eventually ended up owing $1k. And the adjuster had the courage to ask why I rented a car, to which I reply "I needed a car for work!!!" They undervalue my car by at least 3k but just happy I was able to get my money for this company. Worst company ever!!! Do yourself a favour, go find another company. I wouldn't come back with this crap company even if they paid $10k+ Or whatever amount. Just plain bs. Just want people to know. Stay away!!!

I decided to sign up my motorcycle insurance with this company allthough previously I had a bad experience with them for my car insurance where they messed up my drivers license and birth date and charged me one premium and then upon renewal it went up. I thought I'd give them a second chance however this was a MISTAKE!!

Any way getting back to this story I bought my bike in may of 2015 and decided to insure it with the personal being the best rate I could find. after the riding season was done (oct 2015) I sold my bike and wanted to cancel my insurance however they told me there would be no cancellation fee. However when I went to cancel they told me that I have to pay $500. I asked for what they told me its to pay off portion of the premium due to seasonal.

I WILL NEVER BE INSURING WITH THIS COMPANY EVER AGAIN DO NOT INSURE WITH THEM THEY ARE A SCAM.

High insurance rates - I save 100+$ a month with TD on a 300$ policy

they charge me for a month of insurance after I cancel. A month of insurance I've already paid another insurer.

Do not give them your banking information, they will take the $$ out before the date they say

Our car was hit in our condo parking lot while it was parked. The offenders had personal. Their inability to return phone calls and relay information back to the victims caused massive delays in repairs, and we wound up getting charged insurance for the rental vehicle while ours was being repaired. Now in the process of disputing that charge, but not holding out much hope. Avoid at all costs!