The Personal Insurance Auto Insurance Reviews

Shady agents and/or underwriters who deny car insurance to potential customers based on document discrepancies inputted by another top tier insurance company, then discretely accuse them of falsifying documents due to inconsistency. But when asked by the customer if they could contact their previous broker to have the discrepancies rectified, they proceed to deny insurance anyways and place the blame of the customer. So much for The Personal having trust in a Veteran who is currently serving their 17th year in the CAF.

I was hit from behind on the highway while stopped, my truck is probably totaled, but I have not had any response as to what my compensation will be. The other driver that hit me took full responsibility. It has been over 100 days with no resolution in sight. The first advisor was a complete waste of oxygen, would not answer the phone or reply to emails. After 5 weeks of her stupidity with no results, I got assigned another advisor who seemed to be more responsive at first, but he too is now earning the one-star rating, giving a date for resolution and when that date comes giving another date 2 weeks out. I will be pulling all of my vehicles from The Personal once this claim is settled, assuming it is during my lifetime.

Car was hit by lightning and this company was a nightmare; in fact, worst company to ever had the unfortunate experience of dealing with. Sent adjustor out, in middle of claim was suddenly assigned another adjustor who wouldn't come out, had to chase down this company, finally could take car in, then at time to pay, the Personal said I probably did the damage myself (on my new car?!) - auto repair manager said he'd never dealt with any insurance company this bad.

They are very good at taking your money but customer service is horrible. It's been 7 weeks and we still don't have the claims cheque. There are mistakes one after the other have resulted in this ridiculous delay. When the claims department is contacted the representative says there is nothing they can do about it, like direct deposit the claim amount. Would not recommend them.

Horrible customer service, made me wait over a week after I submitted an application just to deny me for filling out the form wrong (they did not instruct me on the correct manner before or after)

Adviser Terry is a big mistake to be part of the a company that can ruin your reputation. Maybe that's why you guys have a very poor feedback rating. Terry is an unprofessional uneducated employee that I've talked to. She is a beyond unacceptable individual in the company... Good luck to you... I hope don't treat your fellow human like your slave... You can't treat people like that remember we are still human. Good luck Personal having such an unprofessional employee... What the experience with you...

Very impolite and terrible customer service. Never try Personal that is a trap. The agents are very rude and disrespectful. Giving you the wrong information for the quote and they are not responsive.

1. Applied for home and auto coverage, over the phone. The Agent used my branch's fax number, which he got on his own somewhere - not from me. as my chequing account number: Fail 1.
2. Insurance company agent after my call replaced that with my chequing account number, which I repeated and he recited perfectly: well, he sent in an imperfect number with 7 correct digits and 1 wrong one. Fail 2.
3. I was never consulted so knew none of Fail 2. In Dec., I got 7 letters in 10 days, 6 on 1 day, 4 that day had different pre-authorized payment figures for same policy; and 2 said policies were cancelled, 2 others sent within an hour of the others said cancelling was a mistake and policies were fine. 4 different authorization figures, 2 cancellations. 2 Renewals. 0 explanations. Fails 3 to 10.
4. Before a day had passed since the gaggle of mails. I called and the company said all was fine, numbers were fine, no problem - and, the corker, if more than 1 of the 4 assorted amounts were taken, I could check to see and just call back, and this would be returned at once. I called my bank and they said nothing got paid, the insurer had the wrong "transit" number. Fail 11.
5. 1 Feb., 4 months into the circus, the insurer called to inquire about Fail 11, and after 40 minutes, she tried a 3-way call, insurer, my bank, and me - which my bank says is not allowed with online banking. Now it was my job to check with my bank and then to see whether the insurer had things correct. That ate another hour. Fail 12.
6. Never did they call me back. I was back in the dark about (a) whether the insurer had the right transit and account number for CIBC, and (b) how much and how many payments had been authorized and/or sent. Fail 13.
7. So I surrendered. My bank was told the insurer had finished filing and been paid this same day. Hadn't they called me? Oh. I replied that I'd call the insurer to find out (a) and (b). My bank said that my decision should get me the answers I needed. Fail 14.
8. While on hold for many minutes, I tried to check my chequing account online to find out what of the 4 billings sent on the same day had been taken - but my online bank said they need an 8-digit account #, but my insurer only issued 7 digit account numbers. So I could not find out whether 2XX, 3XX, 19XX, or 21XX had been requested by that insurer - or all 3! - and w/o a personal call to Personal by me, the info apparently would never be known to me online, at least Fail 15.
8. 2.3 hours since my first call today, the insurer said the unaccountably brief digit count didn't count, no matter that my bank said it would not allow online registration for ANY 7 digit account numbers, least of all, I assumed, for an insurer, it had unceremoniously dropped after many buffs supporting it for CIBC customers. Fail 16.

My Resolution: I am moving home and car this month before the next Personal withdrawal date, and blasting CIBC for sending this nincompoopish company's name to me by mail, email, and investment advisor - then dropping it w/o a single word by email, mail, or call. The faulty transit number? I called Toronto and this was fixed by CIBC in, literally, 20 seconds. Getting should have never been a problem for a trained selling agent 11 weeks ago when he used a bank branch's FAX number instead of my chequing account number. 16 Fails, 11 weeks.
I am so out of here, as youngsters say.

This company is terrible. I would highly recommend you LOOK ELSEWHERE! They are completely inept and plain RUDE. While trying to get some answers about a claim filed over 6 months ago, I was put on an extraordinarily long hold, passed over to an agent who was unaware of the day of the week, put on another hold and then passed over to another agent who was eager to start that process all over again. They DO NOT respect their client's time and must be taught a lesson in business value! They also stumble over facts and misrepresent details and are very ill-informed thus wasting more time. Then, on top of all that, they hang up on me and now I am on hold for another 1.5 hours. As I said, overpriced, under-serviced with NO CLUE as to the value of customer's time! STAY AWAY!

I got a quote for my car from their website and indicated myself as a non-group general customer. On the quote clearly mentioned: " This quote doesn’t include savings you may be eligible for through your employer, professional association, union and/or credit union." Their customer service raised my quote $90 more because I was not part of any group or association and their management excuse was "on the below of the email, it mentioned the quote is not guaranteed." They are not reliable and their system is not accurate. They address their pricing on reasons are not valid and reasonable. Happy I didn't start with them. I am sure, later they will raise their price for other excises as well. Don't even try or waste your time.