The Personal Insurance Auto Insurance Reviews

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

I spoke to a customer service manager named Charlie, he could not tell me the exact reason why my policy increase by 444.00, even the numbers he provided did not make any sense. He said, "no one can give you an exact explanation..", there are so many factors that go into deciding a policy. No staff member could tell me or make sense of why my policy increased!

It is frustrating that I have to go somewhere else to get an affordable and a good policy, there is no loyalty. I had to reduce my policy coverage to keep my premiums affordable. Do no deal with this company, or any company that refuses to give you a break down of your policy and the differences in premiums year over year.

I had a MVA in July 2016; now 8 months later, I am still getting the roundabout and no answers except that they're still waiting for a police report. They told me processes change with the Police (they haven't, I work for the same city!!), then I was told that the July request for the report was done with another department due to "sensitivity", and was now just told that their payment for the police report requested in January wasn't received by the police and had to resend a payment at the beginning of February! I am making car payments for two vehicles but, because my car was a write off, I only have 1! Had to purchase a new vehicle to get to work at the end of September! This is an extremely unacceptable insurance company and WILL NOT be continuing with them. I have let union members know what's been happening and they have started cancelling as well.

Don't ever get your insurance with them. They will rip you off as much as they can. I changed my address and they charged me 100$ monthly, while another insurance company would charge me exactly 100$ less. Then if you try to cancel with them, they will charge you 500$, in other words, you'll be stuck with them and they will laugh at you. They are the legal robbers.

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!!!

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!

We only claimed $385 for an ambulance and then when we are about to transfer to another company we discovered in the claim description that we've claimed $3,001! That's how greedy they are! Then when I spoke to the claim agent, he yelled at me on the telephone, what horrible customer service! You need to stay away from this insurance company at all costs!

Recently, I moved to a different "zone" that was apparently at a higher risk than what they were willing to insure. I figured that was what insurance was for... but I guess not. When I attempted to make the adjustment to update my address I was contacted by a representative who explained this to me. So despite I have been paying their company for 5 years, I was informed they would no longer insure me. I was also informed I had 10 days to get insurance before they would end my coverage. I was able to get coverage through a different agency for a significant amount less than what I had been paying. It has been 2 cycles now where they have billed me despite my coverage having been cancelled... by them. I contacted them the first time to get a letter indicating their mistake in case my bank required it. They sent this to me, which shows their mistake. Now I have to phone back a second time to correct their error, despite all of this being an issue that they created. Additionally, my payments continued to increase over time, despite I haven't been in any accidents. Needless to say, not overly impressed.

We lost three vehicles due to flooding. Two were insured by The Personal, the third by another party. While the initial response was fairly good (as soon as the water dropped a local tow company came to fetch the vehicles), it's been downhill from there. The assessor took a week to see a car that had been *underwater* and decide it was a write-off but didn't assess the car that was parked up right next to it for another week because someone hadn't told him he had to both. We had full, for-new replacement insurance. It took another two weeks to get the settlement figure because they couldn't check a website to get a comparison cost correct. We finally get the settlement figure (which is the exact price on the website), and they forget to send the payment. Twice. They tell us that it's been sent to our bank as a direct deposit and will clear in three days. Only this was a lie and it was never sent to the bank. First we're told both cheques were couriered, then both mailed, then only one couriered - and that it had been signed for at "reception" so why didn't we have it (as though we'd lie about not having a cheque for $30k?) Turned out they had couriered one cheque to the wrong address, so we have to run around town trying to find who had it because they couldn't tell us. There was no "reception", it went to an old address that we had changed with them online, corrected over the phone when it didn't update, and then specified to them on three occasions was the wrong address. Luckily, we know the people who live there, and they were home for us to pick it up. They claim they mailed out the second one via Canada Post on a Sunday, but as of Friday, it's not arrived despite the mail having been delivered. They won't even confirm where they mailed it to, so that's fun. It also wasn't registered or tracked so I can't find out where it is. They lie to you constantly. They say anything to get you off the phone, with no respect to your time or the truth. Good luck if you want to speak to a manager to make a complaint about the constant lying because they will claim it takes 48 hours to reply and then never contact you. I won't shout at the call centre staff as it's really not their fault that their company is incompetent, but I've been lied by so many of them that it's hard to find anything positive to say about the experience. Actually one thing. They have agreed to pay us out, so that's nice. It would have been nicer if we had actually received the money as promised when promised. I'm starting to doubt the second cheque was ever sent in the first place. We are now without vehicles as the rental allowance has run out (technically it ends the moment you agree to accept the settlement figure, so in our case a week ago) NOT when they get around to paying you. So now we're out of pocket on top of everything else. Huh, turns out I don't have anything good to say about them after all. Avoid like the plague - we're recommending to our employers that they no longer work with this company.

Honestly. Just don't do it. The worst experience I've ever had. Sending the claim online is easy, everything else is an uphill battle that will find you hella broke from paying for everything out of pocket while waiting for this company. They ignored all attempts at contact from the auto body shop, myself, and my chiropractor. After almost a month (yes, 3+ weeks) of trying to get a hold of someone (their claim adjusters don't answer your calls and never return messages), I was told that they didn't have a record of my claim (although I received email confirmation that my claim was received and approved). When I asked for the contact information for the manager and director, they got sketchy and did not want to provide that information to me. It took another lifetime for them to send out an adjuster to the body shop and get me a rental car. I'm still waiting for a call back from the claims adjuster and management... Honestly, do NOT get insurance from this company. Just don't do it. This company doesn't even deserve 1 star. If I could give less than 1, I would.