The Personal Insurance Auto Insurance Reviews

They Sneak Back In Extra Charges!

We have our home and auto with them in Alberta, sadly they are all pond scum but the personal we have dealt with them for the past 9 years.

Every year we do a policy review and we keep removing the glass coverage as it's cheaper to buy a windshield in Alberta every year than to do a claim and have your premiums increase. So....We get a $50/person reduction.
Then the very next year, we get a price increase and guess what, they have added back the glass and another fee increase!

It's unfortunate that ALL private insurance in Canada does these low ball tactics and if you are not paying attention you will see a price increase and they will never tell you why.

What a great business model yes, raise the price, don't advise that it's happening and when you're called out on it, deny, deny, deny!

I had 3 vehicles insured with these bandits. First tip as to what they were like was when I called them, they seemed to have only voice-contact back office in India - would never confirm info by email. Second was when the company behind this brand, Desjardins, started pushing the 'get a 25% discount if we put a tracker into your car so we can spy on your ads. Turns out they just want to spy on their insureds so they will have reasons to increase premiums or deny coverage. I didn't fall for it. Next, when somebody rear-ended me, they had my bumper fixed but required me to drop off the rental car 50 miles from where the car repair facility was. Turns out I could have dropped it off at the repair facility - but they didn't tell me, so it necessitated huge inconvenience. When I picked the car up, it wasn't right but as it was 10 pm and in a scuzzy part of town, I didn't want to leave it. Not everything was fixed, and something that had been repaired by a garage just prior to dropping it off at the repair facility was broken. And a part that had been damaged in the accident had not been repaired. I telephoned the claims person and left word but they never called me back. EVER... OH YEAH, in the daylight I noticed that my car was covered in yellow crayon marks that the body shop ( one 'authorized' by Desjardins) had put on all the little paint defects, scratches, etc and marked them up - presumably photographing them for Desjardins so that if any of those parts of the car ever were involved in an accident, then Desjardins would be able to escape paying to fix these 'pre-existing' dings. SHEEESH!!! I have never dealt with any company that was so sleazy, underhanded, untrustworthy, and suspicious. When I reported the accident, they tried to get me into one of their doctors - no doubt so their paid lap dog could declare I didn't have any injuries - and really pressured me. They also did not advise me of my rights to have them pay for physio, etc. They are, in my experience, con artists who make sure they always take advantage of the un-advised and un-aware. Later they sent a letter saying they had advised me of those rights - an outright lie...BEWARE!!! WHEN you call their line, listen to their recorded message - it basically says if you stay on the call you give them permission to spy on you and post what they find on sites that other insurers can access. I find them absolutely awful, and the worst company I have ever dealt with.

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.

Horrible company and horrible customer services representative, I do not recommend insuring with this company at all, stay away from this company.

We had an agreed price for Car insurance which was taken from my bank account for three months, then the fourth month the amount doubled. I was informed they sent me something the underwriters reevaluated my account and doubled the rate which I didn't notice until they took from my bank account. The answer I received was basically "it is what it is, that is the new price".
In my business a deal is a deal I can't change it 3 months into the contract, I don't believe this is good business and I don't recommend doing business with them at all for any reason. I do not like even giving them 1 star, it would be zero stars if I could.

Giving information to the customer and getting consent for the mechanical work or medical injury work is unheard of for this company. They just do want they want to you and your car without your knowledge!
Very disappointed with this dictatorship, Third World country treatment.

Sons car was stolen and they haven't even answered to talk about his claim in over 2 weeks. Do not use them.

I’ve been with The Personal for over 10 years. Initially everything was really well and prices were unbeatable. In the last few years, prices have skyrocketed (I know this is the case for most insurance companies), however, their service has declined exponentially. I put in a claim and they took well over a month to assist me (was almost impossible to get a hold of their staff and management is nowhere to be found). I realized why they are much cheaper… They don’t actually assist their clients. They also sent me to their approved shop which tried (twice) to get me to proceed with work without being cleared by the claims advisor. Although they may be cheaper, I highly recommend staying away from this company as the process is stressful and they are not willing to assist honest people.

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.

Don't deal with The Personal Insurance unless you want to get harassed and threatened by the claims advisors. Had an accident back in February 2023 and ultimately, the insurance company deemed it has driver fault whom hit my vehicle in a roundabout. It took almost five months to get my vehicle repaired and then the harassing phone calls came at home and as well as on my cell phone. At one point the claims advisor threatened me to have me in handcuffs, charged for failing to pay "The Personal Insurance Company for an extra $400", criminal charges against me in front to the repair shop, cancel my drivers licence and repossess my vehicle until I pay the extra deductible until was paid in full amount. Glad that I cancelled my insurance with The Personal and don't deal with them anymore.