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The Personal Insurance Auto Insurance Reviews

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(196 reviews)
The Personal Insurance
1.6 out of 5 stars:
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No customer loyalty

by John5 on Aug 2, 2024
3 out of 5 stars

I've been a customer for a long time now and have never made a claim on my home insurance. Given this fact, I was shocked to discover that any claim I make will result in a 15 - 20% increase in my insurance premiums. I asked them why this was and got the typical excuses, like "insurance fraud is driving prices up". Desjardins owns The Personal and posted a $855 million profit last quarter. The Personal's pricing policies are driven by nothing more than insatiable corporate greed. The rates are competitive as long as you don't make a claim. But as soon as you do, even a small claim, the premiums skyrocket.

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Won't insure my vehicle

by Ryan Lu on Jul 31, 2024
2.5 out of 5 stars

When I first got my Jeep, it was a used lifted Jeep, so I went to get a quote for this Jeep because they do things for service members but was denied. However, when I went to the parent company, they said that they would insure.

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They do not care and they show it.

by Simin Khoshand on Apr 10, 2024
1 out of 5 stars

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.

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An Increase of 50% of total insurance cost for no reason.

by A_veteran on Mar 16, 2024
2 out of 5 stars

I was paying $160 a month including the car and residential insurance, I've had no accidents, a single speeding ticket that was 2 years ago, and they increased my premium to $234. Never going to come back!

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Incompetent Customer service

by MJGK on Mar 6, 2024
2.5 out of 5 stars

They have been double dipping my payments for over a year from two different institutions. I switched banking and they kept withdrawing from old account. I am trying to send them the documentation and have requested an email address so they can see what I am talking about. Been going in circles now for 30 minutes. Oh, did I mention that I can not sign onto my online customer portal?

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Extremely bad company

by Fab on Feb 16, 2024
1 out of 5 stars

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.

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Worst possible customer support - run away from this company

by Steve Shein on Feb 13, 2024
1 out of 5 stars

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.

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Don't deal with The Personal Insurance

by Kunal Chandra on Nov 9, 2023
1.3 out of 5 stars

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.

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They are just cheaters and scammers

by Anonymous on Nov 1, 2023
1 out of 5 stars

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

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