The Personal Insurance Auto Insurance Reviews

I was returning a leased car after 3 years on July 25th 2016. On July 10th I emailed The Personal to let them know. They replied telling me I had to phone them with this information!!! I phoned them and was asked what I would be replacing the vehicle with. I said I didn't know yet. That was an issue. The girl told me that once they cancelled the policy all of my good driving record would be eliminated and when I wanted a policy again (even in a week or two) I would have to be insured as a new driver, losing my excellent driving record of no accidents and no tickets in over a million km. I suggested therefore they could stick there Insurance company where the sun doesn't shine. A week later I received a call from the same agent who told me they had reviewed my policy and would like to offer insurance on my replacement vehicle after all, with my good driving benefits in place. I told her I had looked at a vehicle and would advise in a week or so when I had decided to purchase. On July 19 I purchased a minivan in London and arranged to have it certified etc. and pick it up in London when I returned my Smart Car and on the 20th I called The Personal and let them have some details of my change. On the 25th after dropping off the Smart Car I picked up the minivan and called the agent with the specifics. By email I received confirmation of insurance and subsequently a policy in the mail. A month later I received another policy from The Personal for the Smart Car which I no longer had, together with a list of the payments they planned to charge my bank for this policy.
By the way, don't waste your time putting one of those Ajusto devices in your car to save on insurance. They don't work. My Smart car was garaged each winter and when I checked on line it was driving erratically all over Ontario, then when I was advised I had saved 15 or 20% for my safe driving, there were zero savings. When I asked where the savings were I was told they were absorbed into the total price and in fact every year with these 15 or 20% savings my insurance went up by 15 or 20%. Just a bunch of swindlers encouraged by our Ontario Government to cheat the taxpayers. Sadly I have absolutely nothing to say "good" about The Personal.

They gave me an accident on my report that they didn't pay out. I'm not sure why I have a negative review on my record when your findings say that the other person was trying to scam you. As well they kept sending my insurance slip to the wrong unit in my condo and my insurance ended up costing too much because the company wouldn't take those marks off my record since THEY screwed up. Somehow they had two different unit numbers, 1 for my auto and 1 for home. They then cancel it and want me to keep my home there...

Don't file a claim with them. They are good taking your money but, good luck when you have a claim.
Suresh M.... thanks for not fixing my car and giving me and my family nothing but a headache. Still stuck with a car that smells like burnt metal and plastic.
Can't wait to switch insurance company when my term expires.

I called in to open a claim but unfortunately Richa D. hang off the phone on me. For just very simple question. I will change to a company that cares for clients.

My existing insurance was coming up for renewal, so I decided to look around in hopes of finding a more cost efficient alternative. I proceeded to contact The Personal since my husband is part of a group that they honour. Anyone that has gone through this process knows how time consuming, and invasive a process it is. The whole thing took roughly two days, due to a delay on The Personal side due to my house being valued at a certain amount. Anyway, once I was finally provided a quote, I reviewed all of the details and confirmed that all of the information that I provided and that I was informed was 100% accurate. Great, I thought, it was looking like I would be saving at least $40 per month switching to The Personal. After a few days of contacting other companies for competing quotes, I decided that The Personal was the one to go with. I called in to start the policy, and within the first 15 minutes of the call, I was informed that the quote I had received was incorrect. Basically, their agent had provided incorrect, misleading information and therefore they would NOT honour their quote. I was quite upset, since I had confirmed with the agent all the details just a few days prior, and was assured that all was good. Yeah, right! What a total scam! As you can imagine, I decided I would NOT go with The Personal after all.

DO NOT GO WITH THIS INSURANCE.
This insurance company is the worst of okay ones.
A deer crossed me December 01, totaled the car. It took them over two weeks to tell me that it was a write off. Initially they only wanted to cover two weeks worth of rental but I spoke to some lady after trying to reach my agent enough times without success and it got extended by one week, I returned the car December 21ish and that's when the policy should have ended according to what they said December 1st.
Then they only offered me about 90% of the market value of the car, I wrote a proper letter with a regression line graph to show what it should be worth, still I didn't even heard if someone read it. Then someone said if I hire my own appraiser I could get a better offer, I looked into it and it wasn't worth it as the cost and risk didn't make it worthwhile, 90% only left me about $700 to pay for the appraiser, and if they said yes I would only regain some $200 after the cost of the appraiser… they play around too. So after I had enough I accepted their offer, now keep in mind during this period of time I tried reaching my agent between 5 and 10 times, only one was successful and only once he called back and i left a message every time with the proper information.
So I got a check around February the 22nd about a week after I accepted their offer.
Now more trouble with these guys as they were committing INSURANCE FRAUD, they were charging me since December 30th every month for a car that was written off, they automatically renewed my policy without asking me and to make it better they jacked it up by $20/month. I’m a pretty busy person so I was hopping they would fix it on their own but after they didn't it took me three calls. The first the agent pointed out there was some “confusion” and that I would be getting back some $3xx.xx dollars to my back account, however their charges up to that point were in excess of $500. So I called the next day and they "couldn't find" my file but I stayed on the line until they did and as turned out, they "couldn't transfer" me to their accounts department. So I called a third time directly to their accounts department. This time they said that I was supposed to call them and cancel because they had no knowledge that I had written off the car... NO KNOWLEDGE!!!
In the end they kept saying that it was my fault for not letting them know the car was written off, and that they had no knowledge in accounting. So in the end they didn't admit to insurance fraud but accepted to deposit the money in whole in two payments, this is what you should expect from these guys, they can't even give you back the money they wrongfully took from your bank account in one payment.
My new insurance offered me $20 off, these guys would have jacked it up $20 - because a deer crossed me.
You might get $5 off/month but the headache is not worth it. I can only image if I had been at fault in a collision with a car. DO NOT GO WITH THIS INSURANCE!!!

After having insurance with The Personal for more than 20 years I was involved in an accident. They could not determine who was at fault, so I was forced to take 50 percent of the blame, even though they said the other guy driving a company vehicle would never admit to wrong doing or he would loose his job. I have never had any type of claim or tickets, insurance rate has almost doubled!!! no wonder so many people drive without insurance. No on has accident forgiveness, it does not exist. I have tried to get other insurance, no chance to move once you have an accident, you are a marked target.

Unfortunately this site doesnt have an option for zero star. I have been insured with the personal since 2010, and last week was my first claim ever, someone rear ended me, although they say they have 24/7 claim service but thats bs...I called them at around 11 pm (from the OPP reporting centre) a representative answered, took my name n contact info and informed me someone will call me the next day to get all the details... I asked questions about my coverage, he replied cuz it's after hours, he didn't have access to my policy info n was unable to answer any questions...Hello so whats the point of staying open just to get down my info... Then when i spoke with the claims rep, i gave him all the info for the drivers involved etc he then told me the adjuster will call me to discuss further... I wait... Guess what?? Nobody calls me back!!! I have to call them and find out status of my claim... Then i was advised that my car was a write-off... Then the next day i call again re: status of my claim, the other person talks about repairs etc... I tell that person, please read my file, my car is write-off, why are you discussing repairs with me? I always have to call them..even when i talk to them all the reps are illiterate and ask me dumb questions, then my adjuster asked me for a police report, she confidently told me its ready and i have to pick it up from OPP, cuz if they order it, it takes them weeks... So i call OPP to find out if my report is ready, they tell me police report takes 10 business days and there is no option for us to pick it up, they would mail it which takes an additional approx. 5 days... Basically i was given fake information, as a client when we dont know about how things work we rely on our service provider and trust what they say to us... As for the past 6 yrs they have been taking money from my bank account, and now in return instead of service, i am getting nothing!!! my policy is due on June, there is no way on earth i will be renewing it with them, even if elsewhere is expensive but there is peace of mind, i definitely will choose peace over a few dollars!!!

I should have read these previous comments before I get the personal insurance. They looks pretty slow. Whoever handle my case (taria) they said on vacation I call more than two times no body get back to me. If one person or two on vacation who cares do I stop paying my payment when I go vacation. I called them again today looks like they haven't even started yet . They should not even tell me somebody on vacation coz it's not my concern . Someone should have taking care of each customer weather on vacation or ... I am worried how I proudly recommend to another person about this company

Not worth it to go through to this company even cheap payment but no peace of mind if you have claims,

I got involve in an accident, it's not our fault on the first hand, but the adjuster never to be on our side, being rude, impolite, and aggressive. Everytime i talked to him feels like he's on rush to end the conversation.Matthew S. if this is your adjuster heads up
They never call you for update, I was left hanging figuring out what is happening, I am the one who always contact for follow up

Even in car rental they will not pay they will tell the rental comp. that they will give the final date, even my car is not fix. Ending up I am gonna be charge by my own pocket!!

So sad, worst ever, I will change insurance after I get my car