The Personal Insurance Auto Insurance Reviews

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.

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.

The Personal insurance seemed like a fairly priced insurance company. The over the phone experience was pleasant when I bought my policy.

When I signed up the representative offered me the depreciated value insurance and wasnt too expensive and so I opted in. When I made a claim the rep was very reassuring since I was pretty shocked over the experience.

When I needed to replace the whole vehicle the company said that I was never eligible for my Depreciated Value Insurance because my vehicle was purchased as a used vehicle that had only 13000 km on it. To qualify it needs to be a brand new vehicle or it needs 12000 km on it. For the difference of 1000 km they were going to disqualify my benefit.

They offered me 16000 for the vehicle when the vehicle had 19500 left to pay for the vehicle. I had to fight not only for the money but also we had the constant fight to get ahold of eachother. After winning my arguement they honoured the Depreciated Value Insurance I purchased and gave me 19000 after deductible of 500 was paid. Which I took before they changed their minds.

After this claim I cancelled the policy but that didnt stop them for starting a new policy without my permission and charging me 400 some a month straight out of my account. I got my money back but seriously after this experience the headaches arent worth it. Im with Belair Direct and have no issues. Save yourself the trouble and pass by this insurance company.