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The Personal Insurance Auto Insurance Reviews

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(190 reviews)
The Personal Insurance
1.6 out of 5 stars:
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Insurance cost and service

by Kaizaki on Apr 18, 2021
1 out of 5 stars

Raised my house insurance without any notification, and car insurance jumped $200 from a single car. Agent telling us this lied about our total cost, which was actually only our car insurance. Would not recommend!

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Review topics

Hit and Run Claim

by Dave on Feb 28, 2020
5 out of 5 stars

I left my old insurance company in December 2019 for home and auto. Saved 30% combined on both insurance coverages. The old company tries to match and said I was a valued customer (30 years) but couldn't match. Great customer service to set up an account. I had a hit and run claim from a parking lot scrub on bumper 2 months after setting up a new account. Easy to contact the claims department and courteous and they sent out an adjuster to my home! I told them the body shop I wanted to use that I liked from past experience and they set it up and I got a cheque in the mail to pay the repair costs. I pay the deductible. They also called and walked me through how to set up my on-line account! So far service has been grand.

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Poor service

by Awful on Dec 10, 2019
1 out of 5 stars

I have been with them for years for home and auto, always paid in full and no claims. I called for a quote to add another driver/vehicle. I was on/off hold for more than an hour and finally bluntly told my policy would be cancelled because the driver I was getting the quote on had a previous cancellation for non-payment with another company. I was stunned. What started out as me looking for a simple quote ended in someone with no empathetically telling me my policy was going to be cancelled because of something someone else did. Asked for a manager, was put on hold for another 20 minutes and told no one available. I refused to hang up without speaking to a manager and finally got someone who apologized and offered a solution. However, by then I was enraged. I promptly phoned Allstate and moved my home and auto AND saved $500. Good riddance!

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Did you know that on average Ontario drivers with good driving records pay $1,805/year in auto insurance? Is your insurance rate higher? Get a free car insurance quote and start saving today.

Claims are a problem

by drave on Sep 11, 2019
1 out of 5 stars

Never had a claim of any kind. I was hit in a parking lot and put in a minor claim for $3000. The claims advisor with Desjardins assigned to my claim has never responded to any of my email inquiries or voice mails. WATCH OUT on Rental Car Coverage with this company. I have $1500 of coverage and my policy states "In return for the premium charged, we will reimburse you for the reasonable expenses of renting a similar substitute automobile." They will only authorize a regular rental car, not a luxury class car if that's what you drive. In my case, I am issuing a formal complaint regarding this. I need a rental car for 10 days. A luxury rental would cost $57/day for a total of $570 vs $40/day that they are authorizing. They simply will not honour their own policy wording and provide a "similar substitute" vehicle. They will lose 2 auto policies and one home policy over a difference of $170. Claim cheque issued was for the incorrect amount. They are claiming due to some kind of transposing error on entering the appraiser's estimate into their system(s). Terrible experience with this company when it counts - on a claim. Would NOT recommend them to anyone.

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TERRIBLE service stay away!!!

by C on Feb 4, 2019
1 out of 5 stars

TERRIBLE customer service and prices. Stay away!!! Tried to switch my home insurance over as I was paying significantly more than other companies were offering, plus had lower coverage with The Personal. Was told that I can’t switch 'cause they changed companies and if I did, my auto insurance would significantly go up. Absolutely terrible experience with this company. Nothing the person on the phone was telling me was making any sense as compared to letters I had gotten in the main etc. from this company.

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Premium jump for no reason

by Schmoze on Sep 6, 2018
2 out of 5 stars

I've had my cars (truck and wife's car), a motorcycle, and my home with them for the past 6 years. Every year you kind of expect a small increase, and they were never more than 1%. However, this year on the renewal, it jumped 11%. No claims and no change to driving records. I ditched for Johnson's insurance. Auto was the same but house ins. was $400 cheaper with better flood coverage even.

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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.

Horrible service recently

by Unhappy customer on Aug 5, 2018
1 out of 5 stars

I have been insured with the Personal for about 20 years. I was always extremely happy with their service until recently and have had 2 bad experiences just in the past year that have made me seriously think of looking elsewhere. First, my husband was considering purchasing a new vehicle and cost was a real issue. We contacted the Personal and were quite happy with the amount they quoted us and this was literally the deciding factor in purchasing the car. Fast forward 4 months to our policy renewal and the premium has increased by $100 a month with no changes in the policy. The second issue is with our homeowner's policy. We had damage to our roof after a windstorm in May. Their contractor took almost 3 weeks to tarp our roof after not showing up twice when they were supposed to. It was like pulling teeth to get a copy of their quote for the damage and the copy I was sent from the Personal is more than $400 less than the quote I was given by their contractor. The claims adjuster paid out the claim at an even lower amount and when questioned, he says that their “review” team must have determined that some of the repairs are not required but cannot give me details. It is now August and still have a tarp on the roof and repeated emails and voice messages to the claims adjuster, over the past 4 weeks have had no response. Not impressed to say the least!

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Auto claim nightmare fraud

by AlyssaDawn on Dec 18, 2016
2 out of 5 stars

Please do not get insured with this company. They have horrible customer service. They say they will call you back in 20 mins it's been a week. I called back and they said again I'll call you back in 15 minutes. Well I again waited 1 week called back again and was hung up on. Then they sent me to a insurance adjuster the office was full of children's bikes and junk. I have photos. They are rude and do not stand by their word.

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Fast and costumer oriented

by Demermf on Jul 5, 2014
5 out of 5 stars

In 2012 we had 1 stolen vehicle and 1 house fire with la personnelle. Total claims : 50000$
They resolved the claim fast and we had the value we deserved without having to fight for the money.
The inspector was here the next day of the call.
I would highly recommand la personnelle

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