The Personal Insurance Auto Insurance Reviews

I have been with The Personal since 2008, (for my 2001 used Cav I was paying $190) I had purchased a new vehicle in 2014 and because I was financing I needed full coverage and replacement coverage. I was paying $200 a month. I thought that was pretty standard, however over this year my insurance went up to $224, which I didn't think anything of because it just came out, but I had to call them in regards to them lowering my insurance. They told me they could go as low as $210 if I got rid of the replacement coverage, so I asked why I got a quote online they were saying much less (I know it is just a quote, however, they were quoting $117 with no discounts). I have never had a claim or accident since I got my licence in 2008, nor have I had any tickets in the last 5 years to warrant my increase in the insurance. The woman on the phone was very rude as I tried to have her explain to me why she can't lower my insurance rate, even with lower coverage. She told me $210 is as low as it'll get for my insurance and good luck finding somewhere else that is lower, and that it wouldn't be smart to cancel. I cancelled my insurance policy with her right then, effective March 1st and she tells me on top of the cancellation charge I will have to pay for March... um, no, I do not. I understand that $210 might be low for some people but I am now with a company who gives me the coverage I need for $90 a month. I would have responded better had the woman on the phone tried to help me and offer me a reason for my payments being so high and why they had increased my payments over the last year for no reason, and if she was willing to work with me for a policy that fit my budget or at least tried to offer me some help. Overall so rude and unhelpful, especially as I have never had to make a claim for anything since I've been with them, you would think having a clean driving record since 2008 when I was 16 my payments could be lowered, and if I was missing something in regards to my driving record, I would have appreciated a reason as to why they couldn't lower it.

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...)

My car insurance premium has increased by 20% for year 2018 for royal customer like me, 8 years with them. I had a not-at-fault accident 5 years ago. I was told by someone in the Personal that it was not my fault and no big increase in premium. Since then, my premium has increased around 4% every year, which I considered was a reasonable increase. When I called them to discontinue my insurance, I was told that they put me at fault for the accident and threatened me that other insurance company will ask for high premium.

My daughter blacked out at the wheel of her vehicle and deemed her car to be written off. This happened 2 weeks ago and the claim is still not settled. The personal adjuster her car taken to an auction without notifying her so she could remove her license plate. We have been told after asking several times about the plate it was sent 2 weeks ago and it has not arrived yet and the vehicle has been sold. This company is not efficient when keeping you up to date on the claim and now the claim is switching hands to another person because the person working on it is changing departments. My daughter is waiting for results from doctors appointments and further testing to determine the cause of her losing consciousness at the wheel. I am sure once this is finally settled, whenever that may happen. She will be switching insurance companies.

The Personal Insurance pushes the mobile app to 'reduce' your monthly rates. They don't tell you that it's punitive. I am over 50, perfect driving record with daily commute of 4 km. I get a notification email that changes were made to my policy. Yep, my insurance went up $56 for no reason. No tickets to justify, I could have been a passenger in another car. I tried to contest it, and they did not want to hear it. I cancelled my 24 yr relationship with this company and at no point did they try to keep my business.

I had very bad experience with The Personal. I was on emergency medical trip and they requested some documents which I was not able to respond to in limited timeframe. They terminated my insurance and they just did it through letter which I received upon my arrival back to Toronto. They somehow assured me that new application would work and I provided all documents on the same day. The underwriting team cancelled citing the purchase is more than 60 days which didn’t and failed to provide insurance and kept me waiting this long. Pathetic company, it’s my first car and had bad experience with them

After moving under a kilometre away my rate went up. By 70$ a month. When I called them the very short-tempered person who answered the phone informed me that I was being charged extra for having a ticket that I was told and confirmed previously that it would not increase my insurance rate. Previous to this whole experience my wife tried to cancel insurance on a car that we no longer owned and they would not accept this cancellation for over 2 months.