The Personal Insurance Auto Insurance Reviews

The most horrible experience when I tried to cancel my policy. Highly disappointed. Agents don't know how that cancellation fee is being calculated. Spent 2 hours with 5 different agents and no one had any idea why $120 is being charged. Next day an agent called me and did some math which made absolutely no logic. No respect for the customer, no explanation. I was with this insurance company for 2.5 yrs but this doesn't matter to them at all. Other Insurance company provided a better policy at a much cheaper rate and no charges on cancellation if I stay with them for 1 month. (With Personal I was for 2.5 yrs...)

No first accident forgiveness, very impersonal when dealing with claims. They send a lot of automated and confusing emails. My deductible was $250.00, when I went to pay it, the actual charge was $562.00 and their customer service had no idea why and the customer service couldn't tell me how much my rate would go up by when my renewal came up since I had an accident.

Difficult to deal with
Auto claim from Oct 2017 still not resolved.
I was rear-ended while sitting at a light. Minor damage but they say it is a write-off and want to pay squat. I'm willing to take what they offer and pay the balance to repair it as my vehicle is in A1 shape. No no no, it is a Mexican standoff and now my claims advisor email is no longer valid.
Vehicle sitting not repaired for over 3 months and still paying premiums for nothing.
Cheap rates, just don't ever make a claim

I recently went through a claim experience with The Personal. It was terrible -- frustrating, disappointing, aggravating, time-consuming. None of the claims adjustors could answer my questions, such as who was at fault (I know I wasn't at fault, but TP got it wrong, like everything else they do) and how long I would be covered for a rental car. (I had to get this info from the car rental agency. The Personal only covers $500 for a rental, no matter how long it will take to fix your car, which in my case was a little over a month. TP also doesn't cover collision coverage on a rental car -- the customer has to pay for that.) Not once in four weeks was I able to reach my assigned adjustor by phone -- I kept getting her answering machine. None of my calls were returned. Customer service is non-existent with this company. Even three weeks after the accident (I was hit head-on by a woman who cut a corner) no one at TP had gotten in contact with the other driver's insurance company!

The Personal doesn't let you choose which body shop to use to repair your car. They choose, and they choose the cheapest shop available. (The body shop kept my car outdoors for a month in winter. They didn't even clean off the two feet of snow that collected on it; I had to do that myself.)

I must admit I chose TP auto insurance because it gave me the lowest price quote. Well, this is one of those instances where you get what you pay for. I have since cancelled my policy with them and went with a more reputable company. Any money I did save up front with TP all went out the window as a result of paying for a rental car for three weeks and a large deductible. Judging by the number of negative reviews, atrocious customer service is the norm rather than the exception with this company.

I am adding my observations of The Personal Insurance company for benefits to others. My vehicle was hit early morning and Police woke up us. The vehicle was hit from the back left side and it hit the back of a vehicle parked in front of it. My vehicle bounced back and its front right wheel was on the curb. The impact was very severe. The insurance company took the vehicle and told me that they will get the vehicle repaired. They provided me with a rental vehicle. They told that the vehicle will be fixed within three weeks. It took two months to get the repair done. The cost of repair was more than I bought the vehicle. They handed over the vehicle and after driving within shop parking lot we noticed that the front LCD panel was dark and back camera was not showing up. Asked manager about this. He told he did not touch it. He told he got a check from the dealer and we went there. They found wiring is damaged and that burnt the camera. After that we noticed the right side wheel was making noise, Parking Assistance light is flickering, right passenger door malfunctioning, front side bodywork was poor and some sections were left loose. We started complaining through email and leaving telephone messages for the claim agent but he did not reply until after 19days when they arranged the third party for inspection. They fixed some and the insurance representatives pretended these are wear&tear. My vehicle was fine, nothing was wrong before the accident. Now I have spent around $2000. That is white elephant now for me. I want to let you know never get repairs through insurance dealer. I asked dealer why you handed over safety risk vehicle to me and why you ignored these obvious signs you did observe which we are showing you. He says your insurance did not show the actual picture of this vehicle, so he did not check the complete vehicle. Insurance just told them to check apparent damage and hand over the vehicle. The insurance instead of protecting your rights just drains the money for others.

I was hit by a person who was drunk, unlicensed and left the scene of the accident, this person was insured was The Personal. They gave me a terrible unfair settlement for my vehicle that was deemed a total loss. They refused to give me the rental car I was entitled too, they never emailed me the documents they were supposed too, I had to continually call them and fight with them. The customer service was absolutely horrible. This is an awful company and I hope they go under.

They Sneak Back In Extra Charges!

We have our home and auto with them in Alberta, sadly they are all pond scum but the personal we have dealt with them for the past 9 years.

Every year we do a policy review and we keep removing the glass coverage as it's cheaper to buy a windshield in Alberta every year than to do a claim and have your premiums increase. So....We get a $50/person reduction.
Then the very next year, we get a price increase and guess what, they have added back the glass and another fee increase!

It's unfortunate that ALL private insurance in Canada does these low ball tactics and if you are not paying attention you will see a price increase and they will never tell you why.

What a great business model yes, raise the price, don't advise that it's happening and when you're called out on it, deny, deny, deny!

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.

We had an agreed price for Car insurance which was taken from my bank account for three months, then the fourth month the amount doubled. I was informed they sent me something the underwriters reevaluated my account and doubled the rate which I didn't notice until they took from my bank account. The answer I received was basically "it is what it is, that is the new price".
In my business a deal is a deal I can't change it 3 months into the contract, I don't believe this is good business and I don't recommend doing business with them at all for any reason. I do not like even giving them 1 star, it would be zero stars if I could.